Plumex.io

Document Control (B2B Terms)

• Document: Terms & Conditions (Business Customers) — Master Services Agreement
• Version: 1.0
• Effective date: 16 December 2025
• Contracting entity: LMLP consulting, s.r.o. (Czech Republic), IČO 22380949
• Covered domains / services: plumex.io + any official Plumex app(s)/APIs (if applicable)
• Language: English
• Jurisdiction (intended): Czech Republic (subject to mandatory rules)

1. Parties, structure, and acceptance

1.1 Parties. These Terms are between:

• LMLP consulting, s.r.o. (the “Company”, “Plumex”, “we”, “us”), and
• the business entity accepting these Terms (the “Customer”, “you”).

1.2 Authorised signatory. The person accepting these Terms represents and warrants they have authority to bind the Customer.

1.3 Agreement structure. This agreement consists of:

• these Business Terms;
• any Order Form / Statement of Work (if used);
• incorporated policies and schedules (Section 2); and
• any additional third-party terms applicable to services delivered by third parties (Section 6).

1.4 Acceptance. By (i) signing an Order Form, (ii) clicking acceptance, or (iii) using the Platform for business purposes, you enter into this Agreement.

2. Incorporated documents and precedence

2.1 Incorporated documents. The following documents are incorporated by reference (where published/available):

• Privacy Policy (for personal data of representatives/users)
• AML/KYC/KYT notices (verification and screening expectations)
• Fees & Limits disclosures shown in the Platform / Order Form (if any)
• Refund / Cancellation / Chargeback Policy (where relevant by payment method)

2.2 Precedence. In case of conflict:

1. a signed Order Form/SOW for the relevant services; then
2. any transaction-specific pre-confirmation disclosures (e.g., swap quote); then
3. these Business Terms; then
4. policies/schedules, unless mandatory law requires otherwise.

3. Definitions

• “Account”: the Customer’s Plumex account and any sub-accounts/profiles.
• “Authorised Users”: employees/contractors you authorise to access the Platform under your Account.
• “Custodial Wallet”: a wallet model where the Company controls private keys and provides access/security.
• “Digital Assets”: supported cryptoassets/virtual assets.
• “Swap”: crypto↔crypto exchange where rate/fee are shown before execution.
• “Internal Transfer”: transfer between Platform users by ID/username, generally instant, off-chain.
• “Blockchain Transfer”: on-chain deposit/withdrawal to external wallet address; generally irreversible.
• “Third-Party Cash Partner”: independent partner providing cash in/out; not subsidiary/affiliate; Plumex does not handle cash and provides technical integration/status display only.
• “Restricted Jurisdictions”: jurisdictions or persons/addresses restricted due to sanctions/high-risk policies.

4. Regulatory status disclosure

4.1 Czech entity and trade scope. Public information indicates the Company’s activity includes “services connected with virtual assets” under general trade scope; this alone is not a financial services authorisation.

4.2 No representation of authorisation. Unless explicitly stated with a public register reference, we do not represent that we are authorised by the Czech National Bank or another regulator.

4.3 Compliance operations. The Platform includes AML/CTF posture (KYC, sanctions, transaction monitoring) and may reference Czech AML rules in public compliance documentation.

5. Eligibility and onboarding

5.1 Eligibility. You must:

• be a duly incorporated business with valid registration;
• not be located in, organised under, or controlled from a Restricted Jurisdiction; and
• not be owned/controlled by sanctioned persons.

5.2 KYB and KYC. We may require KYB/KYC information, including:

• corporate documents, beneficial ownership details, management details;
• identity verification of directors/UBOs/Authorised Users;
• source-of-funds/source-of-wealth information; and
• ongoing periodic refresh.

5.3 Ongoing monitoring (KYT). We may monitor activity for fraud, sanctions, and AML risk and may delay, restrict, suspend, or close accounts where required or risk-justified.

5.4 No reliance representation. Not disclosed publicly: whether we provide “reliance” services on third-party KYC/KYB. Unless agreed in an Order Form, you remain responsible for your own compliance obligations.

