Individual User Agreement

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If you're using the Operator as an individual — including buying, selling, or trading crypto for yourself — the Individual User Agreement applies. If you are an authorized representative of a company which is using the Operator for commercial, business purposes your activities are subject to our the Operator Business User Agreement. Still unsure? Read our quick guide to help you determine which agreement fits your situation. Regardless of which agreement applies to you, you are bound to an arbitration agreement, jury trial waiver, and class action waiver. Please review the terms carefully and contact Platform Support if you have questions.

Individual User Agreement

Last updated: June 29, 2026

Welcome to the Operator! This is a User Agreement between you (also referred to herein as “User,” or “customer”) and the Operator ("the Operator," “we,” “us,” and “our”). This User Agreement ("Agreement" or “User Agreement”) governs your use of the services provided by the Operator described below and such other services that may be offered by the Operator from time to time ("Platform Services" or "Services"). By signing up to use a the Operator account or service through the Operator.com, the Operator’s APIs, the the Operator mobile application, or any other the Operator website (collectively the "Platform Site"), or by obtaining, holding or using a wrapped token or a the Operator Custom Stablecoin issued by the Operator, you agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement including our Privacy Policy, Cookie Policy, Prohibited Use Policy and E-Sign Disclosure and Consent Policy in Appendix 2. You may have to agree to additional terms and conditions to use certain Additional Services (as defined below).

Important Definitions: As used throughout this Agreement, the following terms have the following meanings.

“Digital Asset” means any digital asset (including a virtual currency or virtual commodity) which is a digital representation of value based on (or built on top of) a cryptographic protocol of a computer network.

"Supported Digital Asset" means only those particular Digital Assets listed as available to trade or custody in your Digital Asset Wallet (as defined below). Services and supported assets may vary by jurisdiction.

Amendment of these Terms: We may amend or modify this Agreement at any time by posting the revised agreement on the Platform Site and/or providing a copy to you (a “Revised Agreement”). The Revised Agreement shall be effective as of the time it is posted but will not apply retroactively. Your continued use of the Services after the posting of a Revised Agreement constitutes your acceptance of such Revised Agreement. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services and close your account (as defined below).

Dispute Resolution: PLEASE BE AWARE THAT SECTION 7 (CUSTOMER FEEDBACK, QUERIES, COMPLAINTS, AND DISPUTE RESOLUTION) AND APPENDIX 5 OF THIS AGREEMENT,CONTAIN PROVISIONS GOVERNING HOW TO RESOLVE DISPUTES BETWEEN YOU AND the Operator. AMONG OTHER THINGS, APPENDIX 5 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION. APPENDIX 5 ALSO CONTAINS A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ SECTION 7 AND APPENDIX 5 CAREFULLY.

No Investment Advice or Brokerage: For the avoidance of doubt, the Operator does not provide investment, tax, or legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your personal investment objectives, financial circumstances and risk tolerance. the Operator may provide educational information about Supported Digital Assets, as well as Digital Assets not supported by the Operator, in order to assist users in learning more about such Digital Assets. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided on the Platform Site or any such third-party sites does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and you should not treat any of the website's content as such. the Operator does not recommend that any Digital Asset should be bought, earned, sold, or held by you. the Operator will not be held responsible for the decisions you make to buy, sell, or hold Digital Assets based on the information provided by the Operator.

the Operator does not broker trades on your behalf unless otherwise specified on a specific product. All the Operator trades are executed automatically, based on the parameters of your order instructions and in accordance with posted trade execution procedures.

Acknowledgement of Risk: As with any asset, the value of Digital Assets can increase or decrease and there can be a substantial risk that you lose money buying, selling, holding, or investing in Digital Assets. You should consult your financial advisor, legal or tax professional regarding your specific situation and financial condition and carefully consider whether trading or holding Digital Assets is suitable for you.

the Operator is not registered with the U.S. Securities and Exchange Commission and does not offer securities services in the United States or to U.S. persons. You acknowledge that Digital Assets are not subject to protections or insurance provided by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation.

1. Account Setup
1.1. Eligibility. To be eligible to use the Platform Services, you must be at least 18 years old, and reside in the United States. There are certain features which may or may not be available to you depending on your location and other criteria.

1.2. Registration of Platform Account. You must register for a the Operator account to use the Platform Services (a "Platform Account" or “your account”). You will need to complete certain verification procedures before you are permitted to use the Platform Services. By registering or using a Platform Account you agree and represent that you have created your Platform Account and you will use your Platform Account only for yourself, and not on behalf of any third party, unless you have obtained prior written approval from the Operator. You are fully responsible for all activity that occurs under your Platform Account. We may, in our sole discretion, refuse to open a Platform Account, suspend or terminate any Platform Account, suspend or terminate the sending of Digital Assets from your account, or suspend or terminate the trading of Digital Assets in your account. Please see Section 6 below for more information.

1.3. Consent to Access, Processing and Storage of Your Personal Data &Identity Verification. During registration for your Platform Account, or at any other time deemed necessary by the Operator, you agree to provide us with the information we request for the purposes of identity verification, providing Platform Services to you, and the detection of money laundering, terrorist financing, fraud, or any other financial crimes and permit us to keep a record of such information. The information we request may include certain personal information, including, but not limited to, your name, address, telephone number, e-mail address, date of birth, taxpayer identification number, government identification, and information regarding your bank account (such as the name of the bank, the account type, routing number, and account number) and in some cases (where permitted by law), special categories of personal data, such as your biometric information. You consent to us accessing, processing and retaining any personal information you provide to us for the purpose of us providing Platform Services to you. This consent is not related to, and does not affect, any rights or obligations we or you have in accordance with data protection laws, privacy laws and regulations. You can withdraw your consent at any time by closing your account with us. However, we may retain and continue to process your personal information if we reasonably believe it is necessary in order to comply with laws or regulations. In providing us with this or any other information that may be required, you confirm that the information is accurate and authentic. You agree to keep us updated if any of the information you provide changes. You authorize us to make inquiries, 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 inquiries. When we carry out these inquiries, 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 inquiries in full. This is an identity check only and should have no adverse effect on your credit rating. 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. Further, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to the Operator or its service provider for as long as you have a Platform Account, solely to help them identify you or your wireless device and to prevent fraud. See our Privacy Policy and Cookie Policy for more information on how we process your personal data and the rights you have in respect of this.

1.4. Access. The Platform Services can be accessed directly using the Platform Site. Access to Platform Services may become degraded or unavailable during times of significant volatility or volume. This could result in significant support response time delays. Although we strive to provide you with excellent service, we do not represent that the Platform Site or other Platform Services will be available without interruption and we do not guarantee that any order will be executed, accepted, recorded, or remain open. the Operator shall not be liable for any losses resulting from or arising out of delays in processing transactions, inability to execute transactions, or lack of timely response from Platform customer support. For example, if you are locked out of your Platform Account, it is possible that the value or price of the Digital Assets in your account might go down before your access is restored. the Operator shall not be liable for any alleged losses that you suffer from a drop in Digital Asset values or prices.

2. Hosted Wallet and Custodial Services
2.1. Hosted Wallet Services. As part of your Platform Account, the Operator will provide qualifying users: (i) hosted Digital Asset wallet(s), each of which is an account for holding Supported Digital Assets (“Digital Asset Wallet”), and (ii) a hosted US Dollars ("USD") wallet, which is an account for holding USD (a “USD Wallet“). You may also elect to use other products and services, such as the simulated vault feature (“the simulated vault feature”), or the simulated wallet feature (an unhosted wallet service); additional rules associated with such product(s) and services(s) may apply. Unless otherwise noted, all references to Digital Asset Wallet include the simulated vault feature.

2.2. Hosted Digital Asset Wallet. Your Digital Asset Wallet allows you to store, track, transfer, and manage your balances of Supported Digital Assets.We securely store Digital Asset private keys, which are used to process transactions, in a combination of online and offline storage. As a result of our security protocols, it may be necessary for us to retrieve private keys or related information from offline storage in order to facilitate Digital Asset Transfers (as defined below) in accordance with your instructions, and you acknowledge that this may delay the initiation or crediting of such Digital Asset Transfers.

2.3. Supported Digital Assets. Your Digital Asset Wallet is intended solely for proper use of Supported Digital Assets as designated on the Platform Site. Under no circumstances should you attempt to use your Digital Asset Wallet to store, send, request, or receive any assets other than Supported Digital Assets. the Operator assumes no responsibility in connection with any attempt to use your Digital Asset Wallet with Digital Assets that we do not support. You acknowledge and agree that the Operator is not liable for any unsupported Digital Asset that is sent to a wallet associated with your Platform Account. the Operator may in its sole discretion terminate support for any particular Digital Asset. If you do not sell or send such Digital Asset off platform before the Operator terminates its support for such Digital Asset, then the Operator may, in its discretion, remove such Digital Asset from your Digital Asset Wallet and credit your Digital Asset Wallet or USD Wallet the equivalent market value of a Supported Digital Asset or fiat currency minus transaction costs. If you have any questions about our current list of Supported Digital Assets, please visit [applicable information page] Operator.com.

2.4. Supplemental Protocols Excluded. Unless otherwise specifically announced on the Platform Site or as set forth in this Agreement, Supported Digital Assets excludes all other protocols and/or functionality which supplement or interact with the Supported Digital Asset. This exclusion includes but is not limited to: metacoins, colored coins, side chains, or other derivative, enhanced, or forked protocols, tokens, or coins or other functionality, such as staking, protocol governance, and/or any smart contract functionality, which may supplement or interact with a Supported Digital Asset. Do not use your Platform Account to attempt to receive, request, send, store, or engage in any other type of transaction or functionality involving any such protocol as the Platform Site is not configured to detect, secure, or process these transactions and functionality. Any attempted transactions in such items will result in loss of the item. You acknowledge and agree that other than as set forth in this Agreement supplemental protocols are excluded from Supported Digital Assets and that the Operator has no liability for any losses related to supplemental protocols.

2.5. Fungibility of Certain Digital Assets. You acknowledge and agree that the Operator may hold Supported Digital Assets in your Digital Asset Wallets in a variety of different ways, including across multiple blockchain protocols, such as layer two networks, alternative layer one networks, or side chains. In connection with its holding of Supported Digital Assets in your Digital Asset Wallets, the Operator may transfer such Digital Assets off of the primary blockchain protocol and hold such Digital Assets on shared blockchain addresses, controlled by the Operator, on alternative blockchain protocols in forms compatible with such protocols. You agree that all forms of the same Digital Asset that are held and made available across multiple blockchain protocols may be treated as fungible and the equivalent of each other, without regard to (a) whether any form of such Digital Asset is wrapped or (b) the blockchain protocol on which any form of such Digital Asset is stored.

2.6. Operation of Digital Asset Protocols. the Operator does not own or control the underlying software protocols which govern the operation of Digital Assets. Generally, the underlying protocols are open source, and anyone can use, copy, modify, and distribute them. We assume no responsibility for the operation of the underlying protocols and do not guarantee the functionality or security of network operations. In particular, the underlying protocols may be subject to sudden changes in operating rules (including “forks”). Any such operating changes may materially affect the availability, value, functionality, and/or the name of the Digital Assets in your Digital Asset Wallet or other wallet. the Operator does not control the timing and features of these operating changes. It is your responsibility to make yourself aware of upcoming operating changes and you must carefully consider publicly available information and information that may be provided by the Operator in determining whether to continue to use a Platform Account for the affected Digital Asset. In the event of any such operational change, the Operator reserves the right to take such steps as may be necessary to protect the security and safety of assets held on the Platform Site, including without limitation, temporarily suspending operations for the involved Digital Asset(s); the Operator will endeavor to provide you notice of its response to any material operating change; however, such changes are outside of the Operator’s control and may occur without notice to the Operator. the Operator’s response to any operating change is subject to its sole discretion and may include deciding not to support any new Digital Asset, fork, or other actions. You acknowledge and accept the risks of operating changes to Digital Asset protocols and agree that the Operator is not responsible for such operating changes and not liable for any loss of value you may experience as a result of such changes in operating rules. You acknowledge and accept that the Operator has sole discretion to determine its response to any operating change and that we have no responsibility to assist you with unsupported currencies or protocols. You further acknowledge and accept that the Operator has no responsibility to support new Digital Asset forks or operating changes for Digital Assets.

2.7. Digital Asset Custody and Title. All Supported Digital Assets held in your Digital Asset Wallet are custodial assets held by the Operator for your benefit, as described in further detail below.

2.7.1. Ownership. Title to Supported Digital Assets shall at all times remain with you and shall not transfer to the Operator. Notwithstanding the foregoing, title to Supported Digital Assets may be transferred to a third party pursuant to the Secured USDC terms of the simulated card feature in Appendix 4. All interests in Digital Assets we hold for Digital Asset Wallets are held for customers, are not property of the Operator, and are not subject to claims of the Operator’s creditors. As owner of the Supported Digital Assets in your Digital Asset Wallet, you shall bear all risk of loss of such Supported Digital Assets. the Operator shall have no liability for Supported Digital Asset fluctuations or loss. None of the Supported Digital Assets in your Digital Asset Wallet are the property of, or shall or may be loaned to, the Operator; the Operator does not represent or treat assets in User’s Digital Assets as belonging to the Operator. the Operator may not grant a security interest in the Supported Digital Assets held in your Digital Asset Wallet. the Operator will not sell, transfer, loan, hypothecate, or otherwise alienate Supported Digital Assets in your Digital Asset Wallet, except: (i) as required by law, including in response to an order or claim of garnishment, levy, lien, or security interests; (ii) as instructed by you (and, when so instructed by you, only where permitted by law); or (iii) if applicable, Secured USDC (defined below), pursuant to the terms of the simulated card feature Cardholder Agreement (defined below) in Appendix 4. You consent to all such permitted transfers.

2.7.2 Application of the Uniform Commercial Code. All Supported Digital Assets credited to the Digital Asset Wallet will be treated as “financial assets” under Division 8 of the California Uniform Commercial Code (“Division 8”). the Operator is a “securities intermediary” as used in Division 8 with respect to Supported Digital Assets, and your Digital Asset Wallet is a “securities account” as used in Division 8. As stated in Division 8, “the characterization of a person, business, or transaction for purposes of this division does not determine the characterization of the person, business, or transaction for purposes of any other law, regulation, or rule,” including the United States Commodity Exchange Act and any federal, state, or foreign securities law or regulation. the Operator will comply with your instructions with respect to your Supported Digital Assets, subject to the terms of this User Agreement (including the simulated card feature section of Appendix 4).

2.7.3. Control and Customer Instructions. You control the Digital Assets held in your Digital Asset Wallet. At any time, subject to outages, downtime, protocol requirements, time to conduct blockchain operations to fulfill your request, restrictions on Secured USDC, and other applicable agreements or policies, you may withdraw your Supported Digital Assets by instructing the Operator to debit the applicable Supported Digital Asset from your Digital Asset Wallet and transfer the Digital Assets to a different blockchain address. As long as you continue to hold Supported Digital Assets with the Operator, the Operator shall retain control over electronic private keys associated with blockchain addresses operated by the Operator, including the blockchain addresses used to hold the Supported Digital Assets credited to your Digital Asset Wallet. To the extent you designate any USDC in your Digital Asset Wallet as Secured USDC, you agree that you will be restricted from any withdrawals or transfers of such Secured USDC and that, pursuant to the related the simulated card feature Cardholder Agreement, the Operator may comply solely with the instructions and the entitlement orders of the party designated as the secured party for such Secured USDC without further consent from you, without any regard to any inconsistent or conflicting instructions or entitlement orders given to the Operator by you.

2.7.4. Omnibus Accounts. In order to more securely and effectively custody assets, the Operator may use shared blockchain addresses, controlled by the Operator, to hold Supported Digital Assets for Digital Asset Wallets on behalf of customers and/or held on behalf of the Operator. Although we maintain separate ledgers for users’ Platform Accounts and the Operator accounts held by the Operator for its own benefit, the Operator shall have no obligation to create a segregated blockchain address for your Supported Digital Assets.

2.7.5. Governance and Voting. For certain Digital Assets, the underlying protocols offer stakers the ability to vote on matters related to the governance of protocol-level issues. the Operator may or may not support voting for such assets, and may cease supporting voting at any time in its discretion. the Operator will comply with your instruction to vote your Supported Digital Assets to the extent the Operator or its affiliate supports voting for such Supported Digital Assets. In certain cases, the Operator may vote on your behalf where the Operator or the applicable protocol does not support delegated voting; in those instances, the Operator will vote with the protocol’s recommendation.

2.8. USD Wallet. Your USD Wallet allows you to hold and transfer USD with your Platform Account as described in Section 3 below. To the extent your USD is held as cash, the balance of your USD Wallet is maintained in pooled custodial accounts at one or more financial institutions insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Share Insurance Fund (“NCUSIF”). the Operator may also place your funds in liquid investments, which may include but are not limited to U.S. treasuries or U.S. government money market funds, in accordance with state money transmitter laws. Your funds may be held in any one of these manners. Our custodial cash accounts have been established in a manner to make available pass-through FDIC or NCUSIF insurance available up to the per-depositor coverage limit then in place (currently $250,000 per individual). Availability of pass-through insurance is contingent upon factors including the Operator having correct information about you as a customer and maintaining accurate records, and on the determination by the relevant federal regulator as receiver, at the time of a receivership of a bank or credit union holding a custodial account. The current list of the insured depository institutions at which the Operator may deposit customer funds is located here. the Operator is not an FDIC-insured bank or NCUSIF-insured credit union. the Operator owns the interest or other earnings on these investments. the Operator will not use customer funds for its operating expenses or any other corporate purposes. You agree that the Operator, acting in good faith and in the regular course of business, is the custodian of depository records for your cash held at financial institutions.

2.9. the simulated vault feature. You may elect to hold Supported Digital Assets in the simulated vault feature. the simulated vault feature allows you to create conditions around transfer of your Supported Digital Assets, which may include adding third-parties to approve withdrawals (“Approvers”). For the avoidance of doubt, title to Supported Digital Assets in the simulated vault feature shall at all times remain with you, and Approvers shall have no ownership interest in such Supported Digital Assets.

2.10. USDC Wallets. You may elect to buy USD Coin (“USDC”) from the Operator, a Digital Asset issued by the relevant token issuer (“the relevant token issuer”) and supported by the Operator. You are the owner of the balance of your USDC Wallet. the Operator is not the issuer of USDC, does not hold reserves for USDC, and has no obligation to repurchase your USDC for USD. You can redeem your USDC with the relevant token issuer, and the Operator may also elect to repurchase your USDC in exchange for USD. You agree to be bound by the terms of the the relevant token issuer USDC User Agreement (located at [applicable information page] relevant token issuer.com/legal/usdc-terms), which provides additional obligations, undertakings, and limitations with respect to USDC.

3. Payment Services, Purchase & Sale Transactions, and Credit Transactions
3.1. USD Funds. You can load funds into your USD Wallet from a valid bank account via ACH transfer or wire transfer. Your USD balance is in a pending state and will not be credited to your USD Wallet until after the bank transfer has cleared, usually within five (5) business days. We may debit your linked bank account as soon as you initiate payment. The name on your linked bank account and your wire transfer must match the name verified on your Platform Account.

3.2. Transactions on the Platform Site. When you buy or sell Supported Digital Assets on the Platform Site (which, for clarity, does not include transactions with Third Party Services (as defined below)), you are not buying Supported Digital Assets from the Operator or selling Supported Digital Assets to the Operator. the Operator acts as the agent, transacting on your behalf, to facilitate that purchase or sale between you and other Platform customers. You can purchase Supported Digital Assets on the Platform Site using: (i) funds in your USD Wallet; (ii) Supported Digital Assets held in certain Digital Asset Wallets, as permitted by the Operator; (iii) a valid bank account in the name that matches the name on your Platform Account; (iv) a debit or credit card that matches the name on your Platform Account; (v) a supported third-party payment method; (vi) a supported third-party payment method; (vii) a supported third-party payment method; or (viii) a the Operator gift card (each a "Valid Payment Method"). Your purchase must follow the relevant instructions on the Platform Site. the Operator reserves the right to cancel any transaction not confirmed by you within five (5) seconds after the Operator quotes a transaction price. A purchase of Supported Digital Assets using a Valid Payment Method generally will initiate on the business day we receive your instructions. Purchased Supported Digital Assets will usually be deposited in your Digital Asset Wallet instantly and can be exchanged for other Digital Assets. You will be able to sell or send Purchased Digital Assets as soon as funds have settled to the Operator, which in the case of a bank account or credit or debit card usually takes up to five (5) business days. You can sell Supported Digital Assets and instruct the Operator to deposit funds into your USD Wallet or, where supported, a Digital Asset Wallet. Supported Digital Asset purchases and sales on the Platform Site are collectively referred to herein as “Digital Asset Transactions”. If the Operator cannot complete your Digital Asset Transaction for any reason (such as price movement, market latency, inability to find a counterparty for your transaction, or order size), the Operator will reject the order and notify you of such rejection. You will not be charged for a rejected transaction.

3.3. Fees. In general, the Operator makes money when you purchase or sell Supported Digital Assets on the Platform Site. A description of the way fees are calculated can be found on our Pricing and Fees Disclosures Page. By using Platform Services you agree to pay all fees and, if applicable based on the service, a spread. While the Operator reserves the right to adjust its pricing and fees and any applicable waivers at any time, we may provide at least 30 days’ prior notice of certain changes to our pricing schedule, or terms, conditions and policies to users in some states where required by applicable law. We will also notify you of the final price of each transaction, inclusive of pricing and fees, when you authorize the transaction and in each receipt we issue to you. We may charge network fees (miner fees) to process a Digital Asset Transaction on your behalf. We will calculate the network fee at our discretion, and notify you of the network fee at or before the time you authorize the Digital Asset Transaction. Bank fees charged to the Operator are netted out of transfers to or from the Operator. You are responsible for paying any additional fees charged by your financial service provider. We will not process a transfer if associated bank fees exceed the value of the transfer. You may be required to deposit additional USD to cover bank fees if you desire to complete such a transfer.

3.4. Recurring Digital Asset Transactions. If you initiate recurring Digital Asset Transactions, you authorize us to initiate recurring electronic payments in accordance with your selected Digital Asset Transaction and any corresponding payment accounts, such as recurring automated clearing house (ACH) debit or credit entries from or to your linked bank account. This authorization will remain in full force and effect until you change your recurring transaction settings at [applicable information page] Operator.com/transactions or otherwise on the Platform Site. Your recurring transactions will occur in periodic installments, based on your period selection (e.g., daily, weekly, monthly), until either you or the Operator cancels the recurring order. Recurring transactions scheduled for the 29th, 30th, or 31st day of a month will be processed the earlier of the date scheduled or on the last day of the applicable month. For example, recurring transactions scheduled for the 31st will be processed on the 30th in April, June, September, and November. Your recurring transaction will be executed within the 24-hour day on the transaction date. Transaction times may vary. If you select a linked bank account as your payment method for a recurring transaction, and such transaction falls on a weekend or holiday, or after bank business hours, the ACH credit or debit will be executed on the next business day, although the Digital Asset fees at the time of the regularly-scheduled transaction will apply. If your Bank is unable to process any electronic ACH debit entry, we will notify you of cancellation of the transaction and may use the remedies set forth in this User Agreement to recover any amount owed to the Operator. You agree to notify the Operator of any changes in your linked bank account information prior to a recurring transaction. the Operator may, at any time, suspend or delay recurring transactions without notice or terminate recurring transactions by providing notice to you.

3.5. Revocation. When you give us instructions to purchase Supported Digital Assets, you cannot withdraw your consent to that purchase unless the purchase is not scheduled to occur until a future date e.g. you set up a recurring purchase of Supported Digital Assets (a "Future Transaction"). In the case of a Future Transaction, you may withdraw your consent up until the end of the business day before the date that the Future Transaction is scheduled to take place. To withdraw your consent to a Future Transaction, you must follow the instructions on the Platform Site.

3.6. Unauthorized and Incorrect Transactions. When a Digital Asset Transaction or USD transaction occurs using your credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible via our help page at [applicable information page] Operator.com or by phone at (888) 908-7930 (international call charges may apply). It is important that you regularly check your USD Wallet, Digital Asset Wallet, and any other wallets accessible through the Platform Site and your transaction history to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Reporting an unauthorized transaction does not guarantee the Operator will be able to reverse the transaction or reimburse you for the transaction.

3.7. Account Information. You will be able to see your USD Wallet and Digital Asset Wallet balances using the Platform Site. You can also see your transaction history using the Platform Site, including (i) the amount (and currency) of each Digital Asset Transaction; (ii) a reference to the identity of the payer and/or payee (as appropriate); (iii) any fees charged (excluding any spread, or margin, over the prevailing market rate on the Operator’s trading platform); (iv) if applicable, the rate of exchange, and the amount (in the new currency) after exchange (where you are the payer) or the amount (in the original currency) before the exchange (where you are the payee); and (v) the date of each Digital Asset Transaction.

3.8. Reversals & Cancellations. You cannot cancel, reverse, or change any transaction marked as complete or pending. If your payment is not successful, if your payment method has insufficient funds, or if you reverse a payment made from funds in your bank account, you authorize the Operator, in its sole discretion, either to cancel the transaction or to debit your other payment methods, including your USD Wallet or Digital Asset Wallet balances or other linked accounts, in any amount necessary to complete the transaction. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, non-sufficient funds (NSF), or similar fees charged by your payment provider. We reserve the right to refuse to process, or to cancel, correct, clawback, or reverse, any Digital Asset Transaction or Transfers in our sole discretion, even after funds have been debited from your account(s), in response to a subpoena, court order, or other government order; or if we suspect the transaction may: involve money laundering, terrorist financing, fraud, or any other type of financial crime; be erroneous; or relate to a Prohibited Use or a Prohibited Business as set forth in the Prohibited Use Policy. In such instances, the Operator will reverse the transaction and we are under no obligation to reinstate a purchase or sale order at the same price or on the same terms as the canceled transaction.

3.9. Payment Services Partners. the Operator may use a third party payment processor to process any US Dollar payment between you and the Operator, including but not limited to payments in relation to your use of the Digital Asset Transactions or deposits or withdrawals from your USD Wallet or Platform Account.

4. Digital Asset Transfers
4.1. In General. Your Digital Asset Wallet enables you to send Supported Digital Assets to, and request, receive, and store Supported Digital Assets from, third parties by giving instructions through the Platform Site. Your transfer of Supported Digital Assets between your other Digital Asset wallets (including wallets off the Platform Site) and to and from third parties is a “Digital Asset Transfer”. We recommend customers send a small amount of Supported Digital Assets as a test before sending a significant amount of Supported Digital Assets.

4.2. Pending Transactions. Once a Digital Asset Transfer is submitted to a Digital Asset network, the transaction will be unconfirmed and remain in a pending state for a period of time sufficient to allow confirmation of the transaction by the Digital Asset network. A Digital Asset Transfer is not complete while it is in a pending state. Pending Digital Asset Transfers that are initiated from a Platform Account will reflect a pending transaction status and are not available to you for use on the Platform Site or otherwise while the transaction is pending.

4.3. Inbound Digital Asset Transfers. When you or a third party sends Digital Assets to a simulated wallet feature from an external wallet not hosted on the Operator (“Inbound Transfers”), the person initiating the transaction is solely responsible for executing the transaction properly, which includes ensuring that the Digital Asset being sent is a Supported Digital Asset that conforms to the particular wallet address to which funds are directed, including any required Destination Tag/Memo. By initiating an Inbound Transfer, you attest that you are transacting in a Supported Digital Asset that conforms to the particular wallet address to which funds are directed. For example:

If you select an Ethereum wallet address to receive funds, you attest that you are initiating an Inbound Transfer of Ethereum alone, and not any other Digital Asset such as Bitcoin or Ethereum Classic.

If you select a Bitcoin wallet address to receive funds, you attest that you are initiating an Inbound Transfer of Bitcoin alone, and not any other Digital Asset such as Bitcoin Cash or Ethereum.

the Operator incurs no obligation whatsoever with regard to unsupported Digital Assets sent to a Platform Account or with regard to Supported Digital Assets sent to an incompatible Digital Asset wallet address. If you send unsupported Digital Assets to a Platform Account or Supported Digital Assets to an incompatible Digital Asset wallet address, then you will lose those Digital Assets. For some lost Digital Assets, the Operator may in its sole discretion offer you the option to attempt a recovery. We may charge fees to process the recovery attempt on your behalf. We will calculate all fees at our discretion, and notify you of the applicable fees at or before the time you authorize the recovery attempt. For more information, see our Pricing and Fees Disclosures Page. The actual amount recovered may differ from the estimated recovery amount. the Operator does not evaluate the authenticity, safety, or security of unsupported Digital Assets. You acknowledge and agree that the Operator is not liable for any loss incurred during the recovery attempt or subsequent use of the recovered Digital Asset.

the Operator may from time to time determine types of Digital Assets that will be supported or cease to be supported. You acknowledge and agree that you may be required to pay network or miner’s fees in order for an Inbound Transfer transaction to be successful. Insufficient network fees may cause an Inbound Transfer to remain in a pending state on a decentralized network outside of the Operator’s control, and we are not responsible for delays or loss incurred as a result of an error in the initiation of the transaction and cannot reverse such transactions.

4.4. Outbound Digital Asset Transfers. When you send Supported Digital Assets from your Platform Account to an external wallet (“Outbound Transfers”), such transfers are executed at your instruction by the Operator. You should verify all transaction information prior to submitting instructions to us. the Operator shall bear no liability or responsibility in the event you enter an incorrect blockchain destination address, incorrect Destination Tag/Memo, or if you send your Supported Digital Assets to an incompatible wallet. We do not guarantee the identity or value received by a recipient of an Outbound Transfer. Digital Asset Transfers cannot be reversed once they have been broadcast to the relevant Digital Asset network, although they may be in a pending state, and designated accordingly, while the transaction is processed by network operators. the Operator does not control the Digital Asset network and makes no guarantees that a Digital Asset Transfer will be confirmed by the network. We may cancel or refuse to process any pending Outbound Digital Asset Transfers as required by law or any court or other authority to which the Operator is subject in any jurisdiction. Additionally, we may require you to wait some amount of time after completion of a transaction before permitting you to use further Platform Services and/or before permitting you to engage in transactions beyond certain volume limits.

4.5. Transfers to a Recipient Email Address. the Operator allows you to initiate a Digital Asset Transfer to a Platform customer by designating that customer’s email address. If you initiate a Digital Asset Transfer to an email address, and the recipient does not have an existing Platform Account, we will invite the recipient to open a Platform Account. If the recipient does not open a Platform Account within thirty (30) days, we will return the relevant Supported Digital Asset to your Digital Asset Wallet.

4.6. Debts. In the event that there are outstanding amounts owed to us hereunder, including in your Platform Account, the Operator reserves the right to debit your Platform Account accordingly and/or to withhold amounts from funds you may transfer between your Platform Accounts.

Any Secured USDC will not be debited by the Operator for any amount you owe to the Operator, although such Secured USDC may be transferred to a third party as further explained in the simulated card feature section of Appendix 4. However, the Operator may debit such Secured USDC in the event it is no longer designated as “secured” subject to the terms of the applicable the simulated card feature Cardholder Agreement.


5. Data Protection and Security
5.1. Personal Data. You acknowledge that we may process personal data in relation to you (if you are an individual), and personal data that you have provided or in the future provide to us in relation to your employees and other associated individuals, in connection with this Agreement, or the Platform Services. Accordingly, you represent and warrant that: (i) your disclosure to us of any personal data relating to individuals other than yourself was or will be made in accordance with all applicable data protection and data privacy laws, and such data are accurate, up to date and relevant when disclosed; (ii) before providing any such personal data to us, you have read and understood our Privacy Policy, and, in the case of personal data relating to an individual other than yourself, have (or will at the time of disclosure have) provided a copy of that Privacy Policy (as amended from time to time), to that individual; and (iii) if from time to time we provide you with a replacement version of the Privacy Policy, you will promptly read that notice and provide a copy to any individual whose personal data you have provided to us.

