1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and [Your Company Name] ("Company," "we," "us," or "our") governing your access to and use of our financial services platform (the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree, you must immediately discontinue all use of our Services.

2. Eligibility Requirements

To use our Services, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction)
• Possess full legal capacity to enter binding contracts
• Not be a resident of any restricted jurisdictions (currently including but not limited to: Cuba, Iran, North Korea, Syria, Crimea Region)
• Not appear on any sanctions lists (OFAC, UN, EU, etc.)
• Complete our Know Your Customer (KYC) and Anti-Money Laundering (AML) verification procedures
• Maintain only one account per individual/entity

We reserve the right to refuse service to anyone at our sole discretion.

3. Account Registration and Security

3.1 Account Creation

You must provide accurate, current, and complete information during registration and maintain its accuracy.

3.2 Security Obligations

You agree to:

• Maintain confidentiality of all login credentials
• Enable two-factor authentication (2FA) where available
• Immediately notify us of any unauthorized access
• Assume full responsibility for all activities under your account

3.3 Account Termination

We may suspend or terminate accounts for:

• Violation of these Terms
• Suspicious or fraudulent activity
• Regulatory compliance requirements
• Extended inactivity (12+ months)

4. Financial Services Terms

4.1 General Provisions

• All transactions are final with no refunds except as required by law
• We reserve the right to cancel/reverse suspicious transactions
• Minimum/maximum limits apply to all financial operations
• Market risks are borne solely by the user

4.2 Fees and Charges

You agree to pay all applicable fees as published in our Fee Schedule, which may include:

• Transaction fees (0.1%-2% per transaction)
• Network/miner fees (variable)
• Currency conversion fees (0.5%-3%)
• Inactivity fees (after 12 months)

4.3 Tax Compliance

You are solely responsible for:

• Reporting all taxable events to appropriate authorities
• Paying all applicable taxes (capital gains, income, VAT, etc.)
• Maintaining complete transaction records

We may report transaction information to tax authorities as required by law.

5. Prohibited Activities

You expressly agree not to:

• Illegal Activities: Use Services for money laundering, terrorist financing, or other crimes
• Fraud: Initiate chargebacks or payment reversals after receiving services
• Market Manipulation: Engage in wash trading, spoofing, or pump-and-dump schemes
• Security Threats: Introduce malware, viruses, or conduct DDoS attacks
• Circumvention: Attempt to bypass geographic restrictions or account limits
• Abuse: Harass other users or our staff

6. Intellectual Property Rights

All platform content, including:

• Software code and algorithms
• Trademarks and logos
• Proprietary market data
• User interface designs

are owned by or licensed to [Your Company Name] and protected under international IP laws.

Limited license is granted for personal, non-commercial use only.

7. Limitations of Liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, or consequential damages
• Total liability for any claim is limited to fees paid by you in the 6 months preceding the claim
• We disclaim all warranties (express or implied) including merchantability and fitness for purpose
• We are not responsible for third-party services, including banking partners

This limitation does not apply where prohibited by law.

8. Indemnification

You agree to defend, indemnify, and hold harmless [Your Company Name] and its affiliates from:

• Your breach of these Terms
• Your violation of any laws or third-party rights
• Any unauthorized use of your account
• Your tax reporting failures

This includes reasonable attorneys' fees and litigation costs.

9. Dispute Resolution

9.1 Informal Negotiation

Parties agree to attempt good-faith resolution for 60 days before initiating formal proceedings.

9.2 Binding Arbitration

Except for IP or injunctive relief claims, all disputes shall be resolved by confidential arbitration under [Rules] administered by [Arbitration Body].

Arbitration occurs in [Jurisdiction] and awards may be enforced in any competent court.

9.3 Class Action Waiver

Claims must be brought individually, not as class actions or consolidated proceedings.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Jurisdiction], without regard to conflict of law principles.

11. Modifications

We may amend these Terms at any time by:

• Posting revised Terms on our website
• Providing 30 days' notice for material changes
• Your continued use constitutes acceptance

12. General Provisions

• Entire Agreement: These Terms supersede all prior agreements
• Severability: If any provision is invalid, the remainder remains enforceable
• No Waiver: Failure to enforce any right doesn't constitute waiver
• Force Majeure: Not liable for delays beyond reasonable control
• Assignment: You may not transfer rights without our written consent

13. Contact Information

For service of legal process: [Registered Agent Information]