6. Services

Subject to availability, successful onboarding, and compliance checks, the Platform may enable:

6.1 Custodial wallet services. Storage/access to Digital Assets via Custodial Wallet.

6.2 Swaps (crypto↔crypto). Rate and fee disclosed before execution; swaps are generally final once executed.

6.3 Internal Transfers. Transfers between Platform users by ID/username, generally instant and without blockchain network fees.

6.4 Blockchain Transfers. Deposits/withdrawals to external addresses; subject to sanctions/risk screening and potential AML delay.

6.5 Fiat-related features (if enabled). Website posture references IBAN and card features; the underlying regulated providers/issuers are not disclosed publicly in the reviewed materials.
Accordingly, if such features are offered to you, they may be delivered partly/entirely by Third-Party Service Providers and subject to their terms. You agree to comply with those third-party terms.

6.6 Third-Party Cash Partner Network (cash in/out). Where enabled, cash in/out is provided by independent Third-Party Cash Partners. Plumex:

• does not accept, handle, or disburse cash;
• partners are not subsidiaries/affiliates;
• Plumex is not the financial intermediary in those cash transactions;
• Plumex provides only technical integration and status display.

7. Account administration and Authorised Users

7.1 Account owner. The Customer is responsible for all activity under its Account, including activity by Authorised Users.

7.2 User access controls. You must implement appropriate internal controls (least privilege, approvals, dual-control for withdrawals if available, device security, strong 2FA).

7.3 Credentials and security. You must safeguard credentials and notify us promptly of any suspected compromise.

8. Fees, pricing, taxes, and payment

8.1 Fees. Fees may include explicit fees and/or spreads for swaps, withdrawal fees, and third-party fees. Any transaction-specific fees must be shown before you confirm the transaction.

8.2 Fee schedule. Not disclosed publicly: a complete numeric fee schedule and limits by tier. If you require fixed pricing, it must be set out in an Order Form.

8.3 Taxes. You are responsible for any taxes arising from your use of the Platform (including VAT, corporate income taxes, withholding taxes), unless required by law otherwise.

8.4 Third-party charges. Third-party rails and Third-Party Cash Partners may charge fees; where shown, they are provided for convenience and remain the third party’s responsibility.

9. Transaction execution, reversals, and finality

9.1 Swaps. Once executed, swaps are typically final and non-refundable due to market and settlement constraints.

9.2 Internal Transfers. Generally final once completed. Mistaken recipient identifiers may be unrecoverable.

9.3 Blockchain Transfers. Generally irreversible once broadcast on-chain. You are responsible for address/network/memo accuracy. AML/sanctions screening may delay or block execution.

9.4 Manifest error. If a transaction is executed due to a manifest technical error, we may correct/void/reverse only to the extent technically feasible and legally permitted.

10. Compliance, prohibited use, and sanctions

10.1 Prohibited use. You must not use the Platform for illegal activity, fraud, sanctions evasion, or money laundering/terrorist financing.

10.2 Sanctions and restricted jurisdictions. We may restrict or refuse service based on sanctions or risk policy.
Open question / evidence required: the definitive Restricted Jurisdictions list and policy governance.^[a]

10.3 Requests and evidence. We may request additional information, documentation, or transaction context at any time to comply with AML/sanctions obligations. Failure to provide may result in holds, restrictions, or termination.

11. Service availability

11.1 As-available. The Platform is provided on an “as available” basis. Maintenance, security events, compliance reviews, and third-party dependencies may cause interruptions.

11.2 No SLA by default. Unless an SLA is stated in an Order Form, no processing-time guarantees or uptime commitments apply.

12. Intellectual property and licence

12.1 Our IP. The Platform, software, branding, and documentation are owned by us or our licensors.

12.2 Customer licence. We grant you a limited, non-exclusive, non-transferable licence to access and use the Platform for your internal business purposes during the term, subject to this Agreement.