5.2. Security Breach. If you suspect that your Platform Account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and/or the Operator (collectively a "Security Breach"), you must notify Platform Support immediately at [applicable information page] Operator.com or (888) 908-7930 and provide accurate and up to date information throughout the duration of the Security Breach. You must take any steps that we reasonably require to reduce or manage any Security Breach. Prompt reporting of a Security Breach does not guarantee that the Operator will reimburse you for any losses suffered or be liable to you for any losses suffered as a result of the Security Breach.

5.3. Computer Viruses. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code 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 and should use care in reviewing messages purporting to originate from the Operator. Always log into your Platform Account(s) through the Platform Site to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.

6. General Obligations, Taxes, Designating a Fiduciary and Termination
6.1. Limited License. All content included in or made available through the Platform Services, Platform Site or any related content, materials and information such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software (collectively, the “Content”) is the property of the Operator or its affiliates or its content providers and protected by United States and international copyright laws. We grant you a limited, nonexclusive, nontransferable license, subject to the terms of this Agreement, to access and use the Platform Services, Platform Site, and Content solely for purposes approved by the Operator from time to time. Any other use of the Platform Services, Platform Site or Content is expressly prohibited and all other right, title, and interest in the Platform Services, Platform Site or Content is exclusively the property of the Operator and its licensors. You agree you will not copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the Content, in whole or in part without the prior written consent of the Operator.All platform names, graphics, logos, and service identifiers are protected materials and may not be copied or used without permission.

6.2. Website Accuracy. Although we intend to provide accurate and timely information on the Platform Site, the Platform Site (including, without limitation, the Content) may not always be entirely accurate, complete or current and may also include technical inaccuracies or typographical errors. In an effort to continue to provide you with as complete and accurate information as possible, information may be changed or updated from time to time without notice, including without limitation information regarding our policies, products and services. Accordingly, you should verify all information before relying on it, and all decisions based on information contained on the Platform Site are your sole responsibility and we shall have no liability for such decisions. Information provided by third parties, including historical price and supply data for Digital Assets, is for informational purposes only and the Operator makes no representations or warranties to its accuracy. Links to third-party materials (including without limitation websites) may be provided as a convenience but are not controlled by us. You acknowledge and agree that we are not responsible for any aspect of the information, content, or services contained in any third-party materials or on any third-party sites accessible or linked to the Platform Site.

6.3. Third-Party Applications. If, to the extent permitted by the Operator from time to time, you grant express permission to a third party to access or connect to your Platform Account(s), either through the third party's product or service or through the Platform Site, you acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under this Agreement. You are fully responsible for all acts or omissions of any third party with access to your Platform Account(s). Further, you acknowledge and agree that you will not hold the Operator responsible for, and will indemnify the Operator from, any liability arising out of or related to any act or omission of any third party with access to your Platform Account(s). You may change or remove permissions granted by you to third parties with respect to your Platform Account(s) at any time through the tabs on the Account Settings page on the Platform Site.

6.4. Your Content. Some Platform Services let you share your own content (for example text, images, video, graphics, audio or other materials, “Your Content”). Before sharing Your Content through the Services, you promise and attest that you own and control all of the intellectual property rights to Your Content (or that you have the necessary license rights to the content) and that Your Content is lawful. We reserve the right to remove Your Content at our discretion, without notice and without liability. You agree that all of Your Content posted on our Services must comply with all policies applicable to your use of Platform Services, features or products, including our Content Policy. If Your Content violates our policies, we may remove it without notice. When you share Your Content on our Services, you may be asked to make disclosures, or label or categorize Your Content; failing to do so accurately may result in Your Content being removed. We also reserve the right to label or categorize Your Content and allow other users to label or categorize Your Content. How Your Content is labeled or categorized may affect how it is displayed by our Services.

6.4.1. License to use Your Content. When you share Your Content through the Services, you retain your intellectual property rights in Your Content and you provide us with the following license to use Your Content: by using our Services you grant us a worldwide, non-exclusive, royalty-free, sublicensable, perpetual, and transferable license to host, publish, display, perform, reproduce, copy, distribute, communicate, modify, reformat, translate, or otherwise use Your Content (including your text, images, video, graphics, audio, files, communications, and any other content you provide) to operate, improve, develop, and promote our Services. If you see content on the simulated content feature that you believe violates your intellectual property rights, you agree to submit a notice of claimed intellectual property infringement using the procedures described on our Content Removals page. We comply with the Digital Millennium Copyright Act ("DMCA") and we will respond to a properly submitted notification of claimed copyright infringement in accordance with our DMCA procedures. Note that repeat infringers may have their Platform Account disabled.

6.5. Transaction Limits. The use of all Platform Services may be subject to a limit on the amount of volume, stated in U.S. Dollar terms, you may transact or transfer in a given period (e.g., daily). To view your limits, login to your Platform Account(s) and visit [applicable information page] Operator.com/settings/account-levels. Your transaction limits may vary depending on your payment method, verification steps you have completed, and other factors. If you wish to raise your limits beyond the posted amounts, you may submit a request at [applicable information page] Operator.com. the Operator reserves the right to change applicable limits, and to refuse to raise your limits, as we deem necessary in our sole discretion.

6.6. Unclaimed Property. If the Operator is holding funds (whether fiat currency or Supported Digital Assets) in your account, and has no record of you accessing the Services for several years, applicable law may require the Operator to deliver any such funds (or their USD equivalent) to the applicable state or jurisdiction as unclaimed property.

6.7. Password Security; Contact Information. You are responsible for creating a strong password and maintaining security and control of any and all electronic devices, IDs, email addresses, passwords, hints, personal identification numbers (PINs), API keys or any other codes that you use to access the Platform Services. In addition, you may choose to nominate two or more trusted contacts (“Trusted Contacts”) to verify your identity when you take certain actions on your account, such as account recovery. You are responsible for ensuring that any Trusted Contacts you appoint are individuals that you know personally and trust, that you are able to contact them if and when you need to take certain actions, and that you keep your designated Trusted Contacts up to date. Any loss or compromise of the foregoing information, your personal information, and/or actions taken by your Trusted Contacts may result in unauthorized access to your Platform Account by third-parties and the loss or theft of any Digital Assets and/or funds held in your Platform Account and any associated accounts, including your linked bank account(s) and credit card(s). You are responsible for keeping your email address and telephone number up to date in your Account Profile in order to receive any notices or alerts that we may send you. You should never allow remote access or share your computer and/or computer screen with someone else when you are logged on to your Platform Account. the Operator will never under any circumstances ask you or your Trusted Contacts for your passwords, 2-factor authentication codes, or to screen share or otherwise seek to access your computer or account. the Operator is not liable for any loss that you may sustain due to the compromise of your account login credentials (including passwordless credentials such as Passkeys and any other means of authentication) or resulting from your use of the Trusted Contacts feature. the Operator is also not liable for your failure to follow or act on any notices or alerts that we may send to you. In the event you believe your Platform Account information has been compromised, contact Platform Support immediately at [applicable information page] Operator.com or (888) 908-7930.

6.8. Taxes. The tax treatment of Digital Asset transactions is uncertain, and it is your responsibility to determine what taxes, if any, arise from transactions using Platform Services under this Agreement. Users are solely responsible for reporting and paying any applicable taxes arising from transactions using Platform Services, and acknowledge that the Operator does not provide investment, legal, or tax advice governing these transactions. You understand that the Operator shall report information with respect to your transactions, payments, transfers, or distributions made by or to you with respect to your activities using Platform Services to a tax or governmental authority to the extent such reporting is required by applicable law. the Operator also shall withhold taxes applicable to your transactions or to payments or distributions made or deemed made to you to the extent such withholding is required by applicable law. From time to time, the Operator shall ask you for tax documentation or certification of your taxpayer status as required by applicable law, and any failure by you to comply with this request in the time frame identified may result in withholding and/or remission of taxes to a tax authority as required by applicable law. You should conduct your own due diligence and consult your own tax advisors before making any decisions with respect to Digital Asset transactions.

6.9. Designating a Fiduciary. For security reasons, if we receive legal documentation confirming your death or other information leading us to believe you have died, we will freeze your Platform Account and during this time, no transactions may be completed until: (i) your designated fiduciary has opened a new Platform Account, as further described below, and the entirety of your Platform Account has been transferred to such new account; or (ii) we have received proof in a form satisfactory to us that you have not died. If we have reason to believe you may have died but we do not have proof of your death in a form satisfactory to us, you authorize us to make inquiries, whether directly or through third parties, that we consider necessary to ascertain whether you have died. Upon receipt by us of proof satisfactory to us that you have died, your designated fiduciary will be required to open a new Platform Account in order to gain access to the contents of your Platform Account. If you have not designated a fiduciary, then we reserve the right to (i) treat as your fiduciary any person entitled to inherit your Platform Account, as determined by us upon receipt and review of the documentation we, in our sole discretion, deem necessary or appropriate, including (but not limited to) a will, a living trust or a small estate affidavit; or (ii) require an order designating a fiduciary from a court having competent jurisdiction over your estate. In the event we determine, in our sole discretion, that there is uncertainty regarding the validity of the fiduciary designation, we reserve the right to require an order resolving such issue from a court of competent jurisdiction before taking any action relating to your Platform Account.

6.10. Suspension, Termination, and Cancellation. the Operator may suspend, restrict, or terminate your access to any or all of the Platform Services, and/or deactivate or cancel your Platform Account(s), with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you. You acknowledge that the Operator's decision to take certain actions, including limiting access to, suspending, or closing your account for any reason in our sole discretion, may be based on confidential criteria that are essential to the Operator's risk management and security protocols. You agree that the Operator is under no obligation to disclose the details of its risk management and security procedures to you.You will be permitted to transfer Supported Digital Assets or funds associated with your hosted Digital Asset Wallet(s) and/or your USD Wallet(s) for ninety (90) days after Account deactivation or cancellation unless such transfer is otherwise prohibited (i) under applicable law, including but not limited to applicable sanctions programs; or (ii) by a facially valid subpoena or court order. You may close your Platform Account(s) at any time by visiting [applicable information page] Operator.com/profile/close. You will not be charged for closing your Platform Account(s), although you will be required to pay any outstanding amounts owed to the Operator. You authorize us to cancel or suspend any pending transactions at the time of account closure. the Operator may discontinue or change any product, service, or feature, in its sole discretion, at any time. You agree that we may transfer you to a product or service that is reasonably similar to the discontinued or changed product or service, to the extent such product or service exists. We will provide you with prior notice of material changes, discontinuation, or the transfer related to a product, service, or feature, to the extent required or applicable.

6.11. Export Controls and Sanctions. Your use of the Platform Services and the Site is subject to applicable law including but not limited to export restrictions, end-user restrictions, antiterrorism laws, and economic sanctions. By sending, receiving, buying, selling, trading, or storing Digital Assets through the Site or Platform Services, you agree that you will comply with all applicable laws. You are not permitted to acquire Digital Assets or use any of the Platform Services through the Site if doing so would violate applicable laws and regulations, including but not limited to those of the United Nations Security Council, the United States (including prohibiting dealings with sanctioned persons identified by the U.S. Department of the Treasury’s Office of Foreign Assets Control Specially Designated Nationals and Blocked Persons (“SDN”), or other U.S. non-SDN restricted or prohibited parties lists, and those prohibiting dealings with persons organized, resident, or located in comprehensively sanctioned jurisdictions), and/or any other applicable federal, state, municipal or local laws and regulations (each as amended from time to time).

6.12 Consent to Receive Text Messages. By opting in to receive text messages from the Operator, you verify that the mobile number provided to the Operator is true and accurate and that you are the current subscriber or owner of any telephone number that you provide. By voluntarily providing your telephone number(s) and opting in to receiving text messages from the Operator, you expressly agree to receive recurring automated text messages (such as SMS, MMS, or successor protocols or technologies) from the Operator and understand that consent is not required to make any purchase. Message and data rates may apply and the frequency of messages varies. Your consent to receive automated texts is completely voluntary. You may opt-out at any time by replying STOP or receive support by replying HELP to any mobile message from us. the Operator, carriers and other service providers which support the Operator in delivering text messages are not responsible for any delayed or undelivered text messages. You acknowledge and agree to accept a final text message confirming your opt-out. We may use different numbers for different messaging purposes, so texting STOP to one number will not effectuate a stop request for all text messaging programs to which you are subscribed. If you would like to stop messages from multiple numbers, text STOP to each number to which you would like to unsubscribe. You agree to indemnify, defend, and hold harmless the Operator for any claims, losses, liability, costs and expenses (including reasonable attorneys’ fees) arising from any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or any state law equivalents, including claims relating to your voluntary provision of a telephone number that is not owned by you. You can contact us via our help page at [applicable information page] Operator.com or by phone at (888) 908-7930 (international call charges may apply). Opt-in consent for text messages is not shared with any third party, except telecommunication technology providers (e.g. aggregators and providers of text message services) as defined in our Privacy Policy.

7. Customer Feedback, Queries, Complaints, and Dispute Resolution
7.1. Contact the Operator. If you have feedback, or general questions, contact us via our Customer Support webpage at [applicable information page] Operator.com. the Operator requires that all legal documents (including civil subpoenas, complaints, and small claims) be served on our registered agent for service of process. Current contact information for our registered agent in each state can be found here.Please note that our registered agent will accept service only if the entity identified as the recipient of the document identically matches the name of the entity registered with the Secretary of State and for which our registered agent is authorized to accept service (the Operator). By accepting service of a legal document, the Operator does not waive any objections we may have and may raise in response to such document.

7.2. Formal Complaint Process. If you have a complaint with the Operator, you agree to first contact the Operator through our support team to attempt to resolve any such dispute amicably. If we cannot resolve the dispute through Platform Support, you agree to use the Formal Complaint Process set forth below before filing any arbitration claim or small claims action as described further in Appendix 5 below. You must complete the Formal Complaint Process before filing any arbitration or small claims action. If you do not complete it, then you agree that your claim or action must be dismissed from arbitration or small claims court.

7.2.1. Procedural Steps. In the event that the dispute is not resolved through your contact with Platform Support, you agree to use our complaint form to describe your dispute, how you would like us to resolve the complaint, and any other relevant information. The complaint form can be found here or can be requested from the Operator Customer Support. If you prefer to send a written complaint via mail, please include as much information as possible in describing your complaint and how you would like us to resolve the complaint, including your support case number and any other relevant information to the Operator, 228 Park Ave S #23008, New York, NY, 10003. We will acknowledge receipt of your complaint form after you submit it. A Platform customer relations agent will review and evaluate your complaint based on the information you have provided and information in the possession of the Operator. The Formal Complaint Process is completed when the Operator responds to your complaint or forty-five (45) business days after the date we receive your complaint, whichever occurs first.

7.3. Arbitration. You agree to be bound by the Arbitration Agreement in Appendix 5 to this Agreement.

8. Liabilities & Indemnification
8.1. Release of the Operator; Indemnification. If you have a dispute with one or more users of the Platform Services, you release the Operator, its affiliates and service providers, and each of their respective officers, directors, agents, joint venturers, employees and representatives from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. You agree to indemnify and hold the Operator, its affiliates and service providers, and each of its or their respective officers, directors, agents, joint venturers, employees and representatives, harmless from any claim or demand (including attorneys' fees and any fines, fees or penalties imposed by any regulatory authority) arising out of or related to your breach of this Agreement or your violation of any law, rule or regulation, or the rights of any third party.

8.2. Limitation of Liability; No Warranty. IN NO EVENT SHALL the Operator, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES OR REPRESENTATIVES, BE LIABLE (I) FOR ANY AMOUNT GREATER THAN THE VALUE OF THE SUPPORTED DIGITAL ASSETS ASSOCIATED WITH YOUR DIGITAL ASSET WALLET AT THE TIME OF THE EVENT OR CIRCUMSTANCE GIVING RISE TO YOUR CLAIM OR (II) FOR ANY LOST PROFITS, LOSS OF GOODWILL OR REPUTATION, LOSS OF DATA, DIMINUTION IN VALUE OR BUSINESS OPPORTUNITY, ANY LOSS, DAMAGE, CORRUPTION OR BREACH OF DATA OR ANY OTHER INTANGIBLE PROPERTY OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH ANY USE OF THE the Operator SITE OR THE the Operator SERVICES, OR THIS AGREEMENT, EVEN IF the Operator HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING THE FAILURE OF ANY AGREED OR OTHER REMEDY OF ITS ESSENTIAL PURPOSE, EXCEPT TO THE EXTENT OF A FINAL JUDICIAL DETERMINATION THAT SUCH DAMAGES WERE A RESULT OF the Operator’s GROSS NEGLIGENCE, FRAUD, WILLFUL MISCONDUCT OR INTENTIONAL VIOLATION OF LAW. THIS MEANS, BY WAY OF EXAMPLE ONLY (AND WITHOUT LIMITING THE SCOPE OF THE PRECEDING SENTENCE), THAT IF YOU CLAIM THAT the Operator FAILED TO PROCESS A BUY OR SELL TRANSACTION PROPERLY, YOUR DAMAGES ARE LIMITED TO NO MORE THAN THE LESSER OF THE VALUE OF THE SUPPORTED DIGITAL ASSETS AT ISSUE IN THE TRANSACTION OR THE TOTAL VALUE OF THE SUPPORTED DIGITAL ASSETS ASSOCIATED WITH YOUR DIGITAL ASSET WALLET, AND THAT YOU MAY NOT RECOVER FOR LOST PROFITS, LOST BUSINESS OPPORTUNITIES, DIMINUTION IN VALUE OR OTHER TYPES OF SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES ​OR ANY DAMAGES ARISING OUT OF OR RELATING TO DIGITAL ASSETS THAT ARE NOT SUPPORTED DIGITAL ASSETS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

THE the Operator SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, the Operator SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. the Operator DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT ACCESS TO THE the Operator SITE, ANY PART OF THE the Operator SERVICES, OR ANY OF THE MATERIALS CONTAINED THEREIN, WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR ERROR-FREE. the Operator DOES NOT GUARANTEE THAT ANY ORDER WILL BE EXECUTED, ACCEPTED, RECORDED OR REMAIN OPEN. EXCEPT FOR THE EXPRESS STATEMENTS SET FORTH IN THIS AGREEMENT, YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU HAVE NOT RELIED UPON ANY OTHER STATEMENT OR UNDERSTANDING, WHETHER WRITTEN OR ORAL, WITH RESPECT TO YOUR USE AND ACCESS OF THE the Operator SERVICES AND the Operator SITE. WITHOUT LIMITING THE FOREGOING, YOU HEREBY UNDERSTAND AND AGREE THAT the Operator WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES ARISING OUT OF OR RELATING TO: (I) ANY INACCURACY, DEFECT OR OMISSION OF DIGITAL ASSET PRICE DATA, OR ANY ERROR, DELAY OR INTERRUPTION IN THE TRANSMISSION OF SUCH DATA; (II) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING OUR WEBSITES, SOFTWARE, SYSTEMS OPERATED BY US OR ON OUR BEHALF OR ANY OF THE the Operator SERVICES OR ANY WEBSITE OR SERVICE LINKED TO OUR WEBSITE; (III) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY KIND IN OUR WEBSITES, SOFTWARE, SYSTEMS OPERATED BY US OR ON OUR BEHALF OR ANY OF THE the Operator SERVICES; OR (IV) A SUSPENSION OR OTHER ACTION TAKEN WITH RESPECT TO YOUR the Operator ACCOUNT.

the Operator will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and check issuances are processed in a timely manner but the Operator makes no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control.

IF YOU ARE A NEW JERSEY RESIDENT, the provisions of this Section 8.2 are intended to apply only to the extent permitted under New Jersey law.​​

The foregoing limitations of damages, liability and no warranty provisions set forth above in this Section 8.2 are fundamental elements of the basis of the bargain between the Operator and you.

9. General Provisions
9.1. Entire Agreement. This Agreement, the Privacy Policy, E-Sign Disclosure and Consent Policy, Prohibited Use Policy, and Appendices incorporated by reference herein comprise the entire understanding and agreement between you and the Operator as to the subject matter hereof, and supersedes any and all prior discussions, agreements and understandings of any kind (including without limitation any prior versions of this Agreement), between you and the Operator. Section headings in this Agreement are for convenience only and shall not govern the meaning or interpretation of any provision of this Agreement.

9.2. Assignment. We reserve the right to assign our rights without restriction, including without limitation to any the Operator affiliates or subsidiaries, or to any successor in interest of any business associated with the Platform Services. In the event that the Operator is acquired by or merged with a third party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control. You may not assign any rights and/or licenses granted under this Agreement. Any attempted transfer or assignment by you in violation hereof shall be null and void. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns.

9.3. Severability. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any local, state, or federal government agency, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.

9.4. Survival. All provisions of this Agreement which by their nature extend beyond the expiration or termination of this Agreement, including, without limitation, sections pertaining to suspension or termination, Platform Account cancellation, debts owed to the Operator, general use of the Platform Site, disputes with the Operator, and general provisions, shall survive the termination or expiration of this Agreement.

9.5. Force Majeure. We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, significant market volatility, act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, pandemic, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

9.6. Non-Waiver of Rights. This Agreement shall not be construed to waive rights that cannot be waived under applicable laws, including applicable state money transmission laws in the state where you are located. In addition, our failure to insist upon or enforce strict performance by you of any provision of this Agreement or to exercise any right under this Agreement will not be construed as a waiver or relinquishment to any extent of our right to assert or rely upon any such provision or right in that or any other instance.

9.7. Relationship of the Parties. the Operator is an independent contractor for all purposes. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and the Operator, or authorize you to act as agent of the Operator.

9.8. Governing Law. You and we agree that the laws of the State of California, without regard to principles of conflict of laws, will govern the Agreement and any Dispute, except to the extent governed by the Federal Arbitration Act or other applicable federal law.

9.9. Class, Collective, Representative, and Mass Action Waiver and Jury Trial Waiver. You and the Operator agree that, except as specified in the Batch Arbitration Provision set forth above, each of us may bring claims against the other only on an individual basis and not on a class, representative, or collective basis or as part of a mass action (such as a mass arbitration), and the parties hereby waive all rights to bring or to participate in such actions in arbitration or in court to the maximum extent permitted by applicable law. This provision does not prevent you or the Operator from participating in a class-wide settlement of claims. YOU AND WE AGREE TO WAIVE OUR RIGHTS TO A JURY TRIAL. To the extent that any Dispute proceeds in court, and to the maximum extent permitted by applicable law, you and we agree to waive any right to a jury trial and have such matter resolved by a judge (also known as a bench trial).

9.10 Forum Selection. Unless you and the Operator agree otherwise, to the maximum extent permitted by applicable law, the state and federal courts in New York, New York (except for small claims courts, in which case you and we agree to resolve our Disputes in a small claims court of competent jurisdiction) will have exclusive jurisdiction over any Dispute that is not subject to arbitration or over any action involving the applicability or enforceability of the Dispute Resolution section 7 or any portion of the Dispute Resolution section (including the Arbitration Agreement, Appendix 5). You and the Operator consent to the exclusive jurisdiction of these courts and waive any objections as to: (1) personal jurisdiction or (2) the laying of venue in such courts because of inconvenient forum or any other basis or right to seek to transfer or change venue of any such action to another court.

APPENDIX 1: Verification Procedures and Limits
As a regulated financial service company operating in the US we are required to identify users on our platform. This ensures we remain in compliance with KYC/AML laws in the jurisdictions in which we operate, something that is necessary for us to be able to continue to offer Digital Asset exchange services to our customers. the Operator collects and verifies information about you in order to: (i) protect the Operator and the community from fraudulent users; and (ii) to keep appropriate records of the Operator's customers. Your daily or weekly Conversion limits, withdrawal and trading limits, Instant Buy limits, USD Wallet transfer limits, and limits on transactions from a linked payment method are based on the identifying information and/or proof of identity you provide to the Operator.

All U.S. customers who wish to use Platform Services are required to establish a Platform Account by:

Providing your name and valid email address, a password and your state of residence;

Certifying that you are 18 years or older;

Accepting User Agreement and Privacy Policy; and

Verifying your identity by submitting the following information:

Name

DOB

Physical address

SSN (or ID # from gov’t issued ID)

Source of funds

Income/employment information (US only)

Explanation of activity (US only)

All U.S. customers who wish to send and receive Digital Assets on to the blockchain are required to:

Submit a copy of an acceptable form of identification (i.e. passport, state driver's license, or state identification card); and

Submit a picture of yourself or a selfie from your webcam or mobile phone.

Notwithstanding these minimum verification procedures for the referenced Platform Services, the Operator may require you to provide or verify additional information, or to wait some amount of time after completion of a transaction, before permitting you to use any Platform Services and/or before permitting you to engage in transactions beyond certain volume limits. You may determine the volume limits associated with your level of identity verification by visiting your account's Limits page.

You may contact us at [applicable information page] Operator.com to request larger limits. the Operator will require you to submit to Enhanced Due Diligence. Additional fees and costs may apply, and the Operator does not guarantee that we will raise your limits.

APPENDIX 2: E-Sign Disclosure and Consent
This policy describes how the Operator delivers communications to you electronically. We may amend this policy at any time by providing a revised version on our website. The revised version will be effective at the time we post it. We will provide you with prior notice of any material changes via our website.

Electronic Delivery of Communications

You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that we provide in connection with your Platform Account(s) and your use of Platform Services. Communications include:

Terms of use and policies you agree to (e.g., the the Operator User Agreement and Privacy Policy), including updates to these agreements or policies;

Account details, history, transaction receipts, confirmations, and any other Account or transaction information;

Legal, regulatory, and tax disclosures or statements we may be required to make available to you; and

Responses to claims or customer support inquiries filed in connection with your Account.

You consent to the use of electronic signatures in connection with your use of the Services. You specifically agree, opt in and consent to Paperless Delivery of Tax Forms Agreement available at [applicable information page] Operator.com/taxes/settings. You may opt out at any time via the same link.

We will provide these Communications to you by posting them on the Platform Site, emailing them to you at the primary email address listed in your the Operator profile, communicating to you via instant chat, and/or through other electronic communication such as text message or mobile push notification.

Hardware and Software Requirements

In order to access and retain electronic Communications, you will need the following computer hardware and software:

A device with an Internet connection;

A current web browser that includes 128-bit encryption (e.g. a supported web browser version 9.0 and above, a supported web browser version 3.6 and above, a supported web browser version 31.0 and above, or a supported web browser 7.0 and above) with cookies enabled;

A valid email address (your primary email address on file with the Operator); and

Sufficient storage space to save past Communications or an installed printer to print them.

How to Withdraw Your Consent

You may withdraw your consent to receive Communications electronically by contacting us at [applicable information page] Operator.com. If you fail to provide or if you withdraw your consent to receive Communications electronically, the Operator reserves the right to immediately close your Platform Account or charge you additional fees for paper copies.

Updating your Information

It is your responsibility to provide us with a true, accurate and complete e-mail address and your contact information, and to keep such information up to date. You understand and agree that if the Operator sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, the Operator will be deemed to have provided the Communication to you.

You may update your information by logging into your account and visiting settings or by contacting our support team at [applicable information page] Operator.com.

APPENDIX 3: State License Disclosures
the Operator maintains licenses to engage in money transmission activities in many states, and these licenses may impact our provision and your use of certain Platform Services depending on where you live. the Operator's licenses and corresponding required disclosures can be found on the the Operator Licenses page, which is incorporated by reference.

If you live in the following jurisdictions, we are required to provide you with the following information:

Alaska If your issue is unresolved by the Operator, 1-888-908-7930, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: [applicable information page]

Submit formal complaint form with supporting documents: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at [contact email] or call Nine Zero Seven Four Six Five Two Five Two One

Arizona If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact­-us. If you still have an unresolved complaint regarding the Operator, lnc.'s money transmission activity, you may complete an Online Complaint Form as stated on the File a Complaint against a Financial Institution or Enterprise page: [applicable information page]

Or the AZ e-Licensing Portal for filing a complaint: [applicable information page]

Or you may call the AZ Financial Institutions Division: (602) 771-2800 | Toll-free: (800) 544-0708

Arkansas If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us.

If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file the completed complaint form by e-mailing to [contact email] or by mailing at:

1 COMMERCE WAY, SUITE 402 LITTLE ROCK, ARKANSAS 72202 TELEPHONE: (501) 324-9260 FACSIMILE: (501) 324-9268

California Please note the following disclosures for California resident customers of the Operator:

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location. Please see here for more information regarding other fees.

Please see here information regarding insurance available to the Operator for certain assets on the the Operator platform.

Transactions in virtual currency may be irreversible, and, accordingly, losses due to unauthorized, fraudulent, and accidental transactions or transfers may not be recoverable.

Please see here for information on how to submit a report regarding unauthorized, mistaken, or accidental transactions. Please see here for information concerning general complaint and error resolution procedures. Please see here for information on how to update your contact information with the Operator.

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

Please see here for information regarding cancelling or suspending recurring or preauthorized purchases on the the Operator platform, including procedures to initiate a stop-payment order.

Please see here for information regarding pending transactions.

Following each transaction, the Operator will provide you with a receipt, trade ticket, or other evidence of the transaction. You can access these records in your account.

the Operator will provide California residents at least 14 days’ prior notice of changes to the fee information referenced above, the Operator terms and conditions that have a material impact on California residents’ digital financial asset business activity, and the policies applicable to the California residents’ accounts.

Virtual currency is not legal tender in California or the United States, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Please see here for information regarding current and historical availability/outages of the Operator platform products and services.

If you have a complaint, please contact the Operator at 1-888-908-7930 or visit [applicable information page] Operator.com/en/contact-us. If you have an unresolved complaint regarding the Operator, you can direct your complaint to the California Department of Financial Protection and Innovation:
Online: [applicable information page]
DFPI consumer complaints email: [contact email]
Toll Free: (866) 275-2677

Paper complaint forms can be mailed to the Department of Financial Protection and Innovation:

Attn: Consumer Services

651 Bannon Street, Suite 300

Sacramento, CA 95811

Please note the following disclosures for California resident Prime customers of the Operator and the custody provider:

the institutional simulation feature customers can also visit [applicable information page] Operator.com/en/prime for more information and relevant disclosures specific to your the institutional simulation feature account.  the institutional simulation feature terms and conditions may differ from the general terms outlined above – please refer to your specific Prime Agreement for details.  For complaints regarding the Operator or the custody provider, please contact us at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us.

Unresolved complaints regarding either of these entities can likewise be directed to to the California Department of Financial Protection and Innovation:

Online: [applicable information page]

DFPI consumer complaints email: [contact email]

Toll Free: (866) 275-2677

And, similarly, paper complaint forms can be mailed to the Department of Financial Protection and Innovation:

Attn: Consumer Services

Colorado MO7 Customer Notice - COLORADO MONEY TRANSMITTERS ACT

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Colorado Division of Banking.

The Complaint Process

All consumer complaints filed with the Colorado Division of Banking must be submitted in writing. All consumer complaints filed with the Division must be submitted in writing. You will not fill out the form online. Instead, you must download the file to your own device and edit that version. When completing the form, please provide detailed information and fill it out completely.

Complaint Form (PDF)

Send the complaint and supporting documentation by regular mail, facsimile, or electronic mail (e-mail) to the Colorado Division of Banking. NOTE: If filing electronically, scan and/or save the completed complaint form with related attachments to a PDF file, a Word doc, or Zip file, and attach to your E-mail.

Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Phone: 303-894-7575 Fax: 303-894-7570 E-mail: [contact email]

Connecticut Please note the following disclosures associated with virtual currency:

WARNING: LOSSES DUE TO FRAUDULENT OR ACCIDENTAL TRANSACTIONS MAY NOT BE RECOVERABLE AND TRANSACTIONS IN VIRTUAL CURRENCY ARE IRREVERSIBLE.

Virtual currency is not backed or insured by the government and accounts and value balances are not subject to Federal Deposit Insurance Corporation, National Credit Union Administration or Securities Investor Protection Corporation protections.

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which may not be the date or time when the customer initiates the virtual currency transaction

The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the permanent and total loss of the value of a particular virtual currency, if the market for that virtual currency disappears.

The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in a significant loss over a short period of time.

Any bond maintained by the Operator for the benefit of the customers of the Operator may not be sufficient to cover all losses incurred by such customers.

Virtual currency transactions are irreversible and are used by persons seeking to defraud customers, including, but not limited to, a person impersonating a customer's loved one, threatening jail time, stating that a customer's identity has been stolen, insisting that a customer withdraw money from the customer's bank account and purchase cryptocurrency or alleging a customer's personal computer has been hacked.

