These Terms identify the parties, explain when each contract is formed, allocate the services available through the Plumex platform and establish the rules applying across the provider-specific schedules.

1. About these Terms

1.1 This document contains the Plumex Multi-Party Terms of Use (the “Terms”). The Terms also include the Custody Services Schedule, the Exchange and Fiat Services Schedule, the Fees and Limits Schedule, the Risk Disclosure, the AML/KYC Notice, the Privacy Notice, the Complaints