12.3 Restrictions. You must not reverse engineer, copy, scrape, or misuse the Platform, except where permitted by mandatory law.

13. Confidentiality

13.1 Confidential Information. Each party may receive confidential information of the other.

13.2 Obligations. The receiving party will:

• use it only to perform under this Agreement;
• protect it with reasonable care;
• not disclose it except to staff/advisers with a need-to-know under confidentiality.

13.3 Exceptions. Confidentiality does not apply to information that is public, independently developed, or lawfully obtained.

13.4 Compelled disclosure. Disclosure may be made where required by law, court order, or competent authority request.

14. Data protection (GDPR)

14.1 Roles. For the Platform’s core operations, we act as controller of personal data of representatives/Authorised Users for account, security, and compliance purposes (see Privacy Policy).

14.2 DPA (if applicable). If the services involve us processing personal data on your behalf as a processor (e.g., via API services), a separate Data Processing Addendum is required.
Not disclosed publicly: whether a DPA template exists.

15. Third-party services and liability boundary

15.1 Third-party dependency. Some components may be delivered by third parties (e.g., liquidity providers, infrastructure, fiat rails, cash partners). You agree that third-party terms may apply.

15.2 Cash partner boundary. For Third-Party Cash Partner services, you acknowledge:

• the cash transaction is between you and the partner;
• Plumex does not handle cash;
• partner disputes must be raised with the partner first;
• Plumex’s role is technical integration/status display only.

16. Warranties and disclaimers

16.1 Customer warranties. You warrant that:

• you will use the Platform lawfully and in compliance with sanctions/AML rules;
• your Authorised Users act under your direction and authority;
• your funds and assets are not derived from illegal activity.

16.2 Disclaimers. To the maximum extent permitted by law:

• we provide no warranty of uninterrupted availability;
• we do not provide investment, tax, or legal advice;
• we do not guarantee that Digital Assets or networks will function without interruption.

17. Liability, caps, and indemnities

17.1 Exclusions. To the maximum extent permitted by law, neither party is liable to the other for indirect or consequential losses (lost profits, loss of business, loss of goodwill).

17.2 Cap. Placeholder (requires confirmation): The parties should agree a liability cap (e.g., fees paid in the last 3/6/12 months, or a fixed amount). Until agreed, do not publish a numeric cap.

17.3 No liability for blockchain conditions. We are not liable for network congestion, forks, validator issues, third-party wallet/provider failures, or losses resulting from incorrect address/network/memo entries by you.

17.4 Third-party services. We are not liable for acts/omissions of Third-Party Cash Partners and other third parties outside our control.

17.5 Indemnity by Customer. You will indemnify us for third-party claims and losses arising from:

• your breach of this Agreement;
• unlawful use; or
• your Authorised Users’ misconduct,
  except to the extent caused by our breach.

18. Suspension and termination

18.1 Suspension. We may suspend access immediately for security, compliance, sanctions, fraud risk, or breach.

18.2 Termination for convenience. Either party may terminate with [X] days written notice. (Placeholder: choose X.)

18.3 Termination for cause. Either party may terminate immediately if the other materially breaches and fails to cure within [Y] days after notice. (Placeholder.)

18.4 Effects of termination. Subject to legal/compliance holds, we will provide a reasonable opportunity for you to withdraw Digital Assets and close positions. Fees may still apply.

19. Changes to the Agreement

We may update these Terms by publishing a revised version and notifying you via the Platform or email. If you continue using the Platform after the effective date, you accept the updated Terms.

20. Governing law and dispute resolution

20.1 Governing law. Czech Republic.

20.2 Courts. Competent courts of the Czech Republic.

20.3 ADR/ombudsman. Not applicable by default in B2B unless agreed.

21. Notices and contact

21.1 Notices to you. We may send notices by email, in-app, or through the Platform.

21.2 Contact.

• Postal: Spojovací 2604/48, Praha 3, 130 00, Czech Republic
• Email: hello@plumex.io