If you have a complaint or questions, please contact Platform Support at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator money transmission activity, you may submit a formal complaint via [applicable information page] Operator.com/en/contact-us/submit-a-complaint. You may also contact the Connecticut Department of Banking at [applicable information page] with any complaints.

District of Columbia If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Department at:

District of Columbia Department of Insurance, Securities and Banking 1050 First St., NE, Suite 801 Washington, DC 20002 Phone: (202) 727-8000 Fax: (202) 354-1085 E-mail: [contact email]

Consumer Complaint Form Mail-in Version

Florida If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Florida Office of Financial Regulation at: Online: [applicable information page] To file your complaint, you will need to register electronically through Online Services. A valid email address is required.

Florida Office of Financial Regulation - Consumer Finance 200 E. Gaines Street, Tallahassee, FL 32399-0376 850-487-9687

FL Office of Financial Regulation Complaint Portal: [applicable information page]

Georgia Licensed by The Georgia Department of Banking and Finance. (Lic. # 42796/ NMLS# 1163082).

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Georgia Department of Banking and Finance - Consumer Resources: [applicable information page]

Illinois If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Illinois Division of Banking at:

Illinois Department of Financial and Professional Regulation Online: [applicable information page]

Division of Financial Institutions: Fill In and Print Complaint Form for Currency Exchange and Title Insurance [applicable information page]

Kansas If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Office of the State Bank Commissioner.

If submitting electronically, submit your complaint here: [applicable information page]

Mail or fax the completed consumer assistance form and attachments to:

Kansas Office of the State Bank Commissioner: Attn: Consumer Affairs 700 SW Jackson St, Suite 300 Topeka, KS 66603 Fax: (785) 371-1229 Email: [contact email]

Louisiana Please note the money transmission license issued to the Operator by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency.

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Office of Financial Institutions.

All complaints must be submitted in writing. To file a complaint, please complete the complaint form and send to OFI by mail, email, or fax.

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the value of virtual currency.

Transaction in virtual currency may be irreversible, and accordingly, losses due to fraudulent or accidental transactions may not be recoverable.

Some virtual currency transactions may be immediately effective when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

The value of virtual currency may be derived from the continued willingness of market participants to exchange legal tender for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency if the market for the virtual currency declines or collapses for an extended period of time.

Any surety bond required by law for the benefit of customers may not be sufficient to cover all losses incurred by customers.

Customers should perform research before purchasing or investing in virtual currency.

Please see the Operator’s Global Privacy Policy, which describes how the Operator collects, uses and discloses personal information.

Maryland If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Maryland Department of Labor.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding [License No. 12-1163082 and NMLS ID: 1163082] by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, or (888) 784-0136. Additional information about the Operator may be obtained at www.nmlsconsumeraccess.org

Minnesota If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Minnesota Department of Commerce.

To make a complaint, please make a call contacting the following:

Minnesota Department of Commerce 85 8th Place East, Suite 208 Saint Paul, MN 55101 (Local) 651-539-1500 (Complaints) 651-539-1600

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Mississippi The Mississippi Department of Banking & Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us to allow the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file you complain online at [applicable information page]

Nevada the Operator is licensed by the Nevada Department of Business and Industry as a money transmitter. At this time, the Nevada Department of Business and Industry does not license or regulate services related to virtual currency, including but not limited to virtual currency transmission or exchange which may be conducted by the Operator.

If you have a question or complaint, please first contact the consumer assistance division of the Operator at [applicable information page] Operator.com or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003. If you have an unresolved question or complaint regarding the money transmission services provided by the Operator, you may contact the Nevada Department of Business and Industry at (702) 486-4120.

New York Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of virtual currency.

Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable.

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency should the market for that virtual currency disappear.

There is no assurance that a person who accepts a virtual currency as payment today will continue to do so in the future.

The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in significant loss over a short period of time.

The nature of virtual currency may lead to an increased risk of fraud or cyber attack.

The nature of virtual currency means that any technological difficulties experienced by the Operator may prevent the access or use of a customer’s virtual currency.

Any bond or trust account maintained by the Operator for the benefit of its customers may not be sufficient to cover all losses incurred by customers.

the Operator is regulated and licensed as a money transmitter by the New York State Department of Financial Services. If you have a question or complaint, please first contact the consumer assistance division of the Operator at [applicable information page] Operator.com or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003.

For unresolved/written complaints, you may mail a complaint to New York State Department of Financial Services, Consumer Services Division, One State Street, New York, NY 10004-1417, (800) 342-3736, email: [contact email], website: www.dfs.ny.gov/complaint.

North Dakota the Operator is licensed by the North Dakota Department of Financial Institutions as a money transmitter. If you have a question or complaint, please first contact the consumer assistance division of the Operator at [applicable information page] Operator.com or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003. If you have an unresolved question or complaint regarding the money transmission services provided by the Operator, you may contact the North Dakota Department of Financial Institutions at (701) 328-9933.

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Rhode Island Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Tennessee the Operator is licensed by the Tennessee Department of Financial Institutions as a money transmitter.

The Tennessee Department of Financial Institutions does not regulate virtual currency. Please note that this license and the required surety bond do not cover the transmission of virtual currency. The Tennessee Department of Financial Institutions does not regulate virtual currency. Tennessee’s Money Transmitter License and the required surety bond do not cover the transmission of virtual currency. However, any company that offers to exchange, administer, or maintain virtual currencies for sovereign currency may be subject to state regulation and licensing as well as federal regulation. To verify a licensed Tennessee Money Transmitter, please click HERE or visit the NMLS Consumer Access website HERE.

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator money transmission activity, please direct your complaint to: [applicable information page] or call the Tennessee Department of Financial Institutions at 1-800-778-4215

Texas If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator money transmission activity, please direct your complaint to: [applicable information page]

Virginia the Operator is licensed by the Virginia State Corporation Commission as a money transmitter, but such license does not cover the transmission of virtual currency (Bitcoin).

Washington Please note the following disclosures associated with virtual currency:

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent, mistaken or accidental transactions may not be recoverable. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible. Reporting an unauthorized transaction does not guarantee the Operator will be able to reverse the transaction or reimburse you for the transaction.

The nature of virtual currency may lead to an increased risk of fraud or cyber attack.

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator money transmission activity, you may file it by contacting the Washington Department of Financial Institutions at [applicable information page]

APPENDIX 4: Additional Services
In addition to the Services described in the Agreement, the following services ("Additional Services") may be made available by the Operator to Users that fulfill certain eligibility criteria. The provisions for each Additional Service herein apply to your use of such Additional Service, in addition to the other applicable provisions of the Agreement. If you do not use any Additional Services, then this Appendix does not apply to you.

1. the Operator Card
1. the Operator Card. When you hold Fiat Currency denominated in U.S. Dollars (USD) or Supported Digital Assets on the Operator, you may be given the option to apply for a the Operator the applicable card network Card (“Card”) issued by Pathward National Association (“Pathward”). The Card is a debit card. To use the Card, you must agree to the the Operator Card terms (“the Operator Card Terms”) set out below and to the the Operator Card Cardholder Agreement with Pathward (“Cardholder Agreement”).

1.1. Role of the the Operator Card Terms. These the Operator Card Terms govern the basis upon which the Operator will provide you with the Card and your use of the Card, including within the Platform Site. The Card is issued to you by Pathward and should be read in conjunction with the Cardholder Agreement and this User Agreement.

1.2. Role of the Card. The Card can be used to purchase goods and services from merchants at point of sale terminals, over the telephone, online, or on payment platforms, or withdraw cash from automated teller machines (“ATMs”) that accept the applicable card network cards (“Card Transactions”).The Card account at Pathward (“Card Account”) will be linked to your USD Wallet and Digital Asset Wallet. You will be required to elect USD in your USD Wallet or a Supported Digital Asset in your Digital Asset Wallet as your default spending currency (“Preferred Spending Currency”) before you can use your Card and can update your Preferred Spending Currency at any time.

1.3. Card Services. Pursuant to the terms of your Cardholder Agreement, you may use the Card to make various Card Transactions.

1.4. Supported Digital Asset as Preferred Spending Currency. When you select a Supported Digital Asset as your Preferred Spending Currency and use your Card, you authorize the Operator to facilitate your sale of your Supported Digital Asset, the proceeds of which you authorize the Operator to use to fund Card Transactions in USD.

1.4.1. Role of the Operator. the Operator is responsible for facilitating your sale of your Preferred Digital Asset (“Digital Asset Services”) when applicable, to other the Operator Customers and transferring funds to your Card Account to enable payments to merchants for the purchase of goods and services, and to you for ATM withdrawals, in USD in the amount authorized by the Card Transaction (the “Purchase Price”).

1.4.2. When you select a Supported Digital Asset as your Preferred Spending Currency and use your Card to make a Card Transaction, you authorize the:

1.4.2.1. Sale of your Preferred Digital Asset in the amount of the Purchase Price plus the accompanying fees and charges described in the Cardholder Agreement if applicable and Section 1.11 of these the Operator Card Terms and Section 3.3 of this User Agreement (together, the “Total Purchase Price”) and converted at the prevailing trading rate on the Operator’s trading platform (“Exchange Rate”) (the “Total Transaction Price”) from your Digital Asset Wallet; and

1.4.2.2. Transfer of the Total Purchase Price in Fiat Currency from your USD Wallet to the Card Account so that Pathward can facilitate the transfer of: (i) the Purchase Price to the merchant (i.e., for the purchase of goods and services) or to you (i.e., for ATM withdrawals); and (ii) any fees and charges described in the Cardholder Agreement, except for any fees and charges described in this User Agreement via the the applicable card network Card Scheme (“Card Scheme”).

1.5. Applying for the Card. If you apply for a Card, you will be required to provide certain personal information. You agree that we may share personal information you previously provided to us under our Privacy Policy to verify your identity, with Pathward and with service providers acting on our behalf or on Pathward’s behalf solely to verify your identity or address, and/or to manage risk as required under applicable law. Personal information shared with Pathward will be treated in accordance with its Privacy Policy. If you do not provide this information, or if Pathward is unable to verify your identity with the information provided by the Operator, your application for a Card will not be considered. We may refuse to facilitate processing of your application through Pathward if we determine in our sole discretion that you are in breach of the terms of the User Agreement.

1.6. Activating the Card. You must sign a physical Card as soon as you receive it and must activate the Card to be able to use it. Activation instructions are set out on the packaging that the Card is attached to and within the Platform Site. A virtual Card can be used immediately upon receipt and does not need to be activated.

1.7. Using the Card.

1.7.1. You agree that you will use the Card in accordance with these the Operator Card Terms, this User Agreement, and the Cardholder Agreement.

1.7.2. Your consent will be required in order to use the Card to make a Card Transaction. You may give your consent in the following ways depending on the type of Card Transaction that you are trying to make and the information required by the merchant or ATM:

1.7.2.1. Purchase of goods and services from a merchant on the merchant’s premises from a point of sale terminal or withdrawing cash from an ATM: You may be required to enter the personal identification number (“PIN”) that we will arrange for you to receive from Pathward (or that you may choose) from time to time unless the Card Transaction is being made via a contactless card reader in which case the presentation of the Card will be sufficient to demonstrate consent.

1.7.2.2. Purchase of goods and services from a merchant by telephone, online, or on a payments platform: You may be required to provide Card details such as the Card number, expiration date, and three digit security code from the reverse side of the Card.

1.8. Errors or Unauthorized Transactions. If you believe your Card has been lost or stolen, or that an error or unauthorized transaction has occurred, you should contact the Operator Customer Service immediately by phone at (888) 908-7930 or email at card@the Operator.com. the Operator will not be liable for unauthorized transactions. See Section 3 of the Cardholder Agreement for more information regarding your liability for unauthorized transactions. See Section 8 of the Cardholder Agreement for information regarding Error Resolution.

1.9. Maximum Execution Time. The maximum execution time of the Card Transaction itself is dependent on actions being taken by the merchant, ATM owner, Card Scheme and/or other service providers. the Operator will use commercially reasonable endeavors to comply with and adhere to the Card Scheme’s settlement timing requirements.

1.10. Usage Limits. The usage limits for the Card are set out in Section 4 of your Cardholder Agreement.

1.11. Fees and Charges. When we perform the Digital Asset Services, the Operator will not charge transaction fees but will include a spread, in accordance with this User Agreement. You can find a list of our fees and charges on our Pricing and Fees Disclosures page which are separate from any fees and charges included in your Cardholder Agreement. You are at all times responsible for the Total Purchase Price in Fiat Currency and the Total Transaction Price in Supported Digital Asset when you make a Card Transaction.

1.12. Refunds. If you are entitled to a refund for any reason for goods or services obtained with your Card, the refund shall be processed in accordance with the terms set out in Section 9(b) of your Cardholder Agreement. Once a refund has been posted by the merchant, we will arrange for it to be refunded to your USD Wallet in Fiat Currency.

1.13. Right to Charge Exchange Rates for Hold Returns. If your Card Transaction is subject to a preauthorization hold as described in Section 7(f) of your Cardholder Agreement, once the amount of the Total Purchase Price is received, we will arrange for any remaining amount to be refunded to your USD Wallet or Digital Asset Wallet (as applicable) in your Preferred Spending Currency, which shall be calculated using the Exchange Rate applicable at the time of refund.

1.14. Information Regarding Card Transactions. You may find details regarding Card Transactions that you have executed in the the Operator Card portal of the Platform Site (“the Operator Card Portal”).

1.15. Rewards Program. Your Card will be automatically enrolled in our Digital Assets rewards program (“Rewards Program”) upon activation. You will then be able to opt-in to the Rewards Program by electing a Supported Digital Asset from a range of Supported Digital Assets that we may offer from time to time (“Preferred Digital Asset”). After you have opted-in, you will be eligible to earn your Preferred Digital Asset in return for Card Transactions (“Rewards”) except for cash withdrawals, the purchase or re-load of stored value cards and payments made to financial institutions associated with the purchase of merchandise or services or the repayment of loans, credit card balances and debts. The amount of the Reward for a Card Transaction is calculated by multiplying the Purchase Price by the applicable Rewards Percentage which will be published within the the Operator Card Portal from time to time. This amount will be deposited into your Digital Asset Wallet in your Preferred Digital Asset. Earned and redeemed Rewards will be reflected in your Card Transaction log. The Rewards Program is offered by the Operator and is not a product or service of Pathward.

1.16. Exceptions to Rewards Program. We accept no responsibility for the goods or services purchased by you with your Card. All such disputes must be addressed directly with the merchant providing the relevant goods or services. If you receive a return, credit, or chargeback related to a Card Transaction from a merchant for any good or service and we have provided you with a Reward for that Card Transaction, we will be entitled to debit your Digital Asset Wallet the amount of the original Reward using the Exchange Rate applicable at the time of the Card Transaction. Upon the commencement of any proceedings by or against you under any bankruptcy or insolvency law, Rewards cannot be redeemed. We reserve the right to alter, change and/or terminate the Rewards Program, at any time and for any reason, which may result in the cancellation of unredeemed Rewards, upon written (including electronic) notice to you. In addition, we reserve the right to immediately disqualify you from the Rewards Program if you have violated these the Operator Card Terms or if you have, in our determination, misused the Rewards Program.

1.17. Right to Debit, Access, or Offset Other Platform Services. If for any reason you have insufficient Fiat Currency in your USD Wallet or insufficient Supported Digital Asset in the relevant Digital Asset Wallet selected to fund a Card Transaction, we reserve the right to debit, access, or offset the amount of all or part of the Card Transaction from any other the Operator Service that you obtain from us, including but not limited to any USD or Supported Digital Assets you hold today, or in the future, in any USD Wallet, Digital Asset Wallet, or in connection with any other Platform Services. This includes situations where the Operator has granted you provisional credit in USD or Supported Digital Assets in connection with a disputed Card Transaction that is later resolved in favor of the opposing party.

1.18. Restriction, Suspension, and Termination. Card Transactions or your Card use may be restricted, suspended or terminated with immediate effect in situations where:

1.18.1. We are, in our reasonable opinion, required to do so by contract or by applicable law or any court or other authority to which we are subject in any jurisdiction;

1.18.2. We reasonably suspect you of acting in breach of these the Operator Card Terms (including any provision of this User Agreement), or the Cardholder Agreement;

1.18.3. We have concerns that a Card Transaction is erroneous or about the security of your Card or your Platform Account or we suspect the Platform Services are being used in a fraudulent or unauthorized manner;

1.18.4. We suspect money laundering, terrorist financing, fraud, or any other financial crime;

1.18.5. If your credit or debit card or any other valid payment method linked to your USD Wallet or Digital Asset Wallet is declined;

1.18.6. Use of your Platform Account is subject to any pending litigation, investigation, or government proceeding and/or we perceive a heightened risk of legal or regulatory non-compliance associated with your Platform Account activity; or

1.18.7. You have insufficient USD in your USD Wallet or Supported Digital Assets in your Digital Asset Wallet to cover the Total Transaction Price of a relevant Card Transaction.If Card Transactions, your Card use and/or any or all Platform Services are restricted, suspended or terminated in this way, we will (unless it would be unlawful for us to do so), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. In the event that we decline a card transaction and/or restrict, suspend, or terminate your use of the Card and any/or any or all Platform Services, we will reinstate the Card Transaction and/or lift the restriction, suspension, or termination as soon as reasonably practicable once the reasons for decline and/or restriction, suspension, or termination cease to exist.

1.19. These the Operator Card Terms and the Cardholder Agreement. In the event of a conflict between this User Agreement, including these the Operator Card Terms and the Cardholder Agreement, the provisions of the Cardholder Agreement shall prevail.

1.20. the Operator Liability. This section operates in addition to any limitation of liability expressed elsewhere in this User Agreement.

1.20.1. the Operator will not be liable to you for any loss arising from:

1.20.1.1. A merchant refusing to accept a Card;

1.20.1.2. Any breach by the Operator of the User Agreement due to abnormal or unforeseen circumstances beyond the Operator’s reasonable control, which would have been unavoidable despite the Operator’s efforts to stop it;

1.20.1.3. Pathward restricting, suspending, or terminating a Card or refusing to issue or replace a Card in accordance with these the Operator Card Terms;

1.20.1.4. Pathward declining a Card Transaction that you make or attempt to make using a Card;

1.20.1.5. the Operator restricting, suspending, or terminating your USD Wallet, Digital Asset Wallet, or any related Platform Services; or

1.20.1.6. the Operator’s compliance with any applicable laws and regulations.

1.20.2. the Operator will not be liable for the goods or services that you purchase from a merchant using a Card.

1.20.3. Where a Card is faulty, the Operator’s liability shall be limited to assisting with the replacement of the Card.

2. USDC Rewards
USDC IS NOT LEGAL TENDER OR CURRENCY. USDC IS A SUPPORTED DIGITAL ASSET AND the Operator HAS NO RIGHT TO USE ANY USDC IN YOUR the Operator ACCOUNT EXCEPT IN CONNECTION WITH SECURED USDC, AS DESCRIBED UNDER THIS AGREEMENT. the Operator IS NOT A DEPOSITORY INSTITUTION, AND YOUR USDC WALLET IS NOT A DEPOSIT ACCOUNT.

1.1. Eligibility. If you are eligible, you can earn rewards for holding USDC in your Platform Account, including any Secured USDC. So long as you hold at least $1 of USDC in your Platform Account, you will automatically earn amounts of USDC as described below in the “Calculation” section (“USDC Rewards”). If at any time you do not hold at least $1 of USDC in your Platform Account, your enrollment in USDC Rewards will be paused until such time that you do hold at least $1 of USDC in your Platform Account. During such period you will retain all USDC Rewards previously accrued but not yet distributed. Such accrued rewards will be distributed as described below in the “Calculation” section. If at any time you are deemed ineligible, your enrollment in USDC Rewards will be similarly paused. You can opt-out of, or back into, USDC Rewards at any time by following the instructions here. If you opt-out of USDC Rewards or close your Platform Account, you will forfeit the rewards you have accrued (that are not yet distributed for the current calendar month) up to that time.

1.2. Calculation. Rewards are earned on a daily basis in the form of USDC at the then current USDC Rewards Rate. Our current USDC Rewards Rate can be found here. Our current USDC Rewards Annual Percentage Yield, which includes the effect of weekly compounding, can be found here and here. Rewards earned in a particular week are airdropped into your the Operator USDC wallet within five (5) business days after the start of the next calendar week. USDC Rewards distributed to you are rounded-down to the nearest sixth decimal place. We use the Daily Balance Method to determine the rewards you earn for a particular day, using your average balance of USDC on that specific day as that day’s balance. The rate used to determine rewards earned for a particular day is the then current USDC Rewards Rate divided by 365. Based on your selected preference, rewards accrued in USDC may be distributed to you in an equivalent value of another supported digital asset. Any such rewards distributed in a digital asset other than USDC are subject to market volatility and may gain or lose value.

1.3. Changes. We reserve the right to change the USDC Rewards Rate Annual Percentage Yield at any time by notification here and here and by other reasonable means of notice (including e-mail). Unless otherwise stated in the notice, no change will be effective until the first day of the calendar month after such notice is made. We reserve the right to add, change, or delete any provision of these terms and to terminate the USDC rewards program, or your participation in the program, at any time upon notice made in the same manner.

1.4. Definitions.

“USDC Rewards Rate” means the annual rate of rewards earned on a USDC wallet, which does not reflect compounding. The current USDC Rewards Rate can be found here.

“USDC Rewards Annual Percentage Yield” or “APY” means the percentage rate reflecting the total amount of USDC Rewards earned, based on the then current USDC Rewards Rate and end of month compounding for a 365-day period. The current USDC Rewards Annual Percentage Yield can be found here and here.

“Daily Balance Method” means the application of the daily periodic rate (derived from the APY) to the calendar day average of USDC held in your USDC wallet each day.

3. Staking Services
When you hold Supported Digital Assets on the Operator you may be given the option to “stake” these assets in a third party proof of stake network via staking services provided by the Operator or an affiliate (including a third party validator operator). Please visit our staking information page for further details on how proof of stake works.

1.1. Staking Services Are Optional and Do Not Affect Ownership. Staking services may be available for some or all of your Supported Digital Assets. YOU ARE NOT REQUIRED TO STAKE WITH the Operator AND YOU CAN REQUEST TO UNSTAKE AT ANY TIME. FOR MORE INFORMATION VISIT THE HELP CENTER. If you choose to stake, the Operator will perform blockchain operations involving your digital assets as described below. This instruction to stake your digital assets does not affect the ownership of your digital assets in any way. For the avoidance of doubt, the provisions for Digital Asset Custody and Title described in Section 2.7 above apply whether or not a digital asset is staked.

1.2. The Service; Rewards; Commission; Limitations. If you stake your assets with us, the Operator, or one of its affiliates, will facilitate the staking of those assets on your behalf by acting as a transaction validator on the applicable network for the Supported Digital Asset you stake. Depending on the protocol, there may be a delay before your assets are eligible to participate in the transaction validation process and earn rewards. If the Operator or an affiliate successfully performs a validation task in that Supported Digital Asset, you may earn a reward granted by that Supported Digital Asset’s network. Rewards are determined by the protocols of the applicable network. If the applicable network distributes any rewards in unstaked form, the Operator will use commercially reasonable efforts to restake those rewards. You may request to unstake your accrued rewards at any time as described in Section 1.4 below. Rewards will be credited to your account by taking into account the amount of your principal and previously accrued rewards that remain staked with the Operator. the Operator will credit your account for any earned rewards after receipt by the Operator, minus a commission. The current commission for each staking asset can be found in the Help Center. the Operator may change these published commissions at any time, including after your assets have been staked. In addition, the membership feature members may have the opportunity to opt-in to lower commissions for certain assets, meaning opted-in the membership feature members will have access to higher net reward rates for those assets (“Boosted Staking Rewards”). the Operator may also offer lower commissions for certain assets on a promotional basis, and these promotional commissions may differ among the Operator users. You will be notified if you receive a promotional commission offer.

1.3. Slashing. Some Digital Asset networks subject staked assets to “slashing” if the transaction validator representing those assets incorrectly validates a transaction. the Operator will use commercially reasonable efforts to prevent any staked assets from slashing; however, in the event they are, the Operator will replace your assets so long as such penalties are not a result of: (i) protocol-level failures caused by bugs, maintenance, upgrades, or general failure; (ii) your acts or omissions; (iii) acts or omissions of any third party service provider; (iv) a force majeure event as defined in Section 9.6 of the User Agreement; (v) acts by a hacker or other malicious actor; or (vi) any other events outside of the Operator’s reasonable control.

1.4. Protocol Lockups and Unstaking. Some Digital Asset networks require that a certain amount of staked assets be locked (restricted from sale or transfer) for a period of time while staking.You will need to request for your staked assets to be unstaked before they can be sold or transferred. When you request to unstake, the Operator will take blockchain operations on your behalf to wind-down your assets’ participation in the validation process of the relevant protocol. These blockchain operations may take up to 48 hours to complete, in addition to any applicable protocol unstaking period. Depending on the protocol, you may or may not receive staking rewards during the unstaking process. Expected unstaking periods are estimates only. We will notify you when the unstaking process is complete.

1.5. No Guarantee of Rewards. You have no right to a reward until it is received by the Operator. Rewards will be distributed to your account promptly after they are received by the Operator, except that Boosted Staking Rewards will be distributed in the month after they are received by the Operator, within the first 5 business days of the month. Unless otherwise specified, the “staking rewards rate” disclosed by the Operator for a particular Supported Digital Asset is an annualized historical rate based on the staking rewards generated by the Operator in providing staking services to Platform customers for that Supported Digital Asset, minus our commission. This rate is an estimate and may change over time. the Operator DOES NOT GUARANTEE THAT YOU WILL RECEIVE ANY STAKING REWARDS, INCLUDING THE STAKING REWARDS RATES OR BOOSTED STAKING REWARDS.

1.6. Eligibility. Users who wish to stake through the Operator must meet certain eligibility requirements, as set forth here. These requirements are subject to change.

1.7. Ethereum Staking and Wrapping. In some jurisdictions, you may choose to obtain the ability to sell, send, spend, or otherwise use your staked ETH by selecting, at your sole discretion, to wrap into a token that represents the ETH that you have staked plus associated rewards. This service is not available everywhere, and additional eligibility requirements may apply. By electing to wrap your staked ETH plus any associated rewards balance into the the Operator Wrapped Staked ETH known as “cbETH” you understand and agree that:(a) Once wrapped, you cannot redeem your staked ETH or claim any associated rewards except as described in Section 1.8 below.(b) cbETH represents ownership of ETH staked with the Operator in accordance with this Appendix (including any associated rewards and minus any the Operator fees and slashing penalties). By wrapping staked ETH as cbETH, you remain entitled to all of the economic value, risk, and rewards of the staked ETH. (c) Selling or otherwise transferring cbETH automatically transfers ownership of the staked ETH and the right to redeem described in Section 1.8 below, and entitles the recipient to the attendant economic value, risk, and rewards of the staked ETH, subject to the terms of this Agreement.(d) Staked ETH and associated rewards that have been wrapped as cbETH are held by the Operator on behalf of holders of cbETH, and ownership of these assets shall not transfer to the Operator. Section 2.7 of this Agreement shall apply to staked ETH and associated rewards held on behalf of cbETH holders to the same extent as staked ETH held by the Operator on behalf of Platform customers.(e) cbETH is an ERC-20 token and may be compatible with protocols or other software or technology provided by third parties. (f) The staked ETH held by the Operator on behalf of cbETH holders are subject to the risk of slashing described in 1.3 above. Depending on when you began staking ETH with the Operator, you may lose certain slashing protection by wrapping your staked ETH.In addition, you understand, agree and accept the following risks associated with electing to wrap into cbETH:(g) the Operator does not guarantee the value of your staked ETH principal or associated rewards.(h) the Operator is not responsible for any decrease in the value of your staked ETH principal or associated rewards.(i) The price of cbETH could diverge from the price of ETH or staked ETH because of market fluctuations, which may be affected by the actions or inactions of market makers or other market participants who receive loans or other incentives to purchase cbETH.(j) the Operator does not guarantee that wrapping staked ETH will result in a successful exchange or sale of cbETH, and the Operator will not backstop or otherwise intervene to guarantee cbETH liquidity.(k) the Operator does not guarantee the security or functionality of any third-party protocol, software or technology intended to be compatible with cbETH and is not responsible for any losses of cbETH due to the failure of third-party protocol, software or technology.(l) As with the protocols for other Digital Assets, the Operator does not own or control the underlying Ethereum protocol which governs the operation of cbETH. Accordingly, cbETH is subject to Section 2.6 of this User Agreement, like other Digital Assets.(m) As with other Digital Assets, cbETH could be impacted by one or more regulatory actions, which could impede or limit the services we can provide with respect to cbETH.

1.8. Unwrapping/Redemption of cbETH (a) If you hold cbETH in your Platform Account and satisfy eligibility requirements, you may instruct the Operator to “unwrap” your cbETH, thereby redeeming your cbETH for staked ETH plus any associated rewards and minus any the Operator fees and slashing penalties. Staked ETH and any associated rewards will remain locked until you request unstaking and the protocol unstaking process is completed as described in Section 1.4 above.(b) To unwrap cbETH, you will need to be a Platform customer with a Platform Account in good standing and be eligible to stake ETH as described above. Additional geographic restrictions may apply, and eligibility is subject to change. Requests to unwrap cbETH may not be processed immediately.

1.9. Third-Party Liquid Staking Tokens. If you have staked a Supported Digital Asset through the Operator, you may be able to wrap that staked asset into a third-party liquid staking token (each a "Third-Party LST") and later unwrap it back to the underlying staked asset. Please visit our Help Center for more information on the Third-Party LSTs we support. If you hold a Third-Party LST in your Platform Account, whether or not you obtained it through wrapping on the Operator, the provisions of this Section apply to your relationship with us with respect to that Third-Party LST. This Section governs Third-Party LSTs and does not govern cbETH, which is governed by Sections 1.7-1.8.

1.9.1 What a Third-Party LST represents. A Third-Party LST is a Digital Asset minted by a third party or its smart contracts. In broad terms, it represents your entitlement to a corresponding unit of the underlying staked asset, plus accrued rewards, redeemable subject to the operating rules of the third-party protocol. By holding a Third-Party LST, you remain entitled to the economic value, risk, and rewards of the underlying staked asset. the Operator does not hold or control the underlying assets, and the Operator does not mint the Third-Party LST. The Third-Party LST itself, when held in your Platform Account, is custodied under Section 2.7 like any other Digital Asset.

1.9.2 How wrapping works. When you choose to wrap your staked asset into a Third-Party LST, the Operator takes blockchain operations on your behalf to deposit your asset (and any accrued rewards) into the third-party protocol, and the resulting Third-Party LST is reflected in your Platform Account. The quantity of Third-Party LST you receive is set by the conversion rate published by that protocol or an operator of that protocol at the time of the wrap. The conversion rate may fluctuate over time based on protocol rewards, slashing, validator performance, and other factors outside the Operator's control.

1.9.3 How unwrapping works. If you hold a Third-Party LST in your Platform Account and meet the eligibility requirements, you may instruct the Operator to unwrap it. the Operator will undertake blockchain operations on your behalf to submit a redemption request to the third-party protocol, sending the Third-Party LST to the protocol in exchange for the corresponding amount of the underlying staked asset at the pertinent conversion rate. The underlying staked asset and any accrued rewards (as factored into the conversion rate) will remain locked in the third-party protocol until you instruct the Operator to unstake those assets and the protocol unstaking process is complete, as described in Section 1.4. Unwrap requests may not be processed immediately and may be subject to the timing of the underlying blockchain network and the third-party protocol.

1.9.4 the Operator's role. the Operator undertakes blockchain operations to facilitate the wrapping and/or unwrapping of a Third-Party LST on your behalf. the Operator does not govern the third-party protocols or the underlying blockchain networks.

1.9.5 Eligibility and availability. Geographic restrictions and limitations may apply, and eligibility is subject to change without prior notice.

1.9.6 Terms of use. By wrapping a staked asset into a Third-Party LST or unwrapping a Third-Party LST into the underlying staked asset, you agree that:

(a) Once wrapped, you cannot redeem the underlying staked asset or claim its accrued rewards except by unwrapping the Third-Party LST as described in Section 1.9.3.

(b) The staked asset underlying a Third-Party LST is subject to validator-level and protocol-level penalties (which may include slashing on networks that implement it) and other protocol-level risks.

(c) the Operator does not guarantee the value of the underlying staked asset or any accrued rewards, and is not responsible for any decrease in value, including any decrease from validator-level or protocol-level penalties incurred at the third-party protocol level.

(d) The market price of a Third-Party LST may differ from the implied value of the underlying staked asset.

(e) the Operator does not guarantee a successful unwrap, exchange, or sale of any Third-Party LST, and will not backstop or otherwise intervene to provide Third-Party LST liquidity.

(f) the Operator does not guarantee the security or functionality of any third-party protocol, software, or technology related to a Third-Party LST and is not responsible for losses caused by their failure.

(g) the Operator does not own or control the underlying blockchain network or the third-party staking protocol. Each Third-Party LST is subject to Section 2.6 of this Agreement, like other Digital Assets.

(h) Regulatory actions could affect any Third-Party LST and limit the services the Operator can provide with respect to it.


4. Advanced Trading
the Operator offers, and eligible users may access, an order book for various Supported Digital Asset and Fiat Currency trading pairs (each an “Order Book”) on the Platform Site (“Advanced Trading”). See your Platform Account to see what Order Books are available within Advanced Trading. the Operator does not offer Advanced Trading to customers in all jurisdictions. By accessing Advanced Trading or the the Operator API for Advanced Trading, you accept and agree to be bound by the Trading Rules.

1.1. Trading Fees. By placing an order on Advanced Trading, you agree to pay all applicable fees and authorize the Operator to automatically deduct fees directly from your account. Trading Fees are set forth in the Trading Rules and are available at [applicable information page] Operator.com/legal/trading_rules.

1.2. Withdrawal Fees. the Operator may charge a fee on certain Fiat Currency deposit or withdrawal methods (e.g. bank wire). DEPOSITS AND WITHDRAWALS MAY BE SUBJECT TO LIMITS.

1.3. Trading Account Use. You may not sell, lease, furnish, or otherwise permit or provide access to your Trading Account to any other entity or to any individual that is not your employee or agent. You accept full responsibility for your employees' or agents' use of Advanced Trading, whether such use is directly through the Operator or by other means, such as those facilitated through API keys, and/or applications which you may authorize. You understand and agree that you are responsible for any and all orders, trades, and other instructions entered into Advanced Trading including identifiers, permissions, passwords, and security codes associated with your Platform Account.

1.4. Suspension and Cancellation. In the event that your Platform Account is suspended or terminated, we will immediately cancel all open orders associated with your account, block all withdrawals and bar the placing of further orders until resolution or account cancellation.

5. the membership feature
1. Subscription-Based Membership. the membership feature is a subscription-based membership. A the membership feature subscription renews automatically and requires recurring payments.

2. Membership Benefits. Membership benefits may be changed or removed without notice. Some membership benefits are not available in all regions and are not available to all users. As a member, visit member home to see the list of benefits currently available to you. For important disclosures related to your benefits, see our the membership feature benefit disclosures page. For certain membership benefits, we may partner with a third party to provide you access to services that the third party provides. For those benefits, the third party is the provider of the benefit, not the Operator.

3. Subscription Fee and Billing. By signing up, you authorize a recurring charge of your subscription fee (plus any applicable tax) to any stored payment method, cash balance, or Digital Asset balance from the date of sign-up (or in the case of a free trial, the date that your free trial concludes) until canceled. To avoid the next charge, cancel via “Manage” in member home before your renewal date. The subscription fee is specified during sign-up and is subject to change. To view your current subscription fee, visit member home. If your primary payment method fails, as a backup you authorize us to charge any stored payment method, cash balance, or Digital Asset balance.

4. Paying Subscription Fee with Digital Assets. When using Digital Assets as your primary payment method or as a backup payment method, you agree that you are instructing the Operator to debit an amount of your Digital Assets (calculated using the prevailing prices for the Digital Assets as reasonably determined by the Operator at time of execution) sufficient to pay your subscription fee. You acknowledge that this payment via Digital Assets is subject to Section 6.8 (“Taxes”) of the User Agreement.

5. Cancellation. You can cancel your subscription via “Manage” in member home. Your cancellation will go into effect at the end of your current billing period. To avoid the next charge, cancel before your renewal date.

6. Free Trial. At its sole discretion, the Operator may offer you a free trial or other promotion. Unless you cancel before the end of your free trial or promotion, your subscription will automatically renew at the end of your free trial or promotion and you will be charged your subscription fee on a recurring basis until you cancel.

7. Termination. the Operator reserves the right to terminate your subscription at its sole discretion. If we terminate your subscription, you will receive a prorated refund of your subscription fee (prorated based on the termination date and the date that your billing cycle ends). Your subscription cannot be transferred or assigned.

8. Limited Warranty. Your account may be covered by the limited warranty published here. As a member, visit member home to see the list of benefits currently available to you.

6. Dapp Wallet, DEXes, and Decentralized Applications
1. Dapp Wallet. You may elect to use our dapp wallet (“Dapp Wallet”). Our Dapp Wallet allows you to access a digital asset browser and link to decentralized exchanges (“DEXs”) and other decentralized applications (together, “Dapp(s)”). The Dapp Wallet enables users to (i) store Digital Assets; (ii) access a digital asset browser and link to Dapps; (iii) view addresses and information that are part of Digital Asset networks and broadcast transactions; (iv) participate in retail DEX trades and associated DEX activity, and (iv) additional functionality as we may add from time to time.

1.1. Ownership and Control. You own and control Digital Assets held in your Dapp Wallet. As the owner of Digital Assets in your Dapp Wallet, you shall bear all risk of loss of such Digital Assets. the Operator shall have no liability for Digital Asset fluctuations or loss associated with your use of a Dapp Wallet. At any time, subject to outages, downtime, and other applicable policies, you may withdraw your Digital Assets by sending it to a different blockchain address.

1.2. Third Party Services and Environments. The Services and Platform Site may provide access to or link to third-party services, such as DEXs, and/or Dapps (“Third Party Services”). The Services enable you to access DEXs and/or Dapps via a Dapp browser or through a Dapp Wallet by navigating away from the Platform Site to the Dapp or DEX, by enabling a native frontend software link within the Platform Site, or by purchasing assets in the DEX environment through a Dapp Wallet. When accessing Third Party Services, you understand that you are at no time transferring your assets to us. We provide access to Third Party Services only as a convenience, do not have control over their content, do not warrant or endorse, and are not responsible for the availability or legitimacy of, the content, products, assets, or services on or accessible from those Third Party Services (including any related websites, resources or links displayed therein). Third-party Services, such as Dapps and DEXs, may provide access to assets which have high risks of illiquidity, devaluation, lockup, or loss.

1.3. Fees. You may incur charges from third parties for use of Third Party Services. For example, you may be charged fees via a DEX or Dapp that you may access via the Platform Site. Third party fees are not charged by the Operator and are not paid to the Operator. Any the Operator Fee charged will be designated as such, and presented before you submit your transaction.

1.4. Supported Assets. To view the Digital Assets currently supported by the Dapp Wallet, visit [applicable information page] Operator.com/en/dapps/using-my-dapp-wallet (“Dapp Supported Assets”). Your Dapp Wallet is intended solely for proper use of Dapp Supported Assets. Under no circumstances should you attempt to use your Dapp Wallet to store, send, request, or receive any assets other than Dapp Supported Assets. the Operator assumes no responsibility in connection with any attempt to use your Dapp Wallet with Digital Assets that we do not support. You acknowledge and agree that the Operator is not liable for any unsupported Digital Asset that is sent to a wallet address associated with your Dapp Wallet. the Operator may in its sole discretion terminate support for any particular Digital Asset. Services and supported assets may vary by jurisdiction.

2. Digital Asset Transfers

2.1. In General. Your Dapp Wallet enables you to send Dapp Supported Assets to, and request, receive, and store Dapp Supported Assets from, third parties. Your transfer of Dapp Supported Assets between your other Digital Asset wallets (including wallets off the Platform Site) and to and from third parties is a “Dapp Wallet Asset Transfer”. We recommend customers send a small amount of Dapp Supported Assets as a test before sending a significant amount of Dapp Supported Assets.

2.2. Pending Transactions. Once a Dapp Wallet Asset Transfer is submitted to a Digital Asset network, the transaction will be unconfirmed and remain in a pending state for a period of time sufficient to allow confirmation of the transaction by the Digital Asset network. A Dapp Wallet Asset Transfer is not complete while it is in a pending state. Pending Dapp Wallet Asset Transfers that are initiated from a Dapp Wallet will reflect a pending transaction status and are not available to you for use in the Dapp Wallet or otherwise while the transaction is pending.

2.3. Dapp Wallet Inbound Transfers. When you or a third party sends Digital Assets to a Dapp Wallet from an external wallet (“Dapp Wallet Inbound Transfers”), the person initiating the transaction is solely responsible for executing the transaction properly, which includes ensuring that the Digital Asset being sent is a Dapp Supported Asset that conforms to the particular wallet address to which funds are directed, including any required Destination Tag/Memo. By initiating a Dapp Wallet Inbound Transfer, you attest that you are transacting in a Dapp Supported Asset that conforms to the particular wallet address to which funds are directed.

the Operator incurs no obligation whatsoever with regard to unsupported Digital Assets sent to a Dapp Wallet or with regard to Dapp Supported Assets sent to an incompatible Digital Asset wallet address and/or unsupported network or blockchain. All such erroneously transmitted Digital Assets will be lost. the Operator may from time to time determine types of Digital Assets that will be supported or cease to be supported. You acknowledge and agree that you may be required to pay network or miner’s fees in order for a Dapp Wallet Inbound Transfer transaction to be successful. Insufficient network fees may cause a Dapp Wallet Inbound Transfer to remain in a pending state outside of the Operator’s control, and we are not responsible for delays or loss incurred as a result of an error in the initiation of the transaction and have no obligation to assist in the remediation of such transactions.

2.4. Dapp Wallet Outbound Transfers. When you send Digital Assets from your Dapp Wallet to an external wallet (“Dapp Wallet Outbound Transfers”), such transfers are executed at your instruction. You should verify all transaction information prior to submitting instructions. the Operator shall bear no liability or responsibility in the event you enter an incorrect blockchain destination address, incorrect Destination Tag/Memo, or if you send your Digital Assets to an incompatible wallet. We do not guarantee the identity or value received by a recipient of a Dapp Wallet Outbound Transfer. Dapp Asset Transfers cannot be reversed once they have been broadcast to the relevant Digital Asset network, although they may be in a pending state, and designated accordingly, while the transaction is processed by network operators. the Operator does not control the Digital Asset network and makes no guarantees that a Dapp Transfer will be confirmed by the network. We may cancel or refuse to process any pending Dapp Wallet Outbound Transfers as required by law or any court or other authority to which the Operator is subject in any jurisdiction. Additionally, we may require you to wait some amount of time after completion of a transaction before permitting you to use further Platform Services and/or before permitting you to engage in transactions beyond certain volume limits.

3. Limitation of Liability. WE MAKE NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, ABOUT LINKED THIRD PARTY SERVICES, THE THIRD PARTIES THEY ARE OWNED AND OPERATED BY, THE INFORMATION CONTAINED ON THEM, ASSETS AVAILABLE THROUGH THEM, OR THE SUITABILITY, PRIVACY, OR SECURITY OF THEIR PRODUCTS OR SERVICES. YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM YOUR USE OF THIRD-PARTY SERVICES, THIRD-PARTY WEBSITES, APPLICATIONS, OR RESOURCES, INCLUDING RISK OF LOSS FOR ASSETS TRADED THROUGH SUCH THIRD-PARTY SERVICES. IN NO EVENT WILL the Operator BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATING TO THIRD PARTY SERVICES. THIS SECTION OPERATES IN ADDITION TO ANY LIMITATION OF LIABILITY EXPRESSED ELSEWHERE IN THIS USER AGREEMENT.

7. the Operator Verifications
“the Operator verifications” is a service that leverages the Ethereum Attestation Service to enable the issuance of the Operator-verified, onchain attestations against predefined schemas relating to individual Platform customers (each, a “the Operator Attestation”). These onchain attestations may be used by eligible Platform customers to help establish identity and reputation when interacting with certain decentralized applications onchain. A the Operator Attestation issued to you will be stored onchain, and therefore will be public and viewable by anyone. If you do not wish to share this personal information with others by making it publicly available onchain, do not use the the Operator verifications service. Once a the Operator Attestation has been issued to you, a record of the attestation may persist in the Ethereum Attestation Service even if you revoke the the Operator Attestation through your the Operator account.

1. Eligibility. In order to use the the Operator verifications service, you must (a) have a registered the Operator account, (b) have successfully completed identity verification on your account, and (c) be in good standing and eligible to transact on the the Operator platform. We reserve the right to not offer the the Operator verifications service to you at our discretion. Not in limitation of the foregoing, we may refuse to offer the the Operator verifications service to you if the information you provided to create a the Operator account (as described in the “Issuance” section below) is incomplete, inaccurate, or incorrect, or if you violate these terms, violate applicable law, or engage in behavior that harms our Services (for example, by engaging in fraudulent activity or attempting to circumvent our User Agreement or policies). We may also refuse to offer the the Operator verifications service to you if your the Operator account is subject to any type of limitation or review.

2. Issuance. By using the “the Operator verifications” service and having a the Operator Attestation issued, you acknowledge that the Operator may use some or all of the personal information you provide to us, including the information you provided when you opened your the Operator account and information we collect in accordance with our Privacy Policy from your usage of any Services, to issue one or more the Operator Attestations.

If you choose to have a the Operator Attestation issued to you, you acknowledge that personal information or information derived from your personal information will be stored onchain, and therefore will be public and viewable by anyone.

You agree that all the information you provide the Operator in order to have a the Operator Attestation issued on your behalf is complete, accurate and correct. A the Operator Attestation relies on the completeness, accuracy and correctness of information provided by you, which you are ultimately responsible for. A the Operator Attestation is a representation of the underlying information about you and/or your the Operator account as of a specific point of time, and does not necessarily reflect any subsequent changes to such information. the Operator will assume for all intents and purposes that you own and control the private keys associated with the self-hosted wallet that you specify for receipt of any the Operator Attestation that we issue to you, including for purposes of any tax reporting obligations that the Operator may become subject to as a result of any reward or other value that is distributed to such self-hosted wallet in connection with such the Operator Attestation. By using the the Operator verifications service, you further agree that you will not transfer the the Operator Attestation to any third party.

A the Operator Attestation may also be based on data supplied to the Operator by third parties, including government agencies, third party suppliers of identity verification services and others. Those third parties may change or may, due to change in laws or other reasons, change their policies or services. Therefore, we may be required to amend the provision and scope of any the Operator Attestation and the corresponding schema, and may do so at any time at our discretion without notice.

3. Use. Certain decentralized applications (each, a “Dapp”) may provide you with access to their applications because you are a holder of one or more the Operator Attestations. If you do not wish to share any of the personal information that may be contained in a the Operator Attestation, then do not use the the Operator verifications service. We reserve the right to modify the scope of any the Operator Attestation and the corresponding schema at any time without notice.

Unless otherwise specified, the Operator does not have any affiliation with any Dapp that you may gain access to by virtue of holding one or more the Operator Attestations, and your use of any such Dapp will be subject to terms and conditions that are between you and the Dapp. Third-party service providers may offer certain products or services that leverage one or more the Operator Attestations, for example, a “badge” or “checkmark” generated in reliance on a the Operator Attestation. Your use of such third party products or services may be subject to your acceptance of, and compliance with, separate terms and conditions with such third parties, to which the Operator is not a party. You acknowledge that the Operator has no responsibility for the products or services provided by third parties.

the Operator Attestations are non-transferrable and for your personal use only. You may not impersonate another user or entity in order to obtain a the Operator Attestation. Purchasing, selling, lending, or renting a the Operator Attestation is strictly prohibited. If you transfer the private keys associated with the self-hosted wallet to which a the Operator Attestation has been issued to a third party, we reserve the right to revoke such the Operator Attestation and take such other action with respect to your Platform Account as we deem appropriate and/or necessary in our sole discretion.

Any the Operator Attestation that is issued to you is provided for informational purposes only and unless otherwise expressly specified by the Operator, is not intended to be relied upon for any legal, compliance or contractual purpose. You acknowledge and agree that any such reliance by you will be at your own risk, and the Operator disclaims any and all liability to you or any other third party that may result from such reliance.

Any the Operator Attestation represents the status of your the Operator account as of the time of issuance, and subsequent changes to the status of your the Operator account that result in such attestation no longer being true may not be reflected immediately in the Ethereum Attestation Service. Therefore, the Operator does not represent, warrant or guarantee that the information contained in any attestation or represented thereby is complete, accurate, or correct. Additionally, you should be aware that the specific processes that the Operator uses to verify the identities of its customers may differ by jurisdiction.

4. Invalidation. We reserve the right to revoke a the Operator Attestation that we have issued to you at our discretion, without notice. We may revoke a the Operator Attestation if the information that was originally used to issue it is or becomes incomplete, inaccurate, or incorrect, or if you violate these terms, violate applicable law, or engage in behavior that harms our Services (for example, by engaging in fraudulent activity or attempting to circumvent our User Agreement or policies). We may also revoke a the Operator Attestation that we have issued to you if your the Operator account is subject to a limitation or review, or if we are required to do so in order to comply with a legal requirement or court order.

If you choose to use third party products or services that use or rely upon one or more the Operator Attestations, like a “badge” or “checkmark”, access to such products or services may be disabled without notice.

5. Limitation of Liability. This section operates in addition to any limitation of liability or warranties expressed elsewhere in this User Agreement.

the Operator is not liable for any loss, including, for example, a loss of property, profits, revenues, business opportunities, goodwill, or anticipated savings made in reliance on the the Operator verifications service or any the Operator Attestation issued thereunder. We are also not liable for indirect or consequential losses, nor are we liable for punitive damages. This limitation of liability extends to our officers, directors, agents, joint venturers, employees, and representatives.

If you are a resident of New Jersey, this limitation of liability is intended to apply only to the extent permitted by New Jersey law.

To the extent allowed by law, the the Operator verifications service and any the Operator Attestation issued thereunder are provided “as is.” No promises should be implied (including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement). For example, we don’t make any warranties about the content or features of a the Operator Attestation, including its accuracy, reliability, availability, or ability to meet your needs. the Operator does not represent, warrant or guarantee that the information used to issue a the Operator Attestation is complete, accurate or correct and, accordingly, we do not represent or warrant or guarantee that a the Operator Attestation is complete, accurate or correct.

8. the Operator Wrapped Tokens

8.1.  Sending the Operator Wrapped Tokens.  In some jurisdictions, you may choose to effectuate an Outbound Transfer of a native Digital Asset for which the Operator provides wrapping services in accordance with the terms herein (each a “Wrappable Native Token”) to an external wallet on a supported protocol, by directing the Operator to wrap such Wrappable Native Token into a token that is compatible with such protocol. To wrap your Wrappable Native Token and complete an Outbound Transfer of the corresponding the Operator wrapped token (each, a “the Operator Wrapped Token”), you will need to be a Platform customer with a Platform Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change.  By electing to wrap your Wrappable Native Token into a corresponding the Operator Wrapped Token, you understand and agree that:


8.1.1. the Operator Wrapped Tokens cannot be held on the the Operator platform, and are only made available to you by the Operator in connection with an Outbound Transfer of a corresponding Wrappable Native Token to an external wallet on a supported protocol.  Any the Operator Wrapped Token deposited to your Digital Asset Wallet from an external wallet address will be automatically converted to a corresponding Wrappable Native Token in accordance with, and subject to the conditions set forth in, Section 8.3 of this Appendix 4.


8.1.2.  Requests to wrap your Wrappable Native Token and effectuate an Outbound Transfer of a corresponding the Operator Wrapped Token to an external wallet may not be processed immediately.  Once wrapped, you cannot redeem your the Operator Wrapped Token for a corresponding Wrappable Native Token except as described in Section 8.3 below.


8.1.3. Each the Operator Wrapped Token represents ownership of a corresponding Wrappable Native Token held by the Operator in accordance with Section 8.1.5 of this Appendix 4.  By wrapping your Wrappable Native Token in order to effectuate an Outbound Transfer of a corresponding the Operator Wrapped Token to an external wallet on a supported protocol, you remain (for so long as you hold the the Operator Wrapped Token) entitled to all of the economic value and risk of an underlying Wrappable Native Token.


8.1.4. Selling or otherwise transferring a the Operator Wrapped Token automatically transfers ownership of an underlying Wrappable Native Token and the right to redeem described in Section 8.3 below, and entitles the recipient to the attendant economic value and risk of an underlying Wrappable Native Token, subject to the terms of this Agreement.


8.1.5.  Wrappable Native Tokens that have been wrapped as the Operator Wrapped Tokens are held by the Operator as custodial assets for the benefit of holders of such the Operator Wrapped Tokens, and ownership of and title to these assets shall remain with such holders and not transfer to the Operator. Sections 2.7, 2.7.1, 2.7.2, 2.7.3, and 2.7.4 of the User Agreement shall apply, mutatis mutandis, to any Wrappable Native Token held on behalf of holders of a corresponding the Operator Wrapped Token to the same extent as any Wrappable Native Token held by the Operator on behalf of Platform customers.


8.1.6. the Operator Wrapped Tokens are ERC-20 tokens and may be compatible with protocols or other software or technology provided by third parties.


8.2.  Certain Risks.  In addition, you understand, agree and accept the following risks associated with electing to wrap any Wrappable Native Token into a corresponding the Operator Wrapped Token:


8.2.1. the Operator does not guarantee the value of a Wrappable Native Token held on behalf of holders of a corresponding the Operator Wrapped Token.


8.2.2. the Operator is not responsible for any change in the value of a Wrappable Native Token held on behalf of holders of a corresponding the Operator Wrapped Token.


8.2.3. The external price of a the Operator Wrapped Token could diverge from the price of a corresponding Wrappable Native Token because of market fluctuations, which may be affected by the actions or inactions of market makers or other market participants who receive loans or other incentives to purchase the the Operator Wrapped Token.  In case of a significant price dislocation, the Operator may exercise its right to pause redemptions in accordance with Section 8.3.3 of this Appendix 4.


8.2.4. the Operator does not guarantee that wrapping a Wrappable Native Token will result in a successful exchange or sale of a corresponding the Operator Wrapped Token, and the Operator will not have any obligation to backstop or otherwise intervene to guarantee liquidity of such the Operator Wrapped Token.


8.2.5.  the Operator does not guarantee the security or functionality of any third-party protocol, software or technology intended to be compatible with a the Operator Wrapped Token and is not responsible for any losses of any the Operator Wrapped Token due to the failure of third-party protocol, software or technology.


8.2.6.  As with the protocols for other Digital Assets, the Operator does not own or control the underlying protocols which govern the operation of any the Operator Wrapped Token.  Accordingly, all the Operator Wrapped Tokens are subject to Section 2.6 of the User Agreement, like other Digital Assets.


8.2.7.  As with other Digital Assets, a the Operator Wrapped Token could be impacted by one or more regulatory actions, which could impede or limit the services we can provide with respect to such the Operator Wrapped Token.


8.3. Unwrapping/Redemption of a the Operator Wrapped Token


8.3.1.  If you initiate an Inbound Transfer of a the Operator Wrapped Token to your Digital Asset Wallet and you satisfy the eligibility requirements set forth in Section 8.3.2 below, the Operator will automatically “unwrap” such the Operator Wrapped Token and deposit a corresponding Wrappable Native Token to your Digital Asset Wallet, thereby redeeming your the Operator Wrapped Token for a corresponding Wrappable Native Token.


8.3.2.  To successfully complete an Inbound Transfer of a the Operator Wrapped Token to your Digital Asset Wallet, you will need to be a Platform customer with a Platform Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change. Requests to complete an Inbound Transfer of a the Operator Wrapped Token to your Digital Asset Wallet (which, for the avoidance of doubt, will result in the Operator “unwrapping” such the Operator Wrapped Token and depositing a corresponding Wrappable Native Token to your Digital Asset Wallet as described in Section 8.3.1 above) may not be processed immediately.


8.3.3.  Additionally, the Operator may, in our reasonable discretion, (i) pause redemptions of any the Operator Wrapped Token for a corresponding Wrappable Native Token if there is a significant dislocation in the external market price of such the Operator Wrapped Token relative to a corresponding Wrappable Native Token that, in the Operator's sole discretion, suggests that the smart contracts or other technology or security features supporting such the Operator Wrapped Token have been compromised, (ii) refuse a redemption request if we suspect that the the Operator Wrapped Token being presented for redemption was acquired through fraudulent means, or (iii) pause redemption if we otherwise suspect that the security of the smart contracts used to mint and burn the applicable the Operator Wrapped Token has been compromised.


8.3.4.  Pursuant to the terms of this Agreement, a holder of a the Operator Wrapped Token holds an ownership interest in a corresponding Wrappable Native Token custodied by the Operator in accordance with Section 8.1.5 above.  In the event of a shortfall in the amount of the Wrappable Native Token that has been wrapped as a the Operator Wrapped Token and held by the Operator in accordance with Section 8.1.5 above, the Operator’s liability vis-a-vis any holder of such the Operator Wrapped Token will be limited to such holder’s pro rata share of the shortfall amount.


8.4. Additional Terms.


8.4.1.  Fees.  the Operator may charge a fee in connection with a request to mint or unwrap/redeem a the Operator Wrapped Token, and any such fee will be disclosed to you at the time you initiate such request.  Any changes to such fees will be effectuated in accordance with Section 3.3 of the User Agreement.


8.4.2.  No support for wrapped the Operator Wrapped Tokens.  We reserve the right to treat any version of a the Operator Wrapped Token that has been created by a third party (e.g., via a third party wrapper or bridge to an unsupported network) (“Third Party Wrapped Token”) as an unsupported Digital Asset in accordance with Section 2.3 of the User Agreement.  That means that we may refuse or be unable to redeem any Third Party Wrapped Token that is sent to your Digital Asset Wallet for the corresponding Wrappable Native Token, which may result in irreversible loss of such Third Party Wrapped Token. Do not send Third Party Wrapped Tokens to your Digital Asset Wallet.

9. the simulated card feature

1. the simulated card feature. If you are an eligible the membership feature member, you will have the option to apply for a the membership feature credit card. Some eligible the membership feature members will be offered the simulated card feature (“the simulated card feature”). The the simulated card feature, including the simulated card feature, is issued by the issuing provider (“the simulated card feature”). The issuance of a simulated card feature to a the membership feature member is subject to approval; not every the membership feature member will be approved. If you are approved for the simulated card feature, you must agree to the relevant Cardholder Agreement (defined below) with the issuing provider. You must agree to this User Agreement, including these the simulated card feature terms (“the simulated card feature Terms”), which govern your relationship with the Operator. The the simulated card feature may not be available in all states, and eligibility is subject to change.

1.1. Cardholder Agreement. The the simulated card feature and the simulated card feature are governed respectively by the simulated card feature Cardholder Agreement (“the simulated card feature Agreement”) and the simulated card feature Cardholder Agreement (“the simulated card feature Agreement”).  The the simulated card feature Agreement and the simulated card feature Agreement, as applicable, are referred to as the “Cardholder Agreement”.  the Operator is not a party to the Cardholder Agreement. These the simulated card feature Terms summarize certain features of the simulated card feature and provide certain additional terms concerning your relationship with the Operator. In the event of a conflict between the User Agreement (including these the simulated card feature Terms) and the Cardholder Agreement, the provisions of the Cardholder Agreement shall govern.

1.2 the simulated card feature. If you apply for the simulated card feature and do not otherwise qualify, you may be given the option to designate USDC in your Digital Asset Wallet, or USDC that you will purchase, as secured for purposes of the simulated card feature (the “Secured USDC”). As provided in Section 2.7.2 of this User Agreement, all Supported Digital Assets credited to the Digital Asset Wallet, including Secured USDC, are treated as “financial assets” under Division 8 (defined above). Moreover, the Operator is a “securities intermediary” as used in Division 8 with respect to Supported Digital Assets, and your Digital Asset Wallet is a “securities account” as used in Division 8.

If you designate Secured USDC for purposes of the simulated card feature, you direct us to maintain custody of the Secured USDC consistent with the simulated card feature Agreement, and you authorize us as securities intermediary, without further consent from you, to comply in all respects with the instructions and entitlement orders regarding the Secured USDC from the issuing provider and its successors and assigns as well as any party designated by the issuing provider or its successors and assigns (the “Control Party”). The Control Party will initially be the card-program provider ("the card-program provider”). Such instructions may include transferring the Secured USDC to the issuing provider (or its successors or assigns) or the Control Party or selling the Secured USDC, in the event of a default or your account is otherwise closed in accordance with the simulated card feature Agreement.

SIMULATION-ONLY NOTICE
Any deposits will be taken as a donation and your simulated balance will be refilled. This is a simulated environment and no real withdrawals or deposits. It's for fun, LARPing, also known as role-playing.


As detailed in the simulated card feature Agreement, any Secured USDC will not be eligible for withdrawal, transferring, lending, selling, or trading until your simulated card feature account is closed and any amounts owed are satisfied in full.  In general, Secured USDC will be released within two (2) Business Days of the Operator receiving an instruction or entitlement order from the issuing provider (or its successors or assigns) or the Control Party, but it may take longer for the Secured USDC to be released to you. In the event your simulated card feature account is closed for any reason (for example, you voluntarily close your account or you are in default), the issuing provider (or its successors or assigns) or the Control Party may take possession of your Secured USDC and apply the proceeds of a sale or liquidation to the outstanding amount owed with respect to your simulated card feature account without notice to you. As detailed in the simulated card feature Agreement, if your Secured USDC and the proceeds thereof are not sufficient to cover all amounts owed in connection with your simulated card feature account, you remain responsible for the remaining unpaid amounts, including in the event a dispute is not resolved in your favor, your balance is greater than your credit line, the value of USDC fluctuates, or you are subject to a Legal Order (defined below).

In the event of a third party garnishment, levy, lien, security interest, or legal order to transfer any Supported Digital Assets in the Digital Asset Wallet to a third party (collectively, “Legal Order”), the Operator will subject to law generally first transfer your unsecured Supported Digital Assets (or the proceeds thereof) to satisfy such Legal Order; and if your unsecured Supported Digital Assets are insufficient to satisfy the Legal Order, the Operator may transfer your Secured USDC (or the proceeds thereof) to a third party.  Subject to law, your Secured USDC and the proceeds thereof will typically be first applied to any balance or amount owed with respect to your simulated card feature before being transferred to satisfy a Legal Order, as provided in your simulated card feature Agreement.  You authorize any such transfer to a third party or sale or liquidation in connection with or in response to a Legal Order, and acknowledge that any such transfer, sale, or liquidation will not relieve you of any liability with respect to the simulated card feature account.

1.3. Role of the simulated card feature. The the simulated card feature can be used to purchase goods and services from merchants at point of sale terminals, over the phone, online, or through payment platforms that accept American Express cards (“Credit Card Transactions”). However, the approval of any specific Credit Card Transaction is subject to the terms and conditions in the Cardholder Agreement. Please review the Cardholder Agreement for such terms and conditions.

1.4. Platform Accounts Linked. Your USD Wallet and Digital Asset Wallet will be linked to your simulated card feature. If you have a simulated card feature, you may make payments towards your simulated card feature balance using your USD Wallet and your Digital Asset Wallet, and to the extent you are eligible, bitcoin rewards (or other Digital Asset rewards we offer from time to time) will be deposited into your Digital Asset Wallet. See Rewards Program below and the simulated card feature Rewards Program Terms & Conditions for more information.

2. Applying for the simulated card feature. If you apply for a simulated card feature, you will be required to provide certain personal information. You agree that we may share personal information you previously provided to us with the issuing provider, the card-program provider, and with any other service provider acting on the issuing provider’s behalf for purposes of processing your application for a simulated card feature, servicing your simulated card feature account, and providing you benefits in connection with your simulated card feature or your the membership feature member account. If you do not meet the issuing provider’s credit underwriting criteria, they are unable to verify your identity, or you otherwise do not meet the issuing provider’s standards or criteria, your application will be declined.

3. Activating the simulated card feature. If you are approved for a simulated card feature, you must activate the simulated card feature in accordance with the activation instructions provided by the issuing provider. A virtual the simulated card feature may be used immediately upon receipt and does not need to be activated.

4. Using the simulated card feature.

4.1. Pursuant to the terms of your Cardholder Agreement, you may use the simulated card feature to make various Credit Card Transactions.

4.2.  As provided for in the  Cardholder Agreement, you may only use the simulated card feature for personal, family, and household purposes and not for any business purposes.

4.3. You agree that you will use the simulated card feature in accordance with the Cardholder Agreement, the User Agreement, and these the simulated card feature Terms.

5. Unauthorized Transactions or Errors. If your simulated card feature is lost, stolen, or used without your permission, call the Operator Customer Service right away using the phone number listed in the Cardholder Agreement.

6. Fees and Charges. In order to be a simulated card feature cardholder you must have an active, paid eligible the membership feature membership. the membership feature members must pay a subscription fee. For the membership feature Basic, an annual plan is required. You can find the subscription fee for the membership feature membership on our member home. When we perform the Digital Asset Services, the Operator will not charge transaction fees but will include a spread, including on payments towards your simulated card feature balance made with your Digital Asset Wallet, in accordance with this User Agreement. You can find a list of our fees and charges on our Pricing and Fees Disclosures page which are separate from any fees and charges included in your simulated card feature Agreement. The fees associated with your simulated card feature are described in your Cardholder Agreement and the “Interest Rates and Interest Charges” disclosures that were provided to you in connection with your account.

7. Returns and Refunds. Any return or refund shall be governed in accordance with your Cardholder Agreement and the rules of the American Express network. If you are entitled to a refund, it will be applied to your balance or as otherwise provided for in your Cardholder Agreement.

8. Rewards Program. the simulated card feature cardholders upon activation will be automatically enrolled in the simulated card feature rewards program (“the simulated card feature Rewards Program”). You may be eligible through the simulated card feature Rewards Program to earn bitcoin or other Supported Digital Assets that we offer from time to time for eligible purchases. Refer to the simulated card feature Rewards Program Terms & Conditions for the terms concerning the simulated card feature Rewards Program.

9. Information Regarding the simulated card feature Transactions and Rewards. You may find details regarding Credit Card Transactions that you have made or that are otherwise associated with your simulated card feature on your monthly statements and in the simulated card feature portal of the Platform Site (“the simulated card feature Portal”). You may also find details regarding rewards you have earned in connection with the simulated card feature Rewards Program in the simulated card feature Portal.

10. Restriction, Suspension, and Cancellation. As provided for in the Cardholder Agreement, the issuing provider may restrict, suspend, or cancel your access to the simulated card feature at any time and for any reason in its sole discretion. It may also refuse any transaction in its sole discretion. This includes if we determine in our sole discretion that you are in breach of the terms of the User Agreement. If you are no longer a the membership feature member, your simulated card feature account will be closed.

11. the Operator Liability. This section operates in addition to any limitation of liability expressed elsewhere in this User Agreement. In addition to any limitation of liability therein, the Operator will not be liable to you for any loss arising from:

A merchant refusing to accept a simulated card feature;

The goods or services that you purchase from a merchant using a simulated card feature (however, you have rights in certain situations with respect to the issuing provider as specified in the billing-error rights statement that was provided with your Cardholder Agreement);

Any breach by the Operator of the User Agreement due to abnormal or unforeseen circumstances beyond the Operator’s reasonable control, which would have been unavoidable despite the Operator’s efforts to stop it;

the issuing provider restricting, suspending, or terminating a simulated card feature or refusing to issue or replace a simulated card feature;

the issuing provider declining a Credit Card Transaction that you make or attempt to make using a simulated card feature;

the Operator restricting, suspending, or terminating your USD Wallet, Digital Asset Wallet, or any related Platform Services; or

the Operator’s compliance with any applicable laws and regulations or a Legal Order; or

the Operator properly following the instructions of the issuing provider (or its successors or assigns) or the Control Party with respect to any Secured USDC subject to the simulated card feature or otherwise adhering to the simulated card feature Agreement with respect to the Secured USDC.

Where a simulated card feature is faulty, the Operator’s liability shall be limited to assisting with the replacement of the physical the simulated card feature.

10. the Operator Token Sale Platform
the Operator makes available a platform (the “Token Sale Platform”) where developers of certain digital assets (“Sellers”) will be able to sell those digital assets (“Sale Tokens”) to eligible users (such sales, “Sales”) (together the “Token Sale Services”).  By accessing the the Operator Token Sale Platform and purchasing Sale Tokens, you agree to be bound by these additional terms (“Token Sale Terms”).

10.1. Role of the Token Sale Terms. These Token Sale Terms govern the basis upon which the Operator will provide you with the Token Sale Services and your use of those Token Sale Services, including within the Platform Site. These Token Sale Terms should be read in conjunction with this User Agreement.

10.2. Where to Find Information.  The Token Sale Platform for a particular Sale will display certain information related to the Sale, such as the price per Sale Token or the manner of determining price, the minimum and maximum allocation to each purchaser, the manner of allocation, the Supported Digital Assets that are eligible for use as payment, and the start date (the “Opening Date”) and end date (the “Closing Date”) from and to which the Sale Tokens will be available for sale. Prices for tokens on the Token Sale Platform may be displayed in fiat or Supported Digital Assets, but will be payable only in the Supported Digital Assets that are eligible for use as payment.

10.3. Purchasing Sale Tokens. To place an order to purchase Sale Tokens, you must have the required amount of eligible Supported Digital Assets in your Platform Account to complete such purchase. On the Opening Date, the Operator will allow you to commit an amount of eligible Supported Digital Assets determined by you to purchase the relevant Sale Tokens, which will be subject to minimum and maximum allocations and any restrictions you place on your order, if applicable. Such orders constitute a standing specific instruction from you to execute an order to purchase Sale Tokens on the Token Sale Platform.

10.4. Committed Digital Assets. Any Supported Digital Assets that are necessary to fulfill your purchase obligation in full will be committed from the time you place your order (“Committed Digital Assets”). When you place an order on the Token Sale Platform, you authorize the Operator to lock these Committed Digital Assets until completion of the Sale in a Digital Asset Wallet designated to your Platform Account. For the avoidance of doubt, Committed Digital Assets will be treated as “financial assets” under Division 8 of the California Uniform Commercial Code pursuant to Section 2.7.2 of this User Agreement. Your Committed Digital Assets are a request for Sale Tokens and your allocation request may not be filled in its entirety, or at all. The maximum allocation that you can request may be dependent on eligibility. You acknowledge and agree that you will not be able to transfer or withdraw any of the Committed Digital Assets, or modify your request, until the earlier of: (a) the cancellation of the Sale process pursuant to Section 10.7; or (b) the final allocation of Sale Tokens pursuant to Section 10.5, in which case, if you did not receive your full allocation, you will be free to transfer or withdraw the amount of Committed Digital Assets that were not used to purchase Sale Tokens.

10.5. Sale Completion / Allocation. Following the Closing Date, unless the Sale has been cancelled pursuant to Section 10.7, the Operator will credit your Digital Asset Wallet with the Sale Tokens you have been allocated and purchased from the Seller, and transfer the corresponding value of Committed Digital Assets to the Seller. Sale Tokens credited to your Digital Asset Wallet are treated as Supported Digital Assets and subject to Section 2.7 of this User Agreement.

10.6. Fees. the Operator may charge a fee in connection with your order to purchase Sale Tokens and by placing an order on the Token Sale Platform, you agree to pay all applicable fees. To the extent any fee is charged in connection with the Token Sale Platform, information is available here and will be disclosed to you at the time you place such order.

10.7. Sale Cancellation. The Seller or the Operator may cancel a Sale after it has begun, in which case, to the extent the Operator is holding any of your Committed Digital Assets, the Operator will release such Committed Digital Assets within 25 calendar days from the date of the Sale cancellation, and such assets shall cease to be committed to the relevant Sale and you will be able to transfer or withdraw them.

10.8. Transaction counterparties. In a Sale, you are purchasing Sale Tokens directly from the Seller. Sale Tokens are priced by the Seller. You acknowledge and agree that the Operator is not the seller, underwriter, or issuer of any Sale Tokens, and by purchasing Sale Tokens, you are entering into an agreement (the terms of which may be displayed on the Token Sale Platform) to purchase the Sale Tokens from Seller. the Operator is not responsible for any failure by the Seller to comply with the terms of any agreement between you and the Seller, whether set forth on the Token Sale Platform or in other terms provided by the Seller or its related parties.

10.9. Sale Disclosures. Certain information regarding the Seller and/or Sale Tokens (including but not limited to a whitepaper, description of the Sale Tokens or any associated protocol, or other disclosure materials) may be provided on the Platform Site in connection with a Sale (“Sale Disclosures”). The content of the Sale Disclosures is provided by Seller and is for general informational purposes only. the Operator does not verify information provided by Seller on the Sale Disclosures and makes no assurance, representations or warranties, express or implied, regarding the accuracy, completeness, or sufficiency of the information provided and shall have no liability for any inaccuracies in such materials.

10.10. Exclusion of Warranties. Without limitation of Section 8.2 of these Terms, the Operator makes no warranty with respect to any Sale Tokens, including any warranty of title, merchantability, fitness for a particular purpose and/or non-infringement, that the Sale Tokens will be free from errors, glitches, bugs, viruses or other malicious software, that the Sale Tokens or any associated protocol will function as described in any materials provided by the Seller or that any associated protocol will launch, that Seller has complied with applicable law in connection with the issue, development, or sale of the Sale Tokens, or that the use of Sale Tokens or any associated protocol will comply with applicable law. the Operator does not guarantee that there will be a market in Sale Tokens or that Sale Tokens will maintain any specific price level. the Operator may cease to support any Sale Tokens (as Supported Digital Assets) following the delivery thereof to your Platform Account, and in that case you may need to withdraw your Sale Tokens. Without limiting the foregoing, you assume all risks and liabilities associated with the purchase, sale or use of any Sale Tokens. You are encouraged to consult your own independent advisors before making any decisions based on the content of the Platform Site.

10.11. Limitation of Liability. the Operator MAKES NO WARRANTIES OR REPRESENTATIONS, EXPRESS OR IMPLIED, ABOUT SELLERS AND THEIR ASSOCIATED PERSONS, SALE TOKENS, THE ASSOCIATED PROTOCOLS, ASSETS AVAILABLE THROUGH THEM, OR THE SUITABILITY, PRIVACY, OR SECURITY OF THEIR PRODUCTS OR SERVICES OR ANY INFORMATION PROVIDED BY ANY OF THEM INCLUDING, BUT NOT LIMITED TO, THE SALE DISCLOSURES (“THIRD PARTY SERVICES”). YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM YOUR USE OF THIRD-PARTY SERVICES, THIRD-PARTY WEBSITES, APPLICATIONS, OR RESOURCES, INCLUDING RISK OF LOSS FOR ASSETS UTILIZED WITHIN OR TRADED THROUGH SUCH THIRD-PARTY SERVICES. IN NO EVENT WILL the Operator BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATING TO THIRD PARTY SERVICES. THIS SECTION OPERATES IN ADDITION TO ANY LIMITATION OF LIABILITY EXPRESSED ELSEWHERE IN THIS USER AGREEMENT.

10.12. Eligibility. In order to use the Token Sale Platform, you must (a) have a registered the Operator account, (b) have successfully completed identity verification on your account, and (c) be in good standing and eligible to transact on the the Operator platform. We reserve the right to not offer the Token Sale Platform to you at our discretion. Your eligibility to purchase Sale Tokens in any particular Sale will be based on criteria determined by the Operator and the Seller in such Sale, and may be different for different Sales.

10.13. Connected Persons. You may not place an order for Sale Tokens if you are an employee, officer, director or contractor of the Seller, its affiliates, or any other entity involved in the development of the Sale Tokens or any associated protocol.

10.14. Information Disclosure. By using the Token Sale Platform, you acknowledge that the Operator may share certain information with the Seller for purposes related to the sale and delivery of the Sale Tokens, or as required in accordance with our Privacy Policy.

10.15. Prohibited Use. Your participation in a Sale is subject to our Prohibited Use Policy. In addition, you must not participate in a Sale in a manner which is unfair, abusive, manipulative, or illegal in any way. If you receive information which may amount to inside information in connection with any Sale, you may not participate in that Sale, and you must not unlawfully disclose that information to another person.

11. Equities Trading Through the brokerage provider
Equities trading is made available in the United States through the brokerage provider (“CCM”) member FINRA /SIPC ([applicable information page] Securities services offered by the brokerage provider are separate from digital asset services provided by the Operator, and any affiliates. Additional information about your broker, the brokerage provider, can be found on FINRA’s BrokerCheck ([applicable information page] Execution, clearing and custody of all securities are provided by CCM’s carrying broker - the clearing provider.

11.1. Where to Find Information. Additional information related to CCM, equities trading, any fees, and the role of the clearing provider - including a copy of your CCM Customer Agreement, and related documents and disclosures - can be found at [applicable information page] Operator.com/ccm.

11.2. USD Wallet. SIPC does not apply to digital assets or cash held in your USD Wallet. To the extent your USD is held as cash, the balance of your USD Wallet is maintained in pooled custodial accounts at one or more financial institutions insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Share Insurance Fund (“NCUSIF”). the Operator may also place your funds in liquid investments, which may include but are not limited to U.S. treasuries or U.S. government money market funds, in accordance with state money transmitter laws. Your funds may be held in any one of these manners. Our custodial cash accounts have been established in a manner to make available pass-through FDIC or NCUSIF insurance available up to the per-depositor coverage limit then in place (currently $250,000 per individual). Availability of pass-through insurance is contingent upon factors including the Operator having correct information about you as a customer and maintaining accurate records, and on the determination by the relevant federal regulator as receiver, at the time of a receivership of a bank or credit union holding a custodial account. The current list of the insured depository institutions at which the Operator may deposit customer funds is located here. the Operator is not an FDIC-insured bank or NCUSIF-insured credit union. the Operator owns the interest or other earnings on these investments. the Operator will not use customer funds for its operating expenses or any other corporate purposes. You agree that the Operator, acting in good faith and in the regular course of business, is the custodian of depository records for your cash held at financial institutions.

11.3. Trading Equities Through CCM. Where you maintain a brokerage account with our affiliate (“Brokerage Account”), CCM, you hereby agree to provide us (the Operator) with a standing instruction to receive from CCM’s clearing and carrying broker-dealer any free credit balance, including those derived from sale proceeds, cash dividends and interest, held in your Brokerage Account and a standing instruction for us to promptly process and transfer your cash funds held in your Account to CCM’s clearing and carrying broker-dealer to pay for securities purchases you effected through your Brokerage Account.

If you fail to pay for a security you purchase or fail to deliver a security you sell through CCM, you hereby authorize us, upon CCM’s demand for payment made to us and without notice to you, to use your property cover any losses that CCM may suffer as a result of your failure to pay for securities purchased or deliver securities sold, by using any property of yours under our control to make CCM whole, including liquidating any such property.

11.6. Eligibility. In addition to any eligibility criteria established by CCM, in order to use the equities trading platform, you must (a) have a registered the Operator account, (b) have successfully completed identity verification on your account, and (c) be in good standing and eligible to transact on the the Operator platform. We reserve the right to not offer equities trading to you at our discretion.

11.7. Customer Representations. You represent and warrant that you will promptly notify CCM if you are, or become, an officer, director, 10% shareholder, control person, or otherwise an affiliate of an issuer, or if any transactions involve securities that are restricted or control securities (including pursuant to Rules 144 or Rule 145). You agree not to effect transactions in restricted or control securities unless you have complied with all legal requirements and provided documentation reasonably requested by the Operator, CCM, or the carrying broker, including opinions of counsel, legend removal instructions, and seller’s representations. the Operator, in its sole discretion, may refuse to process, or may place restrictions on, such transactions until requirements are satisfied.

You represent and warrant that you are not, and have not been, designated by the U.S. Department of the Treasury Office of Foreign Assets Control (OFAC) as a “Specially Designated National” or blocked person.  You further represent and warrant that you have no reason to believe that you would be considered a blocked person, and that you are not acting as an agent of any such blocked person. You understand that the Operator and CCM will comply with economic sanctions administered by OFAC. You understand and agree that the Operator may restrict your ability to enter orders or otherwise transact in your account in order to comply with regulatory restrictions, trading halts, government sanctions, and government orders.

11.8. Information Disclosure. By using the equities trading platform, you acknowledge that the Operator may share certain information as required and in accordance with our Privacy Policy. Furthermore, by submitting an account application with CCM, you authorize the Operator to provide information about you and your account to the carrying broker, as required and necessary, and the carrying broker in its discretion may obtain your account documentation directly from you.

11.9. Prohibited Use. You agree to not to engage in manipulative or deceptive trading practices, as outlined in the CCM Customer Agreement, Section 15.3, a copy of which can be found at [applicable information page] Operator.com/ccm.

12. Direct Deposit
1. Eligibility and Enrollment.

If you are eligible for our Direct Deposit feature (“Direct Deposit”), and have completed identity verification, you may arrange to have all or part of your paycheck or any eligible federal or state government benefit or payment deposited  into your Platform Account.

1.1.  Enrollment.  You can enroll in Direct Deposit by providing your employer, payroll provider or applicable government payer with the virtual account and routing numbers we provide to you. The virtual account and routing number are provided solely to facilitate electronic receipt of payroll and eligible government payments into your Platform Account. The virtual account and routing number do not represent a bank account in your name. the Operator does not make any representations about your employment status by enrollment in Direct Deposit. The recipient's name on any direct deposits must match the name on your Platform Account. Your first direct deposit may take 2–3 payroll cycles to begin, as determined by your employer, payroll provider or applicable government payor. Please visit the Help Center for more details on enrolling in direct deposit.

1.2.  Payment Partners.  Direct deposits are processed via the Automated Clearing House (ACH) network. the Operator utilizes regulated financial institutions and third‑party payment processors (“Payment Partners”) to receive and process your direct deposit. By using Direct Deposit, you authorize the Operator and its Payment Partners to act as the receiving institution for your ACH credit entries under the NACHA Operating Rules and applicable law.

2.  Allocation and Conversion to Digital Assets.  You may elect to convert some or all of your direct deposit funds into a Supported Digital Asset. Not all Supported Digital Assets are available for Direct Deposit.  Each conversion is a purchase of the Supported Digital Asset at the price at the time of conversion on the Operator, and you authorize recurring purchases according to your allocations. You can change your allocations at any time.  Digital assets can appreciate or depreciate relative to US dollars (“USD”) and are not insured by the Federal Deposit Insurance Corporation (FDIC).  Please visit the Help Center for more information, including how USD balances are insured.

3.  Fees. We do not charge any fees to set up or maintain Direct Deposit and we will waive the the Operator trading fees on Digital Asset conversions associated with Direct Deposit. A spread may still apply to Digital Asset conversions. You are responsible for any fees incurred on subsequent transactions (see pricing and fee disclosures for more information).

4.  Funds Availability. The availability of your Direct Deposit funds is subject to the timing of your payer’s funding processes. Funds transferred via Direct Deposit will typically be available 3-5 business days (excluding Federal holidays) from the day your payer initiated the deposit, or sometimes sooner. Availability is not guaranteed and may vary by payer, third-party payroll provider used by your payer, and payroll schedule. Deposits may be delayed for federal or bank holidays or other processing delays that are out of our control.

5. Transfer Limits. We may, at our sole discretion, set limits or restrictions on the size or number of direct deposit transactions you can make. You can find the initial limits for Direct Deposit in the Help Center. We reserve the right to accept, reject or limit transfers via Direct Deposit in our sole discretion.

6. Reversals and Returns.  If a credited direct deposit is reversed or returned, the Operator will reverse the credit by debiting your Platform Account in the amount of the reversal and will recover such amount by applying funds in your Platform Account, including any payouts or credits due to you (including your next or subsequent direct deposit).

7. Transaction History. You may review your transaction history on the the Operator app to verify that each direct deposit has been received.

8. Modifications and Cancellation. You may make changes to your direct deposit amount or discontinue participating Direct Deposit at any time by submitting changes through your payroll provider or payer. Changes become effective only when processed by your payer and received by our Payment Partner, and typically take one to two payroll cycles to take effect. the Operator does not control your payer’s processing timelines and is not responsible for delays or missed deposits resulting from changes made with your payer.

9. Personal Information. You agree that we may share personal information you provided to us under our Privacy Policy with service providers and Payment Partners to verify identity and address, process deposits, manage risk, and comply with law.

10. Termination. We reserve the right to terminate your access to Direct Deposit, including the ability to access Direct Deposit funds early, for any reason.

11. Representations and Warranties. For tax refunds and other federal payments, you represent and warrant that the name and Social Security Number associated with each payment will match the name and Social Security Number associated with your Platform Account. For joint tax returns, the first‑listed filer must be the Platform Account holder.

13. the Operator Custom Stablecoins
13.1. Using the Operator Custom Stablecoins. In some jurisdictions, the Operator may make available to you the ability to mint (which may be displayed as ‘buy’), redeem (which may be displayed as ‘sell’), hold, or transfer certain Digital Assets that are issued by the Operator or its affiliates but bear the branding of third-party partners (each, a “CCS Partner”) (such Digital Assets, “CCS”). Each CCS is designed to be backed one-to-one by USDC (“Reserve Asset”).  To mint or redeem a CCS, you will need to be a Platform customer with a Platform Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change. By electing to mint a CCS, you understand and agree that:

13.1.1. Each CCS represents an ownership interest in a corresponding Reserve Asset held by the Operator in accordance with, and subject to the conditions set forth in Section 12.1.3 of this Appendix 4. By obtaining a CCS, you remain (for so long as you hold the CCS) entitled to all of the economic value and risk of the underlying Reserve Asset.

13.1.2. Selling or otherwise transferring a CCS automatically transfers ownership of an underlying Reserve Asset and the right to redeem described in Section 12.3 below, and entitles the recipient to the attendant economic value and risk of the Reserve Asset, subject to the terms of this Agreement.

13.1.3. The Reserve Asset backing a CCS is held by the Operator as a custodial asset for the benefit of holders of such CCS, and ownership of and title to these assets shall remain with the holders and not transfer to the Operator. Section 2.7, 2.7.1, 2.7.2, 2.7.3 and 2.7.4 of the User Agreement shall apply, mutatis mutandis, to any Reserve Asset held on behalf of holders of a corresponding CCS to the same extent as any Reserve Asset held by the Operator on behalf of Platform customers.

13.1.4. CCS are ERC-20 and/or SPL tokens and may be compatible with protocols or other software or technology provided by third parties.

13.2. Certain Risks. In addition, you understand, agree and accept the following risks associated with electing to mint, redeem, hold, or transfer any CCS:

13.2.1 CCS is not legal tender and is not backed by any government. CCS is not subject to protections or insurance provided by the Federal Deposit Insurance Corporation (FDIC) or the Securities Investor Protection Corporation (SIPC).

13.2.2. the Operator does not guarantee the value of a Reserve Asset held on behalf of holders of a corresponding CCS.

13.2.3. the Operator is not responsible for any change in the value of a Reserve Asset held on behalf of holders of a corresponding CCS.

13.2.4. The external price of a CCS could diverge from the price of a corresponding Reserve Asset because of market fluctuations or CCS Partner-specific risks. In case of a significant price dislocation, the Operator may exercise its right to pause redemptions in accordance with Section 12.3.2 of this Appendix 4.

13.2.5. the Operator does not guarantee that obtaining a CCS will result in a successful exchange or sale of such CCS, and the Operator will not have any obligation to backstop or otherwise intervene to guarantee liquidity of such CCS.

13.2.6. the Operator does not guarantee the security or functionality of any protocol, software, or technology intended to be compatible with a CCS and is not responsible for any losses due to the failure of any such protocol, software or technology.

13.2.7. As with protocols for other Digital Assets, the Operator does not own or control the underlying protocols which govern the operation of any CCS. Accordingly, all CCS are subject to Section 2.6 of the User Agreement, like other Digital Assets.

13.2.8. As with other Digital Assets, a CCS could be impacted by one or more regulatory actions, which could impede or limit the services we can provide with respect to such CCS.

13.2.9. the Operator does not guarantee the reputation, solvency or business continuity of the CCS Partner associated with a CCS. You acknowledge and agree that the value and utility of a CCS may be influenced by the actions, omissions, or public perception of the CCS Partner. the Operator is not responsible for any decrease in the value or utility of a CCS.

13.2.10. the Operator does not guarantee that a CCS will be accepted, recognized, or utilized for any specific goods, services, or ecosystem benefits. the Operator is not responsible for any change in the utility associated with a CCS.

13.2.11. the Operator reserves the right to terminate or suspend its arrangement with a CCS Partner or delist a CCS at any time. In such an event, the Operator may provide you with a period of time to convert your CCS into the underlying Reserve Asset or another Supported Digital Asset, as determined by the Operator.

13.3. Redemption of a CCS

13.3.1. To successfully redeem CCS, you will need to be a Platform customer with a Platform Account in good standing. Additional geographic restrictions may apply, and eligibility is subject to change. Requests to redeem CCS (which, for the avoidance of doubt, will result in the Operator converting such CCS and depositing the corresponding Reserve Asset to your Digital Asset Wallet on a 1:1 basis, minus any the Operator fees) may not be processed immediately.

13.3.2. Additionally, the Operator may, in our reasonable discretion, (i) pause redemptions of any CCS for a corresponding Reserve Asset if there is a significant dislocation in the external market price of such CCS relative to a corresponding Reserve Asset that, in the Operator’s sole discretion, suggests that the smart contracts or other technology or security features supporting such CCS have been compromised, (ii) refuse a redemption request if we suspect that the CCS being presented for redemption was acquired through fraudulent means, (iii) pause redemption if we otherwise suspect that the security of the smart contracts used to mint and burn the applicable CCS has been compromised, or (iv) refuse a redemption request if the arrangement with the CCS Partner has been terminated or suspended, or the CCS has been delisted.

13.3.3. Pursuant to the terms of this Agreement, a holder of a CCS holds an ownership interest in a corresponding Reserve Asset custodied by the Operator in accordance with Section 12.1.3 above. In the event of a shortfall in the amount of the Reserve Asset held by the Operator, the Operator’s liability vis-a-vis any holder of such CCS will be limited to such holder’s pro rata share of the shortfall amount.

13.4. Additional Terms

13.4.1. the Operator may charge a fee in connection with a request to mint or redeem a CCS, and any such fee will be disclosed to you at the time you initiate such request. Any changes to such fees will be effectuated in accordance with Section 3.3 of the User Agreement.

13.4.2. We reserve the right to treat any version of a CCS that has been created by a third party (e.g., via a third party wrapper or bridge to an unsupported network) (“Third Party Wrapped CCS”) as an unsupported Digital Asset in accordance with Section 2.3 of the User Agreement. This means that we may refuse or be unable to redeem any Third Party Wrapped CCS that is sent to your Digital Asset Wallet for the corresponding Reserve Asset, which may result in irreversible loss of such Third Party Wrapped CCS.  Do not send Third Party Wrapped CCS to your Digital Asset Wallet.

13.4.3. the Operator reserves the right to upgrade the CCS smart contracts at any time. In such event, we may require you to migrate your CCS to a new smart contract address. the Operator may take any technical steps necessary or appropriate to effectuate such upgrades for CCS held in your Digital Asset Wallet.

13.4.4. You understand and agree that the underlying software protocols may be subject to sudden changes in operating rules (including “forks”). In the event of a fork, the Operator may temporarily suspend CCS operations (including minting, redeeming, and transferring) without notice. the Operator will determine in its sole discretion which version of the underlying protocol to support, if any.

13.4.5. the Operator may freeze the CCS held in a Digital Asset wallet address as required by law or any court or other authority to which the Operator is subject in any jurisdiction.

13.4.6. If the CCS in your Digital Asset wallet address is frozen in accordance with Section 12.4.5 of this Appendix 4, you may be permanently unable to transfer or redeem any CCS associated with such address.

APPENDIX 5: DISPUTE RESOLUTION (INCLUDING ARBITRATION AGREEMENT; CLASS ACTION WAIVER; JURY TRIAL WAIVER; FORUM SELECTION CLAUSE)
Disputes Defined. “Disputes” are defined as any dispute, claim, or disagreement arising out of or relating in any way to our relationship with you, the Services, the Platform Site, any Communications you receive, any products or services sold or distributed through the Platform Site, or the User Agreement. The term “Disputes” is intended to be interpreted broadly. The provisions below describe which Disputes belong in arbitration, small claims court, or a court of general jurisdiction.

Pre-Filing Formal Complaint Requirement. Before an arbitration demand or small claims action is filed, you and we agree to exhaust the Formal Complaint Process. See Section 7.1, above.

Arbitration Agreement. You and we agree to arbitrate all Disputes in binding arbitration except for the following types of Disputes:

1. Disputes about whether the Dispute is arbitrable. You and we agree that any Disputes arising out of or related to the interpretation or application of the Arbitration Agreement, including Disputes about the enforceability, revocability, scope, or validity of the Dispute Resolution section or any portion of the Dispute Resolution section (including the Arbitration Agreement) shall be resolved in a court of competent jurisdiction, not arbitration. This includes, but is not limited to, any dispute about whether the Batch Arbitration provision applies to the Dispute.

2. Disputes that are within the jurisdiction of a small claims court. You and we agree that if a Dispute could be brought in a small claims court in the county or parish in which you reside, then it must be brought in that small claims court, not arbitration, provided that it remains in that court and is not removed or appealed to a court of general jurisdiction.

3. Disagreements about whether a Dispute is within the jurisdiction of a small claims court. You and we agree that any disagreement about whether a Dispute is within the jurisdiction of a small claims court will be resolved by the small claims court in the first instance. Disagreements about whether a Dispute is within the jurisdiction of a small claims court may otherwise be resolved in a court of competent jurisdiction, but only after you or we have exhausted resolution from the small claims court.

4. Disputes about or related to infringement or misuse of intellectual property (“IP”) rights (e.g., trademarks, trade dress, domain names, trade secrets, copyrights, and patents). You and we agree that you or the Operator must resolve IP Disputes outside of arbitration (e.g., in a court of competent jurisdiction). This means, for example, if you have a Dispute that contains an IP cause of action, which is not arbitrable under this agreement, and other causes of action that are arbitrable, then the arbitrable causes of action must proceed in arbitration and the IP cause of action must proceed outside of arbitration consistent with the other terms of the User Agreement. You and we agree that all IP Disputes shall not be stayed solely on the grounds that there exists a pending arbitration of arbitrable causes of action.

5. Disputes about whether you or we have violated state or federal securities laws. In the event that there is a Dispute about whether you or we have violated state or federal securities laws, you and we agree that such Disputes shall be resolved by a court of competent jurisdiction. This means, for example, if you have a Dispute that contains causes of action under the state or federal securities laws and other causes of action that are arbitrable, then the arbitrable causes of action must proceed in arbitration and the state or federal securities laws causes of action must proceed in a court of competent jurisdiction.

Arbitration Procedure. You and we agree that arbitration under this Arbitration Agreement will, depending on the circumstance, be administered by the American Arbitration Association (“AAA”) subject to the AAA’s Consumer Arbitration Rules then in effect, except as modified by this Arbitration Agreement. If the AAA is unable or unwilling to administer the arbitration consistent with the Arbitration Agreement, or if the Dispute is part of a Batch Arbitration, you and we agree that JAMS will administer the arbitration subject to the JAMS Rules and Procedures then in effect, including any Mass Arbitration Procedures and Guidelines applicable to the Dispute, except as modified by this Arbitration Agreement. You and we agree that if JAMS is unable or unwilling to administer the arbitration consistent with the Arbitration Agreement, and the parties cannot agree on an alternative provider that will do so, then you or we may petition a court of competent jurisdiction to appoint an administrator that will do so. The AAA and JAMS rules are available at [applicable information page] and [applicable information page] You and we agree that the User Agreement evidences a transaction involving interstate commerce and notwithstanding any other provision with respect to the applicable substantive law, the Federal Arbitration Act, 9 U.S.C. § 1 et seq. and federal arbitration law (not state arbitration law) will govern any proceedings regarding enforcement of this Arbitration Agreement. Any applicable limitations periods (including statutes of limitations) shall apply in arbitration like in court. You and we agree that an arbitral award shall have no preclusive effect in any other proceeding involving other Users. You and we (and your and our counsel, if represented) agree to work together in good faith to ensure that arbitration remains efficient and cost-effective for all parties. The arbitrator shall have the authority to award sanctions against parties and their counsel consistent with the standard set forth in Federal Rule of Civil Procedure 11.

Severability. You and we agree to sever arbitrable Disputes (which shall be resolved in arbitration) from Disputes that are not arbitrable (which shall be resolved in court); you and we also agree that if any provision of this Arbitration Agreement is found unenforceable, then that portion of the Arbitration Agreement shall be severed and the remainder of the Arbitration Agreement shall continue to control. Notwithstanding the foregoing, if the “Batch Arbitration” provision would otherwise apply to the Dispute, but a court of competent jurisdiction determines that the “Batch Arbitration” provision is unenforceable as to the Dispute or a portion of the Dispute (and all appeals have been exhausted or the ruling is otherwise final) or JAMS or a JAMS arbitrator refuses to apply all of the provisions of the Batch Arbitration provision as written, then the affected Dispute or portion of the Dispute cannot proceed in arbitration and may proceed in a court of competent jurisdiction consistent with the other terms of the User Agreement unless the parties agree otherwise in writing.

Confidentiality. You and we agree that any information exchanged between us in an arbitration may be used solely for that arbitration. You and we agree that we may not, for example, use information you or we obtained from the other party in one arbitration proceeding in another arbitration proceeding. You and we also agree to keep any information exchanged between us in any arbitration proceeding confidential between us, you, your and our attorneys, and the arbitrator. To the extent additional persons require access to information exchanged for purposes of the arbitration, you and we agree to negotiate in good faith for the entry of a protective order that will impose similar confidentiality obligations.

Arbitrator Appointment. Any arbitrator appointed under the Arbitration Agreement will be selected by the parties from the AAA or JAMS’s roster of arbitrators. If the matter is proceeding before JAMS, then you and we agree that the arbitrator shall be appointed in accordance with JAMS’s strike and rank process set forth in Rule 15 of the Comprehensive Arbitration Rules & Procedures. If the matter is proceeding before AAA, you and we agree that the arbitrator will be appointed through a strike and rank process consistent with the approach taken by JAMS in Rule 15 of the Comprehensive Arbitration Rules & Procedures.

Attorneys’ Fees and Costs. The parties shall bear their own attorneys’ fees and costs in arbitration unless the arbitrator finds that either the substance of the Dispute or the relief sought in the Dispute was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)). If you or the Operator need to invoke the authority of a court of competent jurisdiction to compel arbitration, then the party that obtains an order compelling arbitration in such action shall have the right to collect from the other party its reasonable costs, necessary disbursements, and reasonable attorneys' fees incurred in securing an order compelling arbitration. The prevailing party in any court action relating to whether either party has satisfied any condition precedent to arbitration, including the Formal Complaint Process, is entitled to recover their reasonable costs, necessary disbursements, and reasonable attorneys’ fees and costs.

Waiver of Class, Collective, Representative, Mass Actions, and Other Non-Individualized Relief. YOU AND the Operator AGREE THAT, EXCEPT AS SPECIFIED IN THE BATCH ARBITRATION PROVISION SET FORTH BELOW, EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS, AND THE PARTIES HEREBY WAIVE ALL RIGHTS TO HAVE ANY DISPUTE BE BROUGHT, HEARD, ADMINISTERED, RESOLVED, LITIGATED, OR ARBITRATED ON A CLASS, COLLECTIVE, REPRESENTATIVE, OR MASS ACTION (SUCH AS A MASS ARBITRATION) BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED, LITIGATED, OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER. Subject to this Arbitration Agreement, the arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by the party's individual claim. Notwithstanding anything to the contrary in this Arbitration Agreement, if a court decides by means of a final decision, not subject to any further appeal or recourse, that the limitations of this provision entitled “Waiver of Class and Other Non-Individualized Relief,” are invalid or unenforceable as to a particular claim or request for relief (such as a request for public injunctive relief), you and the Operator agree that that particular claim or request for relief (and only that particular claim or request for relief) shall be severed from the arbitration and may be litigated in a court of competent jurisdiction consistent with the other terms of the User Agreement. This provision does not prevent you or the Operator from participating in a class-wide settlement of claims.

Batch Arbitration. You and we agree to abide by this Batch Arbitration provision in the event that: (a) there are twenty-five (25) or more individual arbitration demands of substantially similar nature filed by us against you and other customers or by you and others against us and (b) such arbitration demands are filed with the assistance of the same law firm, group of law firms, or organizations. You and we agree that arbitration demands will not be deemed “substantially similar” if they involve claims seeking relief in connection with alleged losses of assets arising from different facts and circumstances. Arbitration demands that trigger the application of this Batch Arbitration provision can be administered in arbitration only pursuant to the provisions of this Batch Arbitration Provision. See Severability, above.

1. If this Batch Arbitration provision is triggered, then JAMS shall:

a. administer the arbitration demands in batches;

b. appoint a single, different arbitrator for each batch unless the parties agree otherwise; and

c. provide for the resolution of each batch as a single consolidated arbitration with one set of filing and administrative fees due per side per batch, one procedural calendar, one in-person or video hearing (if any) in a format to be determined by the arbitrator that shall be convenient for the parties. You and we agree that if the Dispute is subject to this Batch Arbitration process, you will personally appear at any hearing (with counsel, if you are represented).

2. The number of batches will depend on the number of arbitration demands that were filed. The batching methodology is set forth below:

a. If there are more than 25 but fewer than 2,000 arbitrations, then there will be 20 batches.

b. If there are 2,000 or more arbitrations, then they will be batched into batches of 100 arbitrations per batch.

c. In deciding which arbitration demands will go in which batch, JAMS shall make the batches as equal as possible in terms of cumulative amount demanded and number of arbitration demands.

3. You and the Operator (and your and our counsel, if represented) agree to cooperate in good faith with JAMS to implement the Batch Arbitration process including the payment of single filing and administrative fees for each Batch, as well as any steps to minimize the burdens and costs of arbitration. You and the Operator (and your and our counsel, if represented) agree to work together in good faith throughout the Batch Arbitration process to streamline procedures, modify the number of arbitrations to proceed per batch as appropriate, increase efficiencies, and seek to resolve Disputes.

4. You and we agree that arbitrations administered pursuant to this Batch Arbitration provision may be administered concurrently to the extent administratively feasible.

5. Arbitrators appointed pursuant to this Batch Arbitration provision shall issue separate awards for each the Operator User involved in a batched proceeding.

6. This Batch Arbitration provision shall in no way be interpreted as authorizing a class, collective and/or mass arbitration or action of any kind, or arbitration involving joint or consolidated claims under any circumstances, except as expressly set forth in this provision.

the Operator Business User Agreement


Last updated: February 5, 2026

Welcome to the Operator! This  User Agreement ("Agreement" or “User Agreement”) between the Operator ("the Operator," “we,” “us,” and “our”) and the entity you represent (“you”, “your”, “your company”, “user,” or “customer”) governs your use of the services provided by the Operator described below and such other services that may be offered by the Operator from time to time ("Platform Services" or "Services") to the Operator Business customers. By signing up to use a “Business Account” (as defined below) through the Operator.com or the the Operator mobile application (collectively the "Platform Site"), you agree that you have read, understand, and accept all of the terms and conditions contained in this Agreement including our Privacy Policy, Cookie Policy, Prohibited Use Policy and E-Sign Disclosure and Consent Policy in Appendix 2.  You may have to agree to additional terms and conditions to use certain Additional Services (as defined in relevant appendixes).

Important Definitions: As used throughout this Agreement, the following terms have the following meanings.

“Digital Asset” means any digital asset (including a virtual currency or virtual commodity) which is a digital representation of value based on (or built on top of) a cryptographic protocol of a computer network.

"Supported Digital Asset" means only those particular Digital Assets listed as available to trade or custody in your Digital Asset Wallet (as defined below). Services and supported assets may vary by jurisdiction.

“Authorized Representative” means the executive officer, senior manager or other individual applying for your Business Account with authority to transact and exercise control over your account.

Amendment of these Terms: We may amend or modify this Agreement at any time by posting the revised agreement on the Platform Site and/or providing a copy to you (a “Revised Agreement”). The Revised Agreement shall be effective as of the time it is posted but will not apply retroactively. Your continued use of the Services after the posting of a Revised Agreement constitutes your acceptance of such Revised Agreement. If you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Services and close your Business Account.

Dispute Resolution: PLEASE BE AWARE THAT SECTION 7 (CUSTOMER FEEDBACK, QUERIES, COMPLAINTS, AND DISPUTE RESOLUTION) CONTAINS PROVISIONS GOVERNING HOW TO RESOLVE DISPUTES BETWEEN YOU AND the Operator. AMONG OTHER THINGS, SECTION 7.3 INCLUDES AN AGREEMENT TO ARBITRATE WHICH REQUIRES, WITH LIMITED EXCEPTIONS, THAT ALL DISPUTES BETWEEN YOU AND US SHALL BE RESOLVED BY BINDING AND FINAL ARBITRATION.  PLEASE READ SECTION 7 CAREFULLY.

No Investment Advice or Brokerage: For the avoidance of doubt, the Operator does not provide investment, tax, or legal advice, and you are solely responsible for determining whether any investment, investment strategy or related transaction is appropriate for you based on your investment objectives, financial circumstances, and risk tolerance. the Operator may provide educational information about Supported Digital Assets, as well as Digital Assets not supported by the Operator, in order to assist users in learning more about such Digital Assets. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided on the Platform Site or any such third-party sites does not constitute investment advice, financial advice, trading advice, or any other sort of advice, and you should not treat any of the website's content as such. the Operator does not recommend that any Digital Asset should be bought, earned, sold, or held by you. the Operator will not be held responsible for the decisions you make to buy, sell, or hold Digital Assets based on the information provided by the Operator.

the Operator does not broker trades on your behalf unless otherwise specified. All the Operator trades are executed automatically, based on the parameters of your order instructions and in accordance with posted trade execution procedures.

Acknowledgement of Risk: As with any asset, the value of Digital Assets can increase or decrease and there can be a substantial risk that you lose money buying, selling, holding, or investing in Digital Assets. You should consult your financial advisor, legal, or tax professional regarding your specific situation and financial condition and carefully consider whether trading or holding Digital Assets is suitable for you.

the Operator is not registered with the U.S. Securities and Exchange Commission and does not offer securities services in the United States or to U.S. persons or entities.  You acknowledge that Digital Assets are not subject to protections or insurance provided by the Federal Deposit Insurance Corporation or the Securities Investor Protection Corporation.

1. Account Setup
1.1. Eligibility. To be eligible to use the Platform Services, your company must be (i) a C-corporation, a multi-member LLC or such other entity as the Operator in its sole discretion offer the Services to from time to time; (ii)  incorporated or otherwise formed in the United States; and (ii) located in the United States with a verifiable address. The Authorized Representative must (i) be at least 18 years old; (ii) be authorized to perform legally-binding actions on behalf of your company, including contractual formation and transaction execution; (iii) have the full power, authority and capacity to access and use the Services; and (iv) have the appropriate sophistication, expertise, and knowledge necessary to understand the nature and risks, and make informed decisions, in respect of Digital Assets and the Services.There are certain Platform Services that may or may not be available to you depending on your location and other criteria.

1.2. Registration of Business Account. You must register for a Business Account to use the Platform Services (a "Business Account"  or “your account”). As a regulated financial service company operating in the US we are required to identify users on our platform. You will need to complete certain verification procedures before you are permitted to use the Platform Services. This ensures we remain in compliance with applicable anti-money laundering (“AML”) and governmental sanctions laws in the jurisdictions in which we operate, something that is necessary for us to be able to continue to offer Digital Asset exchange services to our customers. the Operator collects and verifies information about you and individuals at your company in order to: (i) protect the Operator and the community from fraudulent users; and (ii) to keep appropriate records of the Operator's customers. You consent to promptly providing such information as the Operator may reasonably request from time to time regarding: (a) Your company’s policies, procedures, and activities which relate to the Services, in each case to the extent reasonably necessary for the Operator to comply with any applicable laws, rules, and regulations (including money laundering statutes, regulations and conventions of the United States or other jurisdictions), or the guidance or direction of, or request from, any regulatory authority or financial institution.

By registering or using a Business Account you agree and represent that your Authorized Representative has created your Business Account and your company will use your Business Account only for your company’s purposes, and not on behalf of any third party, unless you have obtained prior written approval from the Operator. You are fully responsible for all activity that occurs under your Business Account. We may, in our sole discretion, refuse to open a Business Account, suspend or terminate any Business Account, suspend or terminate the sending of Digital Assets from your account, or suspend or terminate the trading of Digital Assets in your account.  Please see Section 6 below for more information.

1.3. Consent to Access, Processing and Storage of Your Personal Data & Identity Verification. During registration for your Business Account, or at any other time deemed necessary by the Operator, you agree to provide us with the information we request for the purposes of identity / company verification, providing Platform Services to you, and the detection of money laundering, terrorist financing, fraud, or any other financial crimes and permit us to keep a record of such information.

The information we request may include certain information about your company including, but not limited to, incorporation documents, taxpayer identification, place of business, finances including bank account information (such as the name of the bank, the account type, routing number, and account number), and company ownership. We may also request personal information about your Authorized Representative and owners of your company, including, but not limited to, name, residential address, telephone number, e-mail address, date of birth, social security number, government identification, and in some cases (where permitted by law), special categories of personal data, such as biometric information.

You, your Authorized Representative, and your company’s owners consent to us accessing, processing and retaining any business and personal information you provide to us for the purpose of us providing Platform Services to you. This consent is not related to, and does not affect, any rights or obligations we or you have in accordance with data protection laws, privacy laws and regulations. You can withdraw your consent at any time by closing your account with us. However, we may retain and continue to process the business and personal information you have provided if we reasonably believe it is necessary in order to comply with laws or regulations. In providing us with this or any other information that may be required, you and your Authorized Representative confirm that the information is accurate and authentic. You and your Authorized Representative agree to keep us updated if any of the information you provide changes. You and your Authorized Representative authorize us to make inquiries, whether directly or through third parties, that we consider necessary to verify the business or personal information you provided 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 inquiries. When we carry out these inquiries, you and your Authorized Representative acknowledge and agree that the business and personal information you provided may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full. This is an identity check only and should have no adverse effect on your Authorized Representative or your company’s credit ratings. We reserve the right at all times to monitor, review, retain and/or disclose any information you provided as necessary to satisfy any applicable law, regulation, sanctions programs, legal process or governmental request. Further, you authorize your wireless carrier and/or your Authorized Representative’s wireless carrier to use or disclose information about your account and your wireless devices, if available, to the Operator or its service provider for as long as you have a Business Account, solely to help them identify you or your wireless devices and to prevent fraud. See our Privacy Policy and Cookie Policy for more information on how we process the business and personal data you have provided and the rights you have in respect of this.

1.4. Access. The Platform Services can be accessed directly using the Platform Site. Access to Platform Services may become degraded or unavailable during times of significant volatility or volume. This could result in significant support response time delays. Although we strive to provide you with excellent service, we do not represent that the Platform Site or other Platform Services will be available without interruption and we do not guarantee that any order will be executed, accepted, recorded, or remain open. the Operator shall not be liable for any losses resulting from or arising out of delays in processing transactions, inability to execute transactions, or lack of timely response from Platform customer support. For example, if you are locked out of your Business Account, it is possible that the value or price of the Digital Assets in your account might go down before your access is restored. the Operator shall not be liable for any alleged losses that you suffer from a drop in Digital Asset values or prices.

2. Hosted Wallet and Custodial Services
2.1. Hosted Wallet Services. As part of your Business Account, the Operator will provide qualifying users: (i) hosted Digital Asset wallet(s), each of which is an account for holding Supported Digital Assets (“Digital Asset Wallet”), and (ii) a hosted US Dollars ("USD") wallet, which is an account for holding USD (a “USD Wallet“). You may also elect to use other products and services; additional rules associated with such product(s) and services(s) may apply.

2.2. Hosted Digital Asset Wallet. Your Digital Asset Wallet allows you to store, track, transfer, and manage your balances of Supported Digital Assets. We securely store Digital Asset private keys, which are used to process transactions, in a combination of online and offline storage. As a result of our security protocols, it may be necessary for us to retrieve private keys or related information from offline storage in order to facilitate Digital Asset Transfers (as defined below) in accordance with your instructions, and you acknowledge that this may delay the initiation or crediting of such Digital Asset Transfers.

2.3. Supported Digital Assets. Your Digital Asset Wallet is intended solely for proper use of Supported Digital Assets as designated on the Platform Site. Under no circumstances should you attempt to use your Digital Asset Wallet to store, send, request, or receive any assets other than Supported Digital Assets. the Operator assumes no responsibility in connection with any attempt to use your Digital Asset Wallet with Digital Assets that we do not support. You acknowledge and agree that the Operator is not liable for any unsupported Digital Asset that is sent to a wallet associated with your Business Account. the Operator may in its sole discretion terminate support for any particular Digital Asset. If you do not sell or send such Digital Asset off platform before the Operator terminates its support for such Digital Asset, then the Operator may, in its discretion, remove such Digital Asset from your Digital Asset Wallet and credit your Digital Asset Wallet or USD Wallet the equivalent market value of a Supported Digital Asset or fiat currency minus transaction costs. If you have any questions about our current list of Supported Digital Assets, please visit [applicable information page] Operator.com.

2.4. Supplemental Protocols Excluded. Unless otherwise specifically announced on the Platform Site or as set forth in this Agreement, Supported Digital Assets excludes all other protocols and/or functionality which supplement or interact with the Supported Digital Asset. This exclusion includes but is not limited to: metacoins, colored coins, side chains, or other derivative, enhanced, or forked protocols, tokens, or coins or other functionality, such as staking, protocol governance, and/or any smart contract functionality, which may supplement or interact with a Supported Digital Asset. Do not use your Business Account to attempt to receive, request, send, store, or engage in any other type of transaction or functionality involving any such protocol as the Platform Site is not configured to detect, secure, or process these transactions and functionality. Any attempted transactions in such items will result in loss of the item. You acknowledge and agree that other than as set forth in this Agreement supplemental protocols are excluded from Supported Digital Assets and that the Operator has no liability for any losses related to supplemental protocols.

2.5. Fungibility of Certain Digital Assets.  You acknowledge and agree that the Operator may hold Supported Digital Assets in your Digital Asset Wallets in a variety of different ways, including across multiple blockchain protocols, such as layer two networks, alternative layer one networks, or side chains. In connection with its holding of Supported Digital Assets in your Digital Asset Wallets, the Operator may transfer such Digital Assets off of the primary blockchain protocol and hold such Digital Assets on shared blockchain addresses, controlled by the Operator, on alternative blockchain protocols in forms compatible with such protocols.  You agree that all forms of the same Digital Asset that are held and made available across multiple blockchain protocols may be treated as fungible and the equivalent of each other, without regard to (a) whether any form of such Digital Asset is wrapped or (b) the blockchain protocol on which any form of such  Digital Asset is stored.

2.6. Operation of Digital Asset Protocols. the Operator does not own or control the underlying software protocols which govern the operation of Digital Assets. Generally, the underlying protocols are open source, and anyone can use, copy, modify, and distribute them. We assume no responsibility for the operation of the underlying protocols and do not guarantee the functionality or security of network operations. In particular, the underlying protocols may be subject to sudden changes in operating rules (including “forks”). Any such operating changes may materially affect the availability, value, functionality, and/or the name of the Digital Assets in your Digital Asset Wallet or other wallet. the Operator does not control the timing and features of these operating changes. It is your responsibility to make yourself aware of upcoming operating changes and you must carefully consider publicly available information and information that may be provided by the Operator in determining whether to continue to use a Business Account for the affected Digital Asset. In the event of any such operational change, the Operator reserves the right to take such steps as may be necessary to protect the security and safety of assets held on the Platform Site, including without limitation, temporarily suspending operations for the involved Digital Asset(s); the Operator will endeavor to provide you notice of its response to any material operating change; however, such changes are outside of the Operator’s control and may occur without notice to the Operator. the Operator’s response to any operating change is subject to its sole discretion and may include deciding not to support any new Digital Asset, fork, or other actions. You acknowledge and accept the risks of operating changes to Digital Asset protocols and agree that the Operator is not responsible for such operating changes and not liable for any loss of value you may experience as a result of such changes in operating rules. You acknowledge and accept that the Operator has sole discretion to determine its response to any operating change and that we have no responsibility to assist you with unsupported currencies or protocols. You further acknowledge and accept that the Operator has no responsibility to support new Digital Asset forks or operating changes for Digital Assets.

2.7. Digital Asset Custody and Title. All Supported Digital Assets held in your Digital Asset Wallet are custodial assets held by the Operator for your benefit, as described in further detail below.

2.7.1. Ownership. Title to Supported Digital Assets shall at all times remain with you and shall not transfer to the Operator. All interests in Digital Assets we hold for Digital Asset Wallets are held for customers, are not property of the Operator, and are not subject to claims of the Operator’s creditors. As owner of the Supported Digital Assets in your Digital Asset Wallet, you shall bear all risk of loss of such Supported Digital Assets. the Operator shall have no liability for Supported Digital Asset fluctuations or loss. None of the Supported Digital Assets in your Digital Asset Wallet are the property of, or shall or may be loaned to, the Operator; the Operator does not represent or treat assets in User’s Digital Assets as belonging to the Operator. the Operator may not grant a security interest in the Supported Digital Assets held in your Digital Asset Wallet. Except as required by law, or except as provided herein, the Operator will not sell, transfer, loan, hypothecate, or otherwise alienate Supported Digital Assets in your Digital Asset Wallet unless instructed by you.

2.7.2 Application of the Uniform Commercial Code. Supported Digital Assets in the Digital Asset Wallet will be treated as “financial assets” under Division 8 of the California Uniform Commercial Code (“Division 8”). the Operator is a “securities intermediary” as used in Division 8 with respect to Supported Digital Assets, and your Digital Asset Wallet is a “securities account” as used in Division 8. As stated in Division 8, “the characterization of a person, business, or transaction for purposes of this division does not determine the characterization of the person, business, or transaction for purposes of any other law, regulation, or rule,” including the United States Commodity Exchange Act and any federal, state, or foreign securities law or regulation. the Operator will comply with your instructions with respect to your Supported Digital Assets, subject to the terms of this User Agreement.

2.7.3. Control and Customer Instructions. You control the Digital Assets held in your Digital Asset Wallet. At any time, subject to outages, downtime, protocol requirements, time to conduct blockchain operations to fulfill your request, and other applicable policies, you may withdraw your Supported Digital Assets by instructing the Operator to debit the applicable Supported Digital Asset from your Digital Asset Wallet and transfer the Digital Assets to a different blockchain address. As long as you continue to hold Supported Digital Assets with the Operator, the Operator shall retain control over electronic private keys associated with blockchain addresses operated by the Operator, including the blockchain addresses used to hold the Supported Digital Assets credited to your Digital Asset Wallet.

2.7.4. Omnibus Accounts. In order to more securely and effectively custody assets, the Operator may use shared blockchain addresses, controlled by the Operator, to hold Supported Digital Assets for Digital Asset Wallets on behalf of customers and/or held on behalf of the Operator. Although we maintain separate ledgers for customers’ accounts and accounts held by the Operator for its own benefit, the Operator shall have no obligation to create a segregated blockchain address for your Supported Digital Assets.

2.7.5. Governance and Voting. For certain Digital Assets, the underlying protocols offer stakers the ability to vote on matters related to the governance of protocol-level issues. the Operator may or may not support voting for such assets, and may cease supporting voting at any time in its discretion. the Operator will comply with your instruction to vote your Supported Digital Assets to the extent the Operator or its affiliate supports voting for such Supported Digital Assets. In certain cases, the Operator may vote on your behalf where the Operator or the applicable protocol does not support delegated voting; in those instances, the Operator will vote with the protocol’s recommendation.

2.8. USD Wallet. Your USD Wallet allows you to hold and transfer USD with your Business Account as described in Section 3 below. To the extent your USD is held as cash, the balance of your USD Wallet is maintained in pooled custodial accounts at one or more financial institutions insured by the Federal Deposit Insurance Corporation (“FDIC”) or the National Credit Union Share Insurance Fund (“NCUSIF”).  the Operator may also place your funds in liquid investments, which may include but are not limited to U.S. treasuries or U.S. government money market funds, in accordance with state money transmitter laws. Your funds may be held in any one of these manners. Our custodial cash accounts have been established in a manner to make available pass-through FDIC or NCUSIF insurance available up to the per-depositor coverage limit then in place (currently $250,000 per account holder). Availability of pass-through insurance is contingent upon factors including the Operator having correct information about you as a customer and maintaining accurate records, and on the determination by the relevant federal regulator as receiver, at the time of a receivership of a bank or credit union holding a custodial account. The current list of the insured depository institutions at which the Operator may deposit customer funds is located here. the Operator is not an FDIC-insured bank or NCUSIF-insured credit union. the Operator owns the interest or other earnings on these investments. the Operator will not use customer funds for its operating expenses or any other corporate purposes. You agree that the Operator, acting in good faith and in the regular course of business, is the custodian of depository records for your cash held at financial institutions.

2.9. USDC Wallets. You may elect to buy USD Coin (“USDC”) from the Operator, a Digital Asset issued by the relevant token issuer (“the relevant token issuer”) and supported by the Operator. You are the owner of the balance of your USDC Wallet. the Operator is not the issuer of USDC, does not hold reserves for USDC, and has no obligation to repurchase your USDC for USD. You can redeem your USDC with the relevant token issuer, and the Operator may also elect to repurchase your USDC in exchange for USD. You agree to be bound by the terms of the the relevant token issuer USDC User Agreement (located at [applicable information page] relevant token issuer.com/legal/usdc-terms), which provides additional obligations, undertakings, and limitations with respect to USDC.

3. Payment Services, Purchase & Sale Transactions, and Credit Transactions

3.1. USD Funds. You can load funds into your USD Wallet from a valid bank account held by your company via wire transfer. Your USD balance is in a pending state and will not be credited to your USD Wallet until after the bank transfer has cleared, usually within five (5) business days. We may debit your linked bank account as soon as you initiate payment. The company name on your Payment Method must match the company name verified on your Business Account. the Operator may elect to make automated clearing house (ACH) transfers or other payment methods available to you at our discretion.

3.2. Transactions on the Platform Site. When you buy or sell Supported Digital Assets on the Platform Site (which, for clarity, does not include transactions with Third Party Services (as defined below)), you are not buying Supported Digital Assets from the Operator or selling Supported Digital Assets to the Operator. the Operator acts as the agent, transacting on your behalf, to facilitate that purchase or sale between you and other Platform customers. You can purchase Supported Digital Assets on the Platform Site using: (i) funds in your USD Wallet; or (ii) Supported Digital Assets held in certain Digital Asset Wallets, as permitted by the Operator; or (iii) other payment methods the Operator may make available to you at our discretion (each a "Payment Method"). Your purchase must follow the relevant instructions on the Platform Site. the Operator reserves the right to cancel any transaction not confirmed by you within five (5) seconds after the Operator quotes a transaction price. A purchase of Supported Digital Assets using a Payment Method generally will initiate on the business day we receive your instructions. Purchased Supported Digital Assets will usually be deposited in your Digital Asset Wallet instantly and can be exchanged for other Digital Assets. You will be able to sell or send Purchased Digital Assets as soon as funds have settled to the Operator, which in the case of a bank account usually takes up to five (5) business days. You can sell Supported Digital Assets and instruct the Operator to deposit funds into your USD Wallet or, where supported, a Digital Asset Wallet. Supported Digital Asset purchases and sales on the Platform Site are collectively referred to herein as “Digital Asset Transactions”. If the Operator cannot complete your Digital Asset Transaction for any reason (such as price movement, market latency, inability to find a counterparty for your transaction, or order size), the Operator will reject the order and notify you of such rejection. You will not be charged for a rejected transaction.

3.3. Fees. In general, the Operator makes money when you purchase or sell Supported Digital Assets on the Platform Site. A description of the way fees are calculated can be found on our Pricing and Fees Disclosures Page. By using Platform Services you agree to pay all fees and, if applicable based on the service, a spread. While the Operator reserves the right to adjust its pricing and fees and any applicable waivers at any time, we may provide at least 30 days’ prior notice of certain changes to our pricing schedule, or terms, conditions and policies to users in some states where required by applicable law. We will also notify you of the final price of each transaction, inclusive of pricing and fees, when you authorize the transaction and in each receipt we issue to you. We may charge network fees (miner fees) to process a Digital Asset Transaction on your behalf. We will calculate the network fee at our discretion, and notify you of the network fee at or before the time you authorize the Digital Asset Transaction. Bank fees charged to the Operator are netted out of transfers to or from the Operator. You are responsible for paying any additional fees charged by your financial service provider. We will not process a transfer if associated bank fees exceed the value of the transfer. You may be required to deposit additional USD to cover bank fees if you desire to complete such a transfer.

3.4. Recurring Digital Asset Transactions. the Operator may elect to make recurring Digital Asset Transactions available to you at our discretion.  If you initiate recurring Digital Asset Transactions, you authorize us to initiate recurring electronic payments in accordance with your selected Digital Asset Transaction and any corresponding Payment Method. This authorization will remain in full force and effect until you change your recurring transaction settings at [applicable information page] Operator.com/transactions or otherwise on the Platform Site. Your recurring transactions will occur in periodic installments, based on your period selection (e.g., daily, weekly, monthly), until either you or the Operator cancels the recurring order. Recurring transactions scheduled for the 29th, 30th, or 31st day of a month will be processed the earlier of the date scheduled or on the last day of the applicable month. For example, recurring transactions scheduled for the 31st will be processed on the 30th in April, June, September, and November. Your recurring transaction will be executed within the 24-hour day on the transaction date. Transaction times may vary.

If you select a linked bank account as your Payment Method for a recurring transaction, and such transaction falls on a weekend or holiday, or after bank business hours, the ACH credit or debit will be executed on the next business day, although the Digital Asset fees at the time of the regularly-scheduled transaction will apply. If your Bank is unable to process any electronic ACH debit entry, we will notify you of cancellation of the transaction and may use the remedies set forth in this User Agreement to recover any amount owed to the Operator. You agree to notify the Operator of any changes in your linked bank account information prior to a recurring transaction. the Operator may, at any time, suspend or delay recurring transactions without notice or terminate recurring transactions by providing notice to you.

3.5. Revocation. When you give us instructions to purchase Supported Digital Assets, you cannot withdraw your consent to that purchase unless the purchase is not scheduled to occur until a future date e.g. you set up a recurring purchase of Supported Digital Assets (a "Future Transaction"). In the case of a Future Transaction, you may withdraw your consent up until the end of the business day before the date that the Future Transaction is scheduled to take place. To withdraw your consent to a Future Transaction, you must follow the instructions on the Platform Site.

3.6. Unauthorized and Incorrect Transactions. When a Digital Asset Transaction or USD transaction occurs using your Authorized Representative’s credentials, we will assume that you authorized such transaction, unless you notify us otherwise. If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible via our help page at [applicable information page] Operator.com or by phone at (888) 908-7930 (international call charges may apply). It is important that you regularly check your USD Wallet, Digital Asset Wallet, and any other wallets accessible through the Platform Site and your transaction history to ensure you notify us as soon as possible of any unauthorized or incorrect transactions. Reporting an unauthorized transaction does not guarantee the Operator will be able to reverse the transaction or reimburse you for the transaction.

3.7. Account Information. You will be able to see your USD Wallet and Digital Asset Wallet balances using the Platform Site. You can also see your transaction history using the Platform Site, including (i) the amount (and currency) of each Digital Asset Transaction; (ii) a reference to the identity of the payer and/or payee (as appropriate); (iii) any fees charged (excluding any spread, or margin, over the prevailing market rate on the Operator’s trading platform); (iv) if applicable, the rate of exchange, and the amount (in the new currency) after exchange (where you are the payer) or the amount (in the original currency) before the exchange (where you are the payee); and (v) the date of each Digital Asset Transaction.

3.8. Reversals & Cancellations. You cannot cancel, reverse, or change any transaction marked as complete or pending. If your payment is not successful, if your Payment Method has insufficient funds, or if you reverse a payment made from funds in your bank account, you authorize the Operator, in its sole discretion, either to cancel the transaction or to debit your other Payment Methods, including your USD Wallet or Digital Asset Wallet balances or other linked accounts, in any amount necessary to complete the transaction. You are responsible for maintaining an adequate balance to avoid overdraft, non-sufficient funds (NSF), or similar fees charged by your payment provider. We reserve the right to refuse to process, or to cancel, correct, clawback, or reverse, any Digital Asset Transaction or Transfers in our sole discretion, even after funds have been debited from your Account, in response to a subpoena, court order, or other government order; or if we suspect the transaction may: involve money laundering, terrorist financing, fraud, or any other type of financial crime; be erroneous; or relate to a Prohibited Use or a Prohibited Business as set forth in the Prohibited Use Policy. In such instances, the Operator will reverse the transaction and we are under no obligation to reinstate a purchase or sale order at the same price or on the same terms as the canceled transaction.

3.9. Payment Services Partners. the Operator may use a third party payment processor to process any USD payment between you and the Operator, including but not limited to payments in relation to your use of the Digital Asset Wallet or deposits or withdrawals from your USD Wallet, including your Business Account.

4. Digital Asset Transfers

4.1. In General. Your Digital Asset Wallet enables you to send Supported Digital Assets to, and request, receive, and store Supported Digital Assets from, third parties by giving instructions through the Platform Site. Your transfer of Supported Digital Assets between your other Digital Asset wallets (including wallets off the Platform Site) and to and from third parties is a “Digital Asset Transfer”. We recommend you send a small amount of Supported Digital Assets as a test before sending a significant amount of Supported Digital Assets.

4.2. Pending Transactions. Once a Digital Asset Transfer is submitted to a Digital Asset network, the transaction will be unconfirmed and remain in a pending state for a period of time sufficient to allow confirmation of the transaction by the Digital Asset network. A Digital Asset Transfer is not complete while it is in a pending state. Pending Digital Asset Transfers that are initiated from a Business Account will reflect a pending transaction status and are not available to you for use on the Platform Site or otherwise while the transaction is pending.

4.3. Inbound Digital Asset Transfers. When you or a third party sends Digital Assets to a simulated wallet feature from an external wallet not hosted on the Operator (“Inbound Transfers”), the party initiating the transaction is solely responsible for executing the transaction properly, which includes ensuring that the Digital Asset being sent is a Supported Digital Asset that conforms to the particular wallet address to which funds are directed, including any required Destination Tag/Memo. By initiating an Inbound Transfer, you attest that you are transacting in a Supported Digital Asset that conforms to the particular wallet address to which funds are directed. For example:

If you select an Ethereum wallet address to receive funds, you attest that you are initiating an Inbound Transfer of Ethereum alone, and not any other Digital Asset such as Bitcoin or Ethereum Classic.

If you select a Bitcoin wallet address to receive funds, you attest that you are initiating an Inbound Transfer of Bitcoin alone, and not any other Digital Asset such as Bitcoin Cash or Ethereum.

the Operator incurs no obligation whatsoever with regard to unsupported Digital Assets sent to a Business Account or with regard to Supported Digital Assets sent to an incompatible Digital Asset wallet address. If you send unsupported Digital Assets to a Business Account or Supported Digital Assets to an incompatible Digital Asset wallet address, then you will lose those Digital Assets. For some lost Digital Assets, the Operator may in its sole discretion offer you the option to attempt a recovery. We may charge fees to process the recovery attempt on your behalf. We will calculate all fees at our discretion, and notify you of the applicable fees at or before the time you authorize the recovery attempt. For more information, see our Pricing and Fees Disclosures Page. The actual amount recovered may differ from the estimated recovery amount. the Operator does not evaluate the authenticity, safety, or security of unsupported Digital Assets. You acknowledge and agree that the Operator is not liable for any loss incurred during the recovery attempt or subsequent use of the recovered Digital Asset.

the Operator may from time to time determine types of Digital Assets that will be supported or cease to be supported. You acknowledge and agree that you may be required to pay network or miner’s fees in order for an Inbound Transfer transaction to be successful. Insufficient network fees may cause an Inbound Transfer to remain in a pending state on a decentralized network outside of the Operator’s control, and we are not responsible for delays or loss incurred as a result of an error in the initiation of the transaction and cannot reverse such transactions.

4.4. Outbound Digital Asset Transfers. When you send Supported Digital Assets from your Business Account to an external wallet (“Outbound Transfers”), such transfers are executed at your instruction by the Operator. You should verify all transaction information prior to submitting instructions to us. the Operator shall bear no liability or responsibility in the event you enter an incorrect blockchain destination address, incorrect Destination Tag/Memo, or if you send your Supported Digital Assets to an incompatible wallet. We do not guarantee the identity or value received by a recipient of an Outbound Transfer. Digital Asset Transfers cannot be reversed once they have been broadcast to the relevant Digital Asset network, although they may be in a pending state, and designated accordingly, while the transaction is processed by network operators. the Operator does not control the Digital Asset network and makes no guarantees that a Digital Asset Transfer will be confirmed by the network. We may cancel or refuse to process any pending Outbound Digital Asset Transfers as required by law or any court or other authority to which the Operator is subject in any jurisdiction. Additionally, we may require you to wait some amount of time after completion of a transaction before permitting you to use further Platform Services and/or before permitting you to engage in transactions beyond certain volume limits.

4.5. Transfers to a Recipient Email Address. the Operator allows you to initiate a Digital Asset Transfer to a Platform customer by designating that customer’s email address. If you initiate a Digital Asset Transfer to an email address, and the recipient does not have an existing Business Account (or other type of the Operator account), we will invite the recipient to open a the Operator account. If the recipient does not open a the Operator account within thirty (30) days, we will return the relevant Supported Digital Asset to your Digital Asset Wallet.

4.6. Debts. In the event that there are outstanding amounts owed to us hereunder, including in your Business Account, the Operator reserves the right to debit your Business Account accordingly and/or to withhold amounts from funds you may transfer between your Business Accounts.

5. Data Protection and Security

5.1. Business & Personal Data. You acknowledge that we may process the business and personal data that you have provided or in the future provide to us in relation to your Authorized Representative and other individuals associated with your company, in connection with this Agreement, or the Platform Services. Accordingly, you represent and warrant that: (i) your disclosure to us of any personal data relating to individuals was or will be made in accordance with all applicable data protection and data privacy laws, and such data is accurate, up to date and relevant when disclosed; (ii) before providing any such personal data to us, you have read and understood our Privacy Policy, and have (or will at the time of disclosure have) provided a copy of that Privacy Policy (as amended from time to time), to any individual to whom you have shared their data with the Operator; and (iii) if from time to time we provide you with a replacement version of the Privacy Policy, you will promptly read that notice and provide a copy to any individual whose personal data you have provided to us.

5.2. Security Breach. If you suspect that your Business Account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and/or the Operator (collectively a "Security Breach"), you must notify Platform Support immediately at [applicable information page] Operator.com or (888) 908-7930 and provide accurate and up to date information throughout the duration of the Security Breach. You must take any steps that we reasonably require to reduce or manage any Security Breach. Prompt reporting of a Security Breach does not guarantee that the Operator will reimburse you for any losses suffered or be liable to you for any losses suffered as a result of the Security Breach.

5.3. Computer Viruses. We shall not bear any liability, whatsoever, for any damage or interruptions caused by any computer viruses or other malicious code 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 and should use care in reviewing messages purporting to originate from the Operator. Always log into your Business Account through the Platform Site to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.

6. General Obligations, Taxes, Updating an Authorized Representative  and Termination

6.1. Limited License. All content included in or made available through the Platform Services, Platform Site or any related content, materials and information such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software (collectively, the “Content”) is the property of the Operator or its affiliates or its content providers and protected by United States and international copyright laws. We grant you a limited, nonexclusive, nontransferable license, subject to the terms of this Agreement, to access and use the Platform Services, Platform Site, and Content solely for purposes approved by the Operator from time to time. Any other use of the Platform Services, Platform Site or Content is expressly prohibited and all other right, title, and interest in the Platform Services, Platform Site or Content is exclusively the property of the Operator and its licensors. This document governs an entertainment-only role-playing simulation. The Platform is not a bank, broker, exchange, custodian, money transmitter, or financial institution. No displayed balance represents real money or an entitlement to money, digital assets, securities, or other property. No real deposits, trades, transfers, or withdrawals are supported. You agree you will not copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the Content, in whole or in part without the prior written consent of the Operator.

All platform names, graphics, logos, and service identifiers are protected materials and may not be copied or used without permission.

6.2. Website Accuracy. Although we intend to provide accurate and timely information on the Platform Site, the Platform Site (including, without limitation, the Content) may not always be entirely accurate, complete or current and may also include technical inaccuracies or typographical errors. In an effort to continue to provide you with as complete and accurate information as possible, information may be changed or updated from time to time without notice, including without limitation information regarding our policies, products and services. Accordingly, you should verify all information before relying on it, and all decisions based on information contained on the Platform Site are your sole responsibility and we shall have no liability for such decisions. Information provided by third parties, including historical price and supply data for Digital Assets, is for informational purposes only and the Operator makes no representations or warranties to its accuracy. Links to third-party materials (including without limitation websites) may be provided as a convenience but are not controlled by us. You acknowledge and agree that we are not responsible for any aspect of the information, content, or services contained in any third-party materials or on any third-party sites accessible or linked to the Platform Site.

6.3. Third-Party Applications. If, to the extent permitted by the Operator from time to time, you grant express permission to a third party to access or connect to your Business Account, either through the third party's product or service or through the Platform Site, you acknowledge that granting permission to a third party to take specific actions on your behalf does not relieve you of any of your responsibilities under this Agreement. You are fully responsible for all acts or omissions of any third party with access to your Business Account. Further, you acknowledge and agree that you will not hold the Operator responsible for, and will indemnify the Operator from, any liability arising out of or related to any act or omission of any third party with access to your Business Account. You may change or remove permissions granted by you to third parties with respect to your Business Account at any time through the tabs on the Account Settings page on the Platform Site.

6.4. Your Content. Some Platform Services let you share your company’s content (for example text, images, video, graphics, audio or other materials, “Your Content”). Before sharing Your Content through the Services, you promise and attest that you own and control all of the intellectual property rights to Your Content (or that you have the necessary license rights to the content) and that Your Content is lawful. We reserve the right to remove Your Content at our discretion, without notice and without liability.

6.4.1. License to use Your Content. When you share Your Content through the Services, you retain your intellectual property rights in Your Content and you provide us with the following license to use Your Content: by using our Services you grant us a worldwide, non-exclusive, royalty-free, sublicensable, perpetual, and transferable license to host, publish, display, perform, reproduce, copy, distribute, communicate, modify, reformat, translate, or otherwise use Your Content (including your text, images, video, graphics, audio, files, communications, and any other content you provide) to operate, improve, develop, and promote our Services.

6.5. Transaction Limits. The use of all Platform Services may be subject to a limit on the amount of volume, stated in USD terms, you may transact or transfer in a given period (e.g., daily). To view your limits, login to your Business Account and visit [applicable information page] Operator.com/settings/account-levels . Your transaction limits may vary depending on your Payment Method, verification steps you have completed, and other factors. the Operator, in our sole discretion, may adjust your limits or provide opportunities for you to request adjustments to your limits..

6.6. Unclaimed Property. If the Operator is holding funds (whether fiat currency or Supported Digital Assets) in your account, and has no record of you accessing the Services for several years and is unable to contact you, applicable law may require the Operator to deliver any such funds to the applicable state or jurisdiction as unclaimed property.

6.7. Password Security; Contact Information. You are responsible for creating a strong password and maintaining security and control of any and all electronic devices, IDs, email addresses, passwords, hints, personal identification numbers (PINs), API keys or any other codes that you use to access the Platform Services. In addition, you may choose to nominate two or more trusted contacts (“Trusted Contacts”) to verify your identity when you take certain actions on your account, such as account recovery. You are responsible for ensuring that any Trusted Contacts you appoint are individuals that you know personally and trust, that you are able to contact them if and when you need to take certain actions, and that you keep your designated Trusted Contacts up to date. Any loss or compromise of the foregoing information, any personal information, and/or actions taken by your Trusted Contacts may result in unauthorized access to your Business Account by third-parties and the loss or theft of any Digital Assets and/or funds held in your Business Account and any associated accounts, including your linked bank account(s) and credit card(s). You are responsible for keeping your email address and telephone number up to date in your Business Account in order to receive any notices or alerts that we may send you. You should never allow remote access or share your computer and/or computer screen with someone else when you are logged on to your Business Account. the Operator will never under any circumstances ask you or your Trusted Contacts for your passwords, 2-factor authentication codes, or to screen share or otherwise seek to access your computer or account. the Operator is not liable for any loss that you may sustain due to the compromise of your account login credentials (including passwordless credentials such as Passkeys and any other means of authentication) or resulting from your use of the Trusted Contacts feature. the Operator is also not liable for your failure to follow or act on any notices or alerts that we may send to you. In the event you believe your Business Account information has been compromised, contact Platform Support immediately at [applicable information page] Operator.com or (888) 908-7930.

6.8. Taxes. The tax treatment of Digital Asset transactions is uncertain, and it is your responsibility to determine what taxes, if any, arise from transactions using Platform Services under this Agreement. Users are solely responsible for reporting and paying any applicable taxes arising from transactions using Platform Services, and acknowledge that the Operator does not provide investment, legal, or tax advice governing these transactions. You understand that the Operator shall report information with respect to your transactions, payments, transfers, or distributions made by or to you with respect to your activities using Platform Services to a tax or governmental authority to the extent such reporting is required by applicable law. the Operator also shall withhold taxes applicable to your transactions or to payments or distributions made or deemed made to you to the extent such withholding is required by applicable law. From time to time, the Operator shall ask you for tax documentation or certification of your taxpayer status as required by applicable law, and any failure by you to comply with this request in the time frame identified may result in withholding and/or remission of taxes to a tax authority as required by applicable law. You should conduct your own due diligence and consult your own tax advisors before making any decisions with respect to Digital Asset transactions.

6.9. Updating Authorized Representative. For security reasons, if we receive legal documentation confirming your Authorized Representative is no longer entitled to access your Business Account, we will freeze your Business Account and during this time, no transactions may be completed until: (i) a new Authorized Representative has been identified by you; and (ii) we have received proof in a form satisfactory to us that the new Authorized Representative is entitled to access your Account.

6.10. Suspension, Termination, and Cancellation. the Operator may suspend, restrict, or terminate your access to any or all of the Platform Services, and/or deactivate or cancel your Business Account, with immediate effect for any reason at its sole discretion and is under no obligation to disclose the details of its decision to take such action with you. You acknowledge that the Operator's decision to take certain actions, including limiting access to, suspending, or closing your account for any reason in our sole discretion, may be based on confidential criteria that are essential to the Operator's risk management and security protocols. You agree that the Operator is under no obligation to disclose the details of its risk management and security procedures to you.

You will be permitted to transfer Supported Digital Assets or funds associated with your hosted Digital Asset Wallet(s) and/or your USD Wallet(s) for ninety (90) days after Account deactivation or cancellation unless such transfer is otherwise prohibited (i) under applicable law, including but not limited to applicable sanctions programs; or (ii) by a facially valid subpoena or court order. You may close your Business Account at any time by visiting [applicable information page] Operator.com/profile/close. You will not be charged for closing your Business Account, although you will be required to pay any outstanding amounts owed to the Operator. You authorize us to cancel or suspend any pending transactions at the time of account closure.

the Operator may discontinue or change any product, service, or feature, in its sole discretion, at any time. You agree that we may transfer you to a product or service that is reasonably similar to the discontinued or changed product or service, to the extent such product or service exists. We will provide you with prior notice of material changes, discontinuation, or the transfer related to a product, service, or feature, to the extent required or applicable.

6.11. Export Controls and Sanctions. Your use of the Platform Services and the Site is subject to applicable law including but not limited to export restrictions, end-user restrictions, antiterrorism laws, and economic sanctions. By sending, receiving, buying, selling, trading, or storing Digital Assets through the Site or Platform Services, you agree that you will comply with all applicable laws. You are not permitted to acquire Digital Assets or use any of the Platform Services through the Site if doing so would violate applicable laws and regulations, including but not limited to those of the United Nations Security Council, the United States (including prohibiting dealings with sanctioned persons identified by the U.S. Department of the Treasury’s Office of Foreign Assets Control Specially Designated Nationals and Blocked Persons (“SDN”), or other U.S. non-SDN restricted or prohibited parties lists, and those prohibiting dealings with persons organized, resident, or located in comprehensively sanctioned jurisdictions), and/or any other applicable federal, state, municipal or local laws and regulations (each as amended from time to time).

6.12 Consent to Receive Text Messages. By opting in to receive text messages from the Operator, you verify that the mobile number provided to the Operator is true and accurate and that your Authorized Representative is the current subscriber or owner or primary user of any telephone number that you provide. By voluntarily providing your telephone number(s) and opting in to receiving text messages from the Operator, you expressly agree to receive recurring automated text messages (such as SMS, MMS, or successor protocols or technologies) from the Operator and understand that consent is not required to make any purchase. Message and data rates may apply and the frequency of messages varies. Your consent to receive automated texts is completely voluntary. You may opt-out at any time by replying STOP or receive support by replying HELP to any mobile message from us. the Operator, carriers and other service providers which support the Operator in delivering text messages are not responsible for any delayed or undelivered text messages. You acknowledge and agree to accept a final text message confirming your opt-out. We may use different numbers for different messaging purposes, so texting STOP to one number will not effectuate a stop request for all text messaging programs to which you are subscribed. If you would like to stop messages from multiple numbers, text STOP to each number to which you would like to unsubscribe. You agree to indemnify, defend, and hold harmless the Operator for any claims, losses, liability, costs and expenses (including reasonable attorneys’ fees) arising from any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or any state law equivalents, including claims relating to your voluntary provision of a telephone number that is not owned by you. You can contact us via our help page at [applicable information page] Operator.com or by phone at (888) 908-7930 (international call charges may apply). Opt-in consent for text messages is not shared with any third party, except telecommunication technology providers (e.g. aggregators and providers of text message services) as defined in our Privacy Policy.

6.13 Representations. You agree that your Company is not a resident in nor organized under the laws of any country with which transactions or dealings are prohibited by governmental sanctions imposed by the U.S., the United Nations, the European Union, the United Kingdom, or any other applicable jurisdiction (collectively, “Sanctions Regimes”), nor is it owned or controlled by a person, entity or government prohibited under an applicable Sanctions Regime.  You further agree that your company shall remain in full compliance with all applicable laws, rules, and regulations in each jurisdiction in which your company operates or otherwise uses the Services, including U.S. securities laws and regulations, as well as any applicable state and federal laws, including with applicable AML, anti-terrorist, anti-bribery/corruption, and Sanctions Regime laws and regulations, including, but not limited to, the Bank Secrecy Act, as amended by the USA PATRIOT Act (collectively, “AML and Sanctions Laws and Regulations”), and that your Company shall remain in good standing with all relevant government agencies, departments, regulatory, and supervisory bodies in all relevant jurisdictions in which your company does business, and you will immediately notify the Operator if you cease to be in good standing with any regulatory authority.. You further agree that your Company has implemented ongoing customer sanctions screening against applicable Sanctions Regimes lists and that your Company will not instruct or otherwise cause the Operator to hold any assets or engage in any transaction that would cause the Operator to violate applicable AML and Sanctions Laws and Regulations.)  You further agree to provide the Operator with information upon request required by the Operator to satisfy its AML and Sanctions Regime obligations and that by executing this Agreement, your Company provides written consent to allow the Operator to request and obtain any and all beneficial owner information regarding your Company that is maintained on any national beneficial ownership registry, including, but not limited to, the Beneficial Ownership Information Registry maintained by the U.S. Financial Crimes Enforcement Network (“FinCEN”),  in order to assist the the Operator Entities in complying with their anti-money laundering and customer due diligence obligations, with the understanding that the the Operator Entities will only use such information for those purposes and will maintain the information pursuant to the confidentiality provisions of this Agreement.  Finally, your Company agrees that it  shall use the Services for commercial, business purposes only, limited to activities disclosed in the due diligence information submitted to the Operator, and shall not include any personal, family or household purposes, and that your Company will promptly notify the Operator in writing in the event you intend to use the Services in connection with any business activities not previously disclosed to the Operator.

7. Feedback, Queries, Complaints, and Dispute Resolution

7.1. Contact the Operator. If you have feedback, or general questions, contact us via our Customer Support webpage at [applicable information page] Operator.com. the Operator requires that all legal documents (including civil subpoenas and complaints) be served on our registered agent for service of process. Current contact information for our registered agent in each state can be found here.

Please note that our registered agent will accept service only if the entity identified as the recipient of the document identically matches the name of the entity registered with the Secretary of State and for which our registered agent is authorized to accept service (the Operator). By accepting service of a legal document, the Operator does not waive any objections we may have and may raise in response to such document.

7.2. Formal Complaint Process. If you have a complaint with the Operator, you agree to first contact the Operator through our support team to attempt to resolve any such dispute amicably. If we cannot resolve the dispute through Platform Support, you agree to use the Formal Complaint Process set forth below before filing any arbitration claim as described further in section 7.3 below. You must complete the Formal Complaint Process before filing any arbitration. If you do not complete it, then you agree that your claim or action must be dismissed from arbitration.

7.2.1. Procedural Steps. In the event that the dispute is not resolved through your contact with Platform Support, you agree to use our complaint form to describe your dispute, how you would like us to resolve the complaint, and any other relevant information. The complaint form can be found here or can be requested from the Operator Customer Support. If you prefer to send a written complaint via mail, please include as much information as possible in describing your complaint and how you would like us to resolve the complaint, including your support case number and any other relevant information to the Operator, 228 Park Ave S #23008, New York, NY, 10003. We will acknowledge receipt of your complaint form after you submit it. A Platform customer relations agent will review and evaluate your complaint based on the information you have provided and information in the possession of the Operator. The Formal Complaint Process is completed when the Operator responds to your complaint or forty-five (45) business days after the date we receive your complaint, whichever occurs first.

7.3. Arbitration. Any Claim arising out of or relating to this Agreement, or the breach, termination, enforcement, interpretation or validity thereof, including any determination of the scope or applicability of the agreement to arbitrate as set forth in this Section 7.3, shall be determined by arbitration in the state of California or another mutually agreeable location, before one neutral arbitrator. The arbitration shall be administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures, and the award of the arbitrator (the “Award”) shall be accompanied by a reasoned opinion. Judgment on the Award may be entered in any court having jurisdiction. This Agreement shall not preclude the Parties from seeking provisional relief, including injunctive relief, in any court of competent jurisdiction. Seeking any such provisional relief shall not be deemed to be a waiver of such party’s right to compel arbitration. The Parties expressly waive their right to a jury trial to the extent permitted by applicable law. Neither party has the right to arbitrate on a class or representative basis any dispute, controversy, or claim arising out of relating to this Agreement.

7.3.1. Arbitration Fees. In any arbitration arising out of or related to this Agreement, the arbitrator shall award to the prevailing party, if any, as determined by the arbitrator, all of its costs and fees. “Costs and fees” mean all reasonable pre-award expenses of the arbitration, including the arbitrator’s fees, administrative fees, travel expenses, out-of-pocket expenses such as copying and telephone, court costs, witness fees, and attorneys’ fees.

7.3.2. Choice of Law. The Parties acknowledge that this the Operator  Agreement evidences a transaction involving interstate commerce. Notwithstanding the provision herein with respect to applicable substantive law, any arbitration conducted pursuant to the terms of this Agreement shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16).

8. Liabilities & Indemnification

8.1. Release of the Operator; Indemnification. If you have a dispute with one or more users of the Platform Services, you release the Operator, its affiliates and service providers, and each of their respective officers, directors, agents, joint venturers, employees and representatives from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. You agree to indemnify and hold the Operator, its affiliates and service providers, and each of its or their respective officers, directors, agents, joint venturers, employees and representatives, harmless from any claim or demand (including attorneys' fees and any fines, fees or penalties imposed by any regulatory authority) arising out of or related to your breach of this Agreement or your violation of any law, rule or regulation, or the rights of any third party.

8.2. Limitation of Liability; No Warranty. IN NO EVENT SHALL the Operator, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES OR REPRESENTATIVES, BE LIABLE (I) FOR ANY AMOUNT GREATER THAN THE VALUE OF THE SUPPORTED DIGITAL ASSETS ASSOCIATED WITH YOUR DIGITAL ASSET WALLET AT THE TIME OF THE EVENT OR CIRCUMSTANCE GIVING RISE TO YOUR CLAIM OR (II) FOR ANY LOST PROFITS, LOSS OF GOODWILL OR REPUTATION, LOSS OF DATA, DIMINUTION IN VALUE OR BUSINESS OPPORTUNITY, ANY LOSS, DAMAGE, CORRUPTION OR BREACH OF DATA OR ANY OTHER INTANGIBLE PROPERTY OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH ANY USE OF THE the Operator SITE OR THE the Operator SERVICES, OR THIS AGREEMENT, EVEN IF the Operator HAS BEEN ADVISED OF OR KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING THE FAILURE OF ANY AGREED OR OTHER REMEDY OF ITS ESSENTIAL PURPOSE, EXCEPT TO THE EXTENT OF A FINAL JUDICIAL DETERMINATION THAT SUCH DAMAGES WERE A RESULT OF the Operator’s GROSS NEGLIGENCE, FRAUD, WILLFUL MISCONDUCT OR INTENTIONAL VIOLATION OF LAW. THIS MEANS, BY WAY OF EXAMPLE ONLY (AND WITHOUT LIMITING THE SCOPE OF THE PRECEDING SENTENCE), THAT IF YOU CLAIM THAT the Operator FAILED TO PROCESS A BUY OR SELL TRANSACTION PROPERLY, YOUR DAMAGES ARE LIMITED TO NO MORE THAN THE LESSER OF THE VALUE OF THE SUPPORTED DIGITAL ASSETS AT ISSUE IN THE TRANSACTION OR THE TOTAL VALUE OF THE SUPPORTED DIGITAL ASSETS ASSOCIATED WITH YOUR DIGITAL ASSET WALLET, AND THAT YOU MAY NOT RECOVER FOR LOST PROFITS, LOST BUSINESS OPPORTUNITIES, DIMINUTION IN VALUE OR OTHER TYPES OF SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES ​OR ANY DAMAGES ARISING OUT OF OR RELATING TO DIGITAL ASSETS THAT ARE NOT SUPPORTED DIGITAL ASSETS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

THE the Operator SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY REPRESENTATION OR WARRANTY, WHETHER EXPRESS, IMPLIED OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, the Operator SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND/OR NON-INFRINGEMENT. the Operator DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT ACCESS TO THE the Operator SITE, ANY PART OF THE the Operator SERVICES, OR ANY OF THE MATERIALS CONTAINED THEREIN, WILL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR ERROR-FREE. the Operator DOES NOT GUARANTEE THAT ANY ORDER WILL BE EXECUTED, ACCEPTED, RECORDED OR REMAIN OPEN. EXCEPT FOR THE EXPRESS STATEMENTS SET FORTH IN THIS AGREEMENT, YOU HEREBY ACKNOWLEDGE AND AGREE THAT YOU HAVE NOT RELIED UPON ANY OTHER STATEMENT OR UNDERSTANDING, WHETHER WRITTEN OR ORAL, WITH RESPECT TO YOUR USE AND ACCESS OF THE the Operator SERVICES AND the Operator SITE. WITHOUT LIMITING THE FOREGOING, YOU HEREBY UNDERSTAND AND AGREE THAT the Operator WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES ARISING OUT OF OR RELATING TO: (I) ANY INACCURACY, DEFECT OR OMISSION OF DIGITAL ASSET PRICE DATA, OR ANY ERROR, DELAY OR INTERRUPTION IN THE TRANSMISSION OF SUCH DATA; (II) VIRUSES OR OTHER MALICIOUS SOFTWARE OBTAINED BY ACCESSING OUR WEBSITES, SOFTWARE, SYSTEMS OPERATED BY US OR ON OUR BEHALF OR ANY OF THE the Operator SERVICES OR ANY WEBSITE OR SERVICE LINKED TO OUR WEBSITE; (III) GLITCHES, BUGS, ERRORS, OR INACCURACIES OF ANY KIND IN OUR WEBSITES, SOFTWARE, SYSTEMS OPERATED BY US OR ON OUR BEHALF OR ANY OF THE the Operator SERVICES; OR (IV) A SUSPENSION OR OTHER ACTION TAKEN WITH RESPECT TO YOUR BUSINESS ACCOUNT.

the Operator will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts and check issuances are processed in a timely manner but the Operator makes no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control.

​​The foregoing limitations of damages, liability and no warranty provisions set forth above in this Section 8.2 are fundamental elements of the basis of the bargain between the Operator and you.

9. General Provisions

9.1. Entire Agreement. This Agreement, the Privacy Policy, E-Sign Disclosure and Consent Policy, Prohibited Use Policy, and Appendices incorporated by reference herein comprise the entire understanding and agreement between you and the Operator as to the subject matter hereof, and supersedes any and all prior discussions, agreements and understandings of any kind (including without limitation any prior versions of this Agreement), between you and the Operator. Section headings in this Agreement are for convenience only and shall not govern the meaning or interpretation of any provision of this Agreement. This Agreement is a legal, valid, and binding obligation, enforceable against your Company in accordance with its terms.

9.2. Assignment. We reserve the right to assign our rights without restriction, including without limitation to any the Operator affiliates or subsidiaries, or to any successor in interest of any business associated with the Platform Services. In the event that the Operator is acquired by or merged with a third party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control. You may not assign any rights and/or licenses granted under this Agreement. Any attempted transfer or assignment by you in violation hereof shall be null and void. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns.

9.3. Severability. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any local, state, or federal government agency, such provision will be changed and interpreted to accomplish the objectives of the provision to the greatest extent possible under any applicable law and the validity or enforceability of any other provision of this Agreement shall not be affected.

9.4. Survival. All provisions of this Agreement which by their nature extend beyond the expiration or termination of this Agreement, including, without limitation, sections pertaining to suspension or termination, Business Account cancellation, debts owed to the Operator, general use of the Platform Site, disputes with the Operator, and general provisions, shall survive the termination or expiration of this Agreement.

9.5. Governing Law. You agree that the laws of the State of California, without regard to principles of conflict of laws, will govern this Agreement and any dispute, except to the extent governed by federal law.

9.6. Force Majeure. We shall not be liable for delays, failure in performance or interruption of service which result directly or indirectly from any cause or condition beyond our reasonable control, including but not limited to, significant market volatility, act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, pandemic, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

9.7. Non-Waiver of Rights. This Agreement shall not be construed to waive rights that cannot be waived under applicable laws, including applicable state money transmission laws in the state where you are located. In addition, our failure to insist upon or enforce strict performance by you of any provision of this Agreement or to exercise any right under this Agreement will not be construed as a waiver or relinquishment to any extent of our right to assert or rely upon any such provision or right in that or any other instance.

9.8. Relationship of the Parties. the Operator is an independent contractor for all purposes. Nothing in this Agreement is intended to or shall operate to create a partnership or joint venture between you and the Operator, or authorize you to act as agent of the Operator.

APPENDIX 1: E-Sign Disclosure and Consent
This policy describes how the Operator delivers communications to you electronically. We may amend this policy at any time by providing a revised version on our website. The revised version will be effective at the time we post it. We will provide you with prior notice of any material changes via our website.

Electronic Delivery of Communications

You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, "Communications") that we provide in connection with your Business Account and your use of Platform Services. Communications include:

Terms of use and policies you agree to (e.g., the the Operator Business User Agreement and Privacy Policy), including updates to these agreements or policies;

Account details, history, transaction receipts, confirmations, and any other Account or transaction information;

Legal, regulatory, and tax disclosures or statements we may be required to make available to you; and

Responses to claims or customer support inquiries filed in connection with your Account.

You consent to the use of electronic signatures in connection with your use of the Services.You specifically agree, opt in and consent to Paperless Delivery of Tax Forms Agreement available at [applicable information page] Operator.com/taxes/settings. You may opt out at any time via the same link.

We will provide these Communications to you by posting them on the Platform Site, emailing them to you at the primary email address listed in your Business Account profile, communicating to you via instant chat, and/or through other electronic communication such as text message or mobile push notification.

Hardware and Software Requirements

In order to access and retain electronic Communications, you will need the following computer hardware and software:

A device with an Internet connection;

A current web browser that includes 128-bit encryption (e.g. a supported web browser version 9.0 and above, a supported web browser version 3.6 and above, a supported web browser version 31.0 and above, or a supported web browser 7.0 and above) with cookies enabled;

A valid email address (your primary email address on file with the Operator); and

Sufficient storage space to save past Communications or an installed printer to print them.

How to Withdraw Your Consent

You may withdraw your consent to receive Communications electronically by contacting us at [applicable information page] Operator.com. If you fail to provide or if you withdraw your consent to receive Communications electronically, the Operator reserves the right to immediately close your Business Account or charge you additional fees for paper copies.

Updating your Information

It is your responsibility to provide us with a true, accurate and complete e-mail address and contact information for your company, and to keep such information up to date. You understand and agree that if the Operator sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, the Operator will be deemed to have provided the Communication to you.

You may update your information by logging into your account and visiting settings or by contacting our support team at [applicable information page] Operator.com.

APPENDIX 2: State License Disclosures
the Operator maintains licenses to engage in money transmission activities in many states, and these licenses may impact our provision and your use of certain Platform Services depending on where you live. the Operator's licenses and corresponding required disclosures can be found on the the Operator Licenses page, which is incorporated by reference.

If you live in the following jurisdictions, we are required to provide you with the following information:

Alaska If your issue is unresolved by the Operator, 1-888-908-7930, please submit formal complaints with the State of Alaska, Division of Banking & Securities.

Please download the form here: [applicable information page]

Submit formal complaint form with supporting documents: Division of Banking & Securities PO Box 110807 Juneau, AK 99811-0807

If you are an Alaska resident with questions regarding formal complaints, please email us at [contact email] or call Nine Zero Seven Four Six Five Two Five Two One

Arizona If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact­-us. If you still have an unresolved complaint regarding the Operator, lnc.'s money transmission activity, you may complete an Online Complaint Form as stated on the File a Complaint against a Financial Institution or Enterprise page: [applicable information page]

Or the AZ e-Licensing Portal for filing a complaint: [applicable information page]

Or you may call the AZ Financial Institutions Division: (602) 771-2800 | Toll-free: (800) 544-0708

Arkansas If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us.

If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file the completed complaint form by e-mailing to [contact email] or by mailing at:

1 COMMERCE WAY, SUITE 402 LITTLE ROCK, ARKANSAS 72202 TELEPHONE: (501) 324-9260 FACSIMILE: (501) 324-9268

Colorado MO7 Customer Notice - COLORADO MONEY TRANSMITTERS ACT

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Colorado Division of Banking.

The Complaint Process

All consumer complaints filed with the Colorado Division of Banking must be submitted in writing. All consumer complaints filed with the Division must be submitted in writing. You will not fill out the form online. Instead, you must download the file to your own device and edit that version. When completing the form, please provide detailed information and fill it out completely.

Complaint Form (PDF)

Send the complaint and supporting documentation by regular mail, facsimile, or electronic mail (e-mail) to the Colorado Division of Banking. NOTE: If filing electronically, scan and/or save the completed complaint form with related attachments to a PDF file, a Word doc, or Zip file, and attach to your E-mail.

Colorado Division of Banking 1560 Broadway, Suite 975, Denver, CO 80202 Phone: 303-894-7575 Fax: 303-894-7570 E-mail: [contact email]

District of Columbia If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Department at:

District of Columbia Department of Insurance, Securities and Banking 1050 First St., NE, Suite 801 Washington, DC 20002 Phone: (202) 727-8000 Fax: (202) 354-1085 E-mail: [contact email]

Consumer Complaint Form Mail-in Version

Florida If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Florida Office of Financial Regulation at: Online: [applicable information page] To file your complaint, you will need to register electronically through Online Services. A valid email address is required.

Florida Office of Financial Regulation - Consumer Finance 200 E. Gaines Street, Tallahassee, FL 32399-0376 850-487-9687

FL Office of Financial Regulation Complaint Portal: [applicable information page]

Georgia Licensed by The Georgia Department of Banking and Finance. (Lic. # 42796/ NMLS# 1163082).

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Georgia Department of Banking and Finance - Consumer Resources: [applicable information page]

Illinois If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Illinois Division of Banking at:

Illinois Department of Financial and Professional Regulation Online: [applicable information page]

Division of Financial Institutions: Fill In and Print Complaint Form for Currency Exchange and Title Insurance [applicable information page]

Kansas If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Office of the State Bank Commissioner.

If submitting electronically, submit your complaint here: [applicable information page]

Mail or fax the completed consumer assistance form and attachments to:

Kansas Office of the State Bank Commissioner: Attn: Consumer Affairs 700 SW Jackson St,

Suite 300 Topeka, KS 66603 Fax: (785) 371-1229 Email: [contact email]

Louisiana Please note the money transmission license issued to the Operator by the Louisiana Office of Financial Institutions does not cover the exchange or transmission of virtual currency.

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Office of Financial Institutions.

All complaints must be submitted in writing. To file a complaint, please complete the complaint form and send to OFI by mail, email, or fax.

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the value of virtual currency.

Transaction in virtual currency may be irreversible, and accordingly, losses due to fraudulent or accidental transactions may not be recoverable.

Some virtual currency transactions may be immediately effective when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

The value of virtual currency may be derived from the continued willingness of market participants to exchange legal tender for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency if the market for the virtual currency declines or collapses for an extended period of time.

Any surety bond required by law for the benefit of customers may not be sufficient to cover all losses incurred by customers.

Customers should perform research before purchasing or investing in virtual currency.

Please see the Operator’s Global Privacy Policy, which describes how the Operator collects, uses and discloses personal information.

Maryland If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Maryland Department of Labor.

The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints from Maryland residents regarding [License No. 12-1163082 and NMLS ID: 1163082] by contacting the Commissioner's office at: 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, or (888) 784-0136. Additional information about the Operator may be obtained at www.nmlsconsumeraccess.org

Minnesota If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file it by contacting the Minnesota Department of Commerce.

To make a complaint, please make a call contacting the following:

Minnesota Department of Commerce 85 8th Place East, Suite 208 Saint Paul, MN 55101 (Local) 651-539-1500 (Complaints) 651-539-1600

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Mississippi The Mississippi Department of Banking & Consumer Finance recommends that you attempt to resolve your complaint with the financial institution first by contacting the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us to allow the opportunity to resolve the issue(s). If you still have an unresolved complaint regarding the Operator's money transmission activity, you may file you complain online at [applicable information page]

Nevada the Operator is licensed by the Nevada Department of Business and Industry as a money transmitter. At this time, the Nevada Department of Business and Industry does not license or regulate services related to virtual currency, including but not limited to virtual currency transmission or exchange which may be conducted by the Operator.

If you have a question or complaint, please first contact the consumer assistance division of the Operator at [applicable information page] Operator.com or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003. If you have an unresolved question or complaint regarding the money transmission services provided by the Operator, you may contact the Nevada Department of Business and Industry at (702) 486-4120.

New York Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender, is not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Legislative and regulatory changes or actions at the state, federal, or international level may adversely affect the use, transfer, exchange, and value of virtual currency.

Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable.

Some virtual currency transactions shall be deemed to be made when recorded on a public ledger, which is not necessarily the date or time that the customer initiates the transaction.

The value of virtual currency may be derived from the continued willingness of market participants to exchange fiat currency for virtual currency, which may result in the potential for permanent and total loss of value of a particular virtual currency should the market for that virtual currency disappear.

There is no assurance that a person who accepts a virtual currency as payment today will continue to do so in the future.

The volatility and unpredictability of the price of virtual currency relative to fiat currency may result in significant loss over a short period of time.

The nature of virtual currency may lead to an increased risk of fraud or cyber attack.

The nature of virtual currency means that any technological difficulties experienced by the Operator may prevent the access or use of a customer’s virtual currency.

Any bond or trust account maintained by the Operator for the benefit of its customers may not be sufficient to cover all losses incurred by customers.

the Operator is regulated and licensed as a money transmitter by the New York State Department of Financial Services. If you have a question or complaint, please first contact the retail assistance division of the Operator at [applicable information page] Operator.com or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003.

For unresolved/written complaints, you may mail a complaint to New York State Department of Financial Services, Consumer Services Division, One State Street, New York, NY 10004-1417, (800) 342-3736, email: [contact email], website: www.dfs.ny.gov/complaint.

North Dakota the Operator is licensed by the North Dakota Department of Financial Institutions as a money transmitter. If you have a question or complaint, please first contact the consumer assistance division of the Operator at [applicable information page] Operator.com or (888) 908-7930, or at its mailing address: 228 Park Ave S #23008, New York, NY, 10003. If you have an unresolved question or complaint regarding the money transmission services provided by the Operator, you may contact the North Dakota Department of Financial Institutions at (701)

328-9933.

Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Rhode Island Please note the following disclosures associated with virtual currency:

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Tennessee the Operator is licensed by the Tennessee Department of Financial Institutions as a money transmitter.

The Tennessee Department of Financial Institutions does not regulate virtual currency. Please note that this license and the required surety bond do not cover the transmission of virtual currency. The Tennessee Department of Financial Institutions does not regulate virtual currency. Tennessee’s Money Transmitter License and the required surety bond do not cover the transmission of virtual currency. However, any company that offers to exchange, administer, or maintain virtual currencies for sovereign currency may be subject to state regulation and licensing as well as federal regulation. To verify a licensed Tennessee Money Transmitter, please click HERE or visit the NMLS Consumer Access website HERE.

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator money transmission activity, please direct your complaint to: [applicable information page] or call the Tennessee Department of Financial Institutions at 1-800-778-4215

Texas If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator money transmission activity, please direct your complaint to: [applicable information page]

Virginia the Operator is licensed by the Virginia State Corporation Commission as a money transmitter, but such license does not cover the transmission of virtual currency (Bitcoin).

Washington Please note the following disclosures associated with virtual currency:

the Operator charges a the Operator Fee when you buy, sell, or convert cryptocurrencies. The the Operator Fee may be discounted based on the payment method you select. For transactions involving cryptocurrency valued under $200, the the Operator Fee will not exceed $10. For all other transactions, the the Operator Fee will not exceed 6% of the USD value of the cryptocurrency. Despite these maximums, the the Operator Fee you will actually pay (which will not exceed the maximum) is calculated and displayed to you at the time you place your order and may be determined by a combination of factors, like your selected payment method, the size of the order, market conditions, and/or jurisdictional location.

Virtual currency is not legal tender in the United States, is not backed by the United States government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections.

Transactions in virtual currency may be irreversible, and, accordingly, losses due to fraudulent, mistaken or accidental transactions may not be recoverable.  If you believe you did not authorize a particular transaction or that a transaction was incorrectly carried out, you must contact us as soon as possible. Reporting an unauthorized transaction does not guarantee the Operator will be able to reverse the transaction or reimburse you for the transaction.

The nature of virtual currency may lead to an increased risk of fraud or cyber attack.

If you have a complaint, please contact the Operator at 1-888-908-7930 or [applicable information page] Operator.com/en/contact-us. If you still have an unresolved complaint regarding the Operator money transmission activity, you may file it by contacting the Washington Department of Financial Institutions at [applicable information page]

APPENDIX 3:  Additional Services
In addition to the Services described in the Agreement, the following services ("Additional Services") may be made available by the Operator to the Operator Business customers that fulfill certain eligibility criteria. The provisions for each Additional Service herein apply to your use of such Additional Service, in addition to the other applicable provisions of the Agreement. If you do not use any Additional Services, then this Appendix does not apply to you.

1. USDC Rewards

USDC IS NOT LEGAL TENDER. USDC IS A SUPPORTED DIGITAL ASSET AND the Operator HAS NO RIGHT TO USE ANY USDC IN YOUR BUSINESS ACCOUNT. the Operator IS NOT A DEPOSITORY INSTITUTION, AND YOUR USDC WALLET IS NOT A DEPOSIT ACCOUNT.

1.1. Eligibility. If you are eligible, you can earn rewards for holding USDC in your Business Account. So long as you hold at least $1 of USDC in your Business Account, you will automatically earn amounts of USDC as described below in the “Calculation” section (“USDC Rewards”). If at any time you do not hold at least $1 of USDC in your Business Account, your enrollment in USDC Rewards will be paused until such time that you do hold at least $1 of USDC in your Business Account. During such period you will retain all USDC Rewards previously accrued but not yet distributed. Such accrued rewards will be distributed as described below in the “Calculation” section. If at any time you are deemed ineligible, your enrollment in USDC Rewards will be similarly paused. You can opt-out of, or back into, USDC Rewards at any time by following the instructions here. If you opt-out of USDC Rewards or close your Business Account, you will forfeit the rewards you have accrued (that are not yet distributed for the current calendar month) up to that time.

1.2. Calculation. Rewards are earned on a daily basis in the form of USDC at the then current USDC Rewards Rate. Our current USDC Rewards Rate can be found here. Our current USDC Rewards Annual Percentage Yield, which includes the effect of monthly compounding, can be found here and here. Rewards earned in a particular month are airdropped into your the Operator USDC wallet within five (5) business days after the start of the next calendar month. USDC Rewards distributed to you are rounded-down to the nearest sixth decimal place. We use the Daily Balance Method to determine the rewards you earn for a particular day, using your average balance of USDC on that specific day as that day’s balance. The rate used to determine rewards earned for a particular day is the then current USDC Rewards Rate divided by 365.

1.3. Changes. We reserve the right to change the USDC Rewards Rate Annual Percentage Yield at any time by notification here and here and by other reasonable means of notice (including e-mail). Unless otherwise stated in the notice, no change will be effective until the first day of the calendar month after such notice is made. We reserve the right to add, change, or delete any provision of these terms and to terminate the USDC rewards program, or your participation in the program, at any time upon notice made in the same manner.

1.4. Definitions.

“USDC Rewards Rate” means the annual rate of rewards earned on a USDC wallet, which does not reflect compounding. The current USDC Rewards Rate can be found here.

“USDC Rewards Annual Percentage Yield” or “APY” means the percentage rate reflecting the total amount of USDC Rewards earned, based on the then current USDC Rewards Rate and end of month compounding for a 365-day period. The current USDC Rewards Annual Percentage Yield can be found here and here.

“Daily Balance Method” means the application of the daily periodic rate (derived from the APY) to the calendar day average of USDC held in your USDC wallet each day.

2. Staking Services
When you hold Supported Digital Assets on the Operator you may be given the option to “stake” eligible assets in a third party proof of stake network via staking services provided by the Operator or an affiliate (including a third party validator operator). Please visit our staking information page for further details on how proof of stake works.

1.1. Staking Services Are Optional and Do Not Affect Ownership. Staking services may be available for some or all of your Supported Digital Assets. YOU ARE NOT REQUIRED TO STAKE WITH the Operator AND YOU CAN REQUEST TO UNSTAKE AT ANY TIME. FOR MORE INFORMATION VISIT THE HELP CENTER. If you choose to stake, the Operator will perform blockchain operations involving your digital assets as described below. This instruction to stake your digital assets does not affect the ownership of your digital assets in any way. For the avoidance of doubt, the provisions for Digital Asset Custody and Title described in Section 2.7 above apply whether or not a digital asset is staked.

1.2. The Service; Rewards; Commission; Limitations. If you stake your assets with us, the Operator, or one of its affiliates, will facilitate the staking of those assets on your behalf by acting as a transaction validator on the applicable network for the Supported Digital Asset you stake. Depending on the protocol, there may be a delay before your assets are eligible to participate in the transaction validation process and earn rewards. If the Operator or an affiliate successfully performs a validation task in that Supported Digital Asset, you may earn a reward granted by that Supported Digital Asset’s network. Rewards are determined by the protocols of the applicable network. If the applicable network distributes any rewards in unstaked form, the Operator will use commercially reasonable efforts to restake those rewards. You may request to unstake your accrued rewards at any time as described in Section 1.4 below. Rewards will be credited to your account by taking into account the amount of your principal and previously accrued rewards that remain staked with the Operator. the Operator will credit your account for any earned rewards after receipt by the Operator, minus a commission. The current commission for each staking asset can be found in the Help Center. the Operator may change these published commissions at any time, including after your assets have been staked. the Operator may also offer lower commissions for certain assets on a promotional basis, and these promotional commissions may differ among the Operator users. You will be notified if you receive a promotional commission offer.

1.3. Slashing. Some Digital Asset networks subject staked assets to “slashing” if the transaction validator representing those assets incorrectly validates a transaction. the Operator will use commercially reasonable efforts to prevent any staked assets from slashing; however, in the event they are, the Operator will replace your assets so long as such penalties are not a result of: (i) protocol-level failures caused by bugs, maintenance, upgrades, or general failure; (ii) your acts or omissions; (iii) acts or omissions of any third party service provider; (iv) a force majeure event as defined in Section 9.6 of the the Operator Business User Agreement; (v) acts by a hacker or other malicious actor; or (vi) any other events outside of the Operator’s reasonable control.

1.4. Protocol Lockups and Unstaking. Some Digital Asset networks require that a certain amount of staked assets be locked (restricted from sale or transfer) for a period of time while staking.

You will need to request for your staked assets to be unstaked before they can be sold or transferred. When you request to unstake, the Operator will take blockchain operations on your behalf to wind-down your assets’ participation in the validation process of the relevant protocol. These blockchain operations may take up to 48 hours to complete, in addition to any applicable protocol unstaking period. Depending on the protocol, you may or may not receive staking rewards during the unstaking process. Expected unstaking periods are estimates only. We will notify you when the unstaking process is complete.

1.5. No Guarantee of Rewards. You have no right to a reward until it is received by the Operator. Rewards will be distributed to your account promptly after they are received by the Operator, except that Boosted Staking Rewards will be distributed in the month after they are received by the Operator, within the first 5 business days of the month. Unless otherwise specified, the “staking rewards rate” disclosed by the Operator for a particular Supported Digital Asset is an annualized historical rate based on the staking rewards generated by the Operator in providing staking services to Platform customers for that Supported Digital Asset, minus our commission. This rate is an estimate and may change over time. the Operator DOES NOT GUARANTEE THAT YOU WILL RECEIVE ANY STAKING REWARDS, INCLUDING THE STAKING REWARDS RATES OR BOOSTED STAKING REWARDS.

1.6. Eligibility. Users who wish to stake through the Operator must meet certain eligibility requirements, as set forth here.  These requirements are subject to change.

1.7. Ethereum Staking and Wrapping. In some jurisdictions, you may choose to obtain the ability to sell, send, spend, or otherwise use your staked ETH by selecting, at your sole discretion, to wrap into a token that represents the ETH that you have staked plus associated rewards. This service is not available everywhere, and additional eligibility requirements may apply. By electing to wrap your staked ETH plus any associated rewards balance into the the Operator Wrapped Staked ETH known as “cbETH” you understand and agree that:

(a) Once wrapped, you cannot redeem your staked ETH or claim any associated rewards except as described in Section 1.8 below.

(b) cbETH represents ownership of ETH staked with the Operator in accordance with this Appendix (including any associated rewards and minus any the Operator fees and slashing penalties). By wrapping staked ETH as cbETH, you remain entitled to all of the economic value, risk, and rewards of the staked ETH.

(c) Selling or otherwise transferring cbETH automatically transfers ownership of the staked ETH and the right to redeem described in Section 1.8 below, and entitles the recipient to the attendant economic value, risk, and rewards of the staked ETH, subject to the terms of this Agreement.

(d) Staked ETH and associated rewards that have been wrapped as cbETH are held by the Operator on behalf of holders of cbETH, and ownership of these assets shall not transfer to the Operator. Section 2.7 of this Agreement shall apply to staked ETH and associated rewards held on behalf of cbETH holders to the same extent as staked ETH held by the Operator on behalf of Platform customers.

(e) cbETH is an ERC-20 token and may be compatible with protocols or other software or technology provided by third parties.

(f) The staked ETH held by the Operator on behalf of cbETH holders are subject to the risk of slashing described in 1.3 above. Depending on when you began staking ETH with the Operator, you may lose certain slashing protection by wrapping your staked ETH.

In addition, you understand, agree and accept the following risks associated with electing to wrap into cbETH:

(g) the Operator does not guarantee the value of your staked ETH principal or associated rewards.

(h) the Operator is not responsible for any decrease in the value of your staked ETH principal or associated rewards.

(i) The price of cbETH could diverge from the price of ETH or staked ETH because of market fluctuations, which may be affected by the actions or inactions of market makers or other market participants who receive loans or other incentives to purchase cbETH.

(j) the Operator does not guarantee that wrapping staked ETH will result in a successful exchange or sale of cbETH, and the Operator will not backstop or otherwise intervene to guarantee cbETH liquidity.

(k) the Operator does not guarantee the security or functionality of any third-party protocol, software or technology intended to be compatible with cbETH and is not responsible for any losses of cbETH due to the failure of third-party protocol, software or technology.

(l) As with the protocols for other Digital Assets, the Operator does not own or control the underlying Ethereum protocol which governs the operation of cbETH.  Accordingly, cbETH is subject to Section 2.6 of this the Operator Business User Agreement, like other Digital Assets.

(m) As with other Digital Assets, cbETH could be impacted by one or more regulatory actions, which could impede or limit the services we can provide with respect to cbETH.

1.8. Unwrapping/Redemption of cbETH

(a) If you hold cbETH in your Business Account and satisfy eligibility requirements, you may instruct the Operator to “unwrap” your cbETH, thereby redeeming your cbETH for staked ETH plus any associated rewards and minus any the Operator fees and slashing penalties. Staked ETH and any associated rewards will remain locked until you request unstaking and the protocol unstaking process is completed as described in Section 1.4 above.

(b) To unwrap cbETH, you will need to be a Platform customer with a Business Account in good standing and be eligible to stake ETH as described above. Additional geographic restrictions may apply, and eligibility is subject to change. Requests to unwrap cbETH may not be processed immediately.

3. Advanced Trading
If eligible, the Operator Business users may access an order book for various Supported Digital Asset and Fiat Currency trading pairs (each an “Order Book”) on the Platform Site (“Advanced Trading”). See your Business Account to see what Order Books are available within Advanced Trading. the Operator does not offer Advanced Trading to customers in all jurisdictions. By accessing Advanced Trading or the the Operator API for Advanced Trading, you accept and agree to be bound by the Trading Rules.

1.1. Trading Fees. By placing an order on Advanced Trading, you agree to pay all applicable fees and authorize the Operator to automatically deduct fees directly from your account. Trading Fees are set forth in the Trading Rules and are available at [applicable information page] Operator.com/legal/trading_rules.

1.2. Trading Account Use. You may not sell, lease, furnish, or otherwise permit or provide access to your Trading Account to any other entity or to any individual that is not an employee or agent of your company. You accept full responsibility for your employees' or agents' use of Advanced Trading, whether such use is directly through the Operator or by other means, such as those facilitated through API keys, and/or applications which you may authorize. You understand and agree that you are responsible for any and all orders, trades, and other instructions entered into Advanced Trading including identifiers, permissions, passwords, and security codes associated with your Business Account.

1.3. Suspension and Cancellation. In the event that your Business Account is suspended or terminated, we will immediately cancel all open orders associated with your account, block all withdrawals and bar the placing of further orders until resolution or account cancellation.

4. Payment Acceptance Services

Please review the following terms and conditions regarding the Payment Acceptance Services, including the “Indemnification” section of these terms.

1.1. Payment Acceptance Services. The the Operator Business Payment Links service (“Payment Links”) allows you to create and share a link to request a specific amount of USDC (or other Digital Assets at the Operator’s discretion) from a third-party payor. The the Operator Business Invoices service (“Invoices”) allows you to generate and track invoices that may be sent to a third-party payor via the Platform Site (Payment Links and Invoices are collectively “Payment Acceptance Services”).

Third-party payors that have been sent a payment link or an invoice (collectively “Payment Acceptance Payors”) may connect a self-hosted wallet (or accounts associated with hosted wallets at the Operator’s discretion) and send USDC to your Digital Asset Wallet. In the event that the Operator, in its sole discretion, permits you to receive other Digital Assets via Payment Acceptance Services, the terms in this section applicable to USDC shall also apply to those Digital Assets.  You acknowledge and agree that the Operator is not party to any transactions conducted through the Payment Acceptance Services (“Payment Acceptance Transaction(s)”), and that the Operator is not responsible for any goods and/or services that you provide to Payment Acceptance Payors. You further acknowledge and agree that, for the purposes of Payment Acceptance Transactions, Payment Acceptance Payors are not the customers of the Operator, even if a Payment Acceptance Payor uses a the Operator account for a Payment Acceptance Transaction.

1.2. Payment Acceptance Protocol. Payment Acceptance Transactions use a smart contracts protocol that enables you to receive USDC as a payment method for goods and services (the “Protocol”). The Protocol has been deployed to Base Chain, a layer-two optimistic rollup on the Ethereum Network. the Operator may also deploy the Protocol to other blockchains from time to time at its sole discretion. the Operator does not store any USDC on behalf of Payment Acceptance Payors for the purposes of Payment Acceptance Transactions. To make a Payment Acceptance Transaction, Payment Acceptance Payors will be required to sign and authorize onchain transactions instructing the delivery of USDC to your Digital Asset Wallet. In order to initiate a Payment Acceptance Transaction, Payment Acceptance Payors may be required to pay fees to the applicable digital asset network on which the Payment Acceptance Transaction takes place.  You are responsible for informing your Payment Acceptance Payors of these fees and to explain to your Payment Acceptance Payors how the Protocol functions, including about any risks associated with Payment Acceptance Transactions.

1.3. Payment Acceptance Services Use. Your use of the Payment Acceptance Services are subject to the Operator’s Prohibited Use Policy. You agree that, in connection with the Payment Acceptance Services, you will comply with all applicable laws including but not limited to export restrictions, end-user restrictions, antiterrorism laws, anti-money laundering laws, and economic sanctions, and you agree that you have adequate controls and systems in place to screen, and are fully responsible for screening transactions of Payment Acceptance Payors and all other third parties who may assist, benefit from, or provide goods or services to, or receive goods or services from, you and to ensure compliance with applicable laws.

the Operator is not responsible for ensuring the accuracy of the instructions that you or Payment Acceptance Payors provide for Payment Acceptance Transactions, and you agree that the Operator shall not be liable in any way for losses that you or your Payment Acceptance Payors may incur as a result of errors or omissions in any Payment Acceptance Transactions. Payment Acceptance Transactions cannot be reversed once they have been broadcast to the relevant digital asset network (although they may be in a pending state, and designated accordingly, while the transaction is processed by network operators). the Operator does not control the digital asset network(s) on which the Payment Acceptance Transactions are made in connection with the Protocol occur, and makes no guarantees that a Payment Acceptance Transaction will be confirmed by the relevant digital asset network(s). The Payment Acceptance Services are subject to the limitations of liability and warranties in the general User Agreement, and the Operator is not liable for any losses you or your Payment Acceptance Payors may incur as a result of (a) digital asset network-level failures caused by bugs, maintenance, upgrades, or general failure; (b) your or your Payment Acceptance Payors’ acts or omissions; (c) acts or omissions of any third party service provider; (d) acts by a hacker or other malicious actor; or (e) any other events outside of the Operator’s reasonable control. Once a Payment Acceptance Transaction is submitted to a digital asset network, the transaction will be unconfirmed and remain in a pending state for a period of time sufficient to allow confirmation of the transaction by the digital asset network. A Payment Acceptance Transaction is not complete while it is in a pending state, and such pending Payment Acceptance Transactions will reflect a pending transaction status. the Operator is not liable for any losses you may incur as a result of issues with the relevant digital asset network (e.g., network outages or excessive network congestion) that causes any Payment Acceptance Transaction to remain in a pending state for an extended duration.

1.4. Indemnification. In addition to any of your indemnification obligations arising under the User Agreement, you will indemnify and hold harmless the Operator and its officers, directors, employees, agents, and other the Operator entities from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your or your Payment Acceptance Payors’ access to or use of the Payment Acceptance Services or the Protocol or (ii) your or your Payment Acceptance Payors’ violation of these terms.

<!doctype html><html lang="en"><head><meta charset="utf-8" /><meta name="viewport" content="width=device-width, initial-scale=1" /><title>Terms of Service — Northmark</title><link rel="stylesheet" href="/home.css" /><link rel="stylesheet" href="/site.css" /><link rel="icon" href="data:image/svg+xml,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 32 32'><rect width='32' height='32' rx='8' fill='%2312b76a'/><path d='M8 23V9l8 9 8-9v14' fill='none' stroke='white' stroke-width='2.6' stroke-linejoin='round' stroke-linecap='round'/></svg>" /></head><body><nav class="site-nav"><a href="/welcome.html" class="logo" style="color:inherit"><span class="mk">◣◤</span> Northmark</a><div class="spacer"></div><div class="nav-cta"><a href="https://t.me/northmarksupport_bot" class="btn ghost">Contact</a><a href="/" class="btn primary">Open app</a></div></nav><main class="legal"><h1>Terms of Service</h1><p class="updated">Last updated: July 2026</p><p class="callout">Northmark is a trading platform for digital assets and live market data. Nothing here is financial advice.</p><h2>1. Acceptance</h2><p>By creating an account or using Northmark (the "Service"), you agree to these Terms. If you do not agree, do not use the Service. You must be legally able to enter into this agreement in your jurisdiction.</p><h2>2. What Northmark is</h2><p>The Service lets you trade digital assets against real market data. Northmark provides trading tools and market access. Nothing on the Service is investment advice, and you are responsible for your own trading decisions.</p><h2>3. Your account</h2><p>You are responsible for the activity under your account and for keeping your credentials secure. Provide accurate information, keep your password confidential, and enable two-factor authentication where offered. Notify us promptly of any unauthorized use.</p><h2>4. Acceptable use</h2><p>You agree to use the Service lawfully and not to: (a) exploit, manipulate, or abuse the platform, including multi-account farming, automated abuse, or attacks on the data feed or APIs; (b) reverse engineer or disrupt the Service; or (c) use the Service to harm others. We may suspend or remove accounts that violate these Terms.</p><h2>5. Balances and rewards</h2><p>Competitions, bonuses, and promotional rewards may carry conditions and can be adjusted, credited, or revoked for operational, promotional, or moderation reasons.</p><h2>6. Market data</h2><p>Market data is sourced from third-party feeds and may be delayed, incomplete, or interrupted. It is provided "as is" and may not be suitable as the sole basis for trading decisions.</p><h2>7. No investment advice</h2><p>Nothing on the Service is financial, investment, tax, or legal advice. Past performance does not guarantee future results.</p><h2>8. Availability &amp; changes</h2><p>We may modify, suspend, or discontinue any part of the Service at any time. We may update these Terms; continued use after changes constitutes acceptance.</p><h2>9. Disclaimers &amp; limitation of liability</h2><p>The Service is provided "as is" and "as available" without warranties of any kind. To the maximum extent permitted by law, Northmark is not liable for any indirect, incidental, or consequential damages arising from your use of the Service.</p><h2>10. Termination</h2><p>You may stop using the Service at any time. We may suspend or terminate your access for any breach of these Terms.</p><h2>11. Contact</h2><p>Questions about these Terms? <a href="https://t.me/northmarksupport_bot">Contact us</a>.</p></main><footer class="site-footer"><div class="wrap"><div class="footer-legal"><span>© 2026 Northmark.</span><span><a href="/terms.html" style="color:var(--muted)">Terms</a> · <a href="/privacy.html" style="color:var(--muted)">Privacy</a> · <a href="https://t.me/northmarksupport_bot" style="color:var(--muted)">Contact</a></span></div></div></footer></body></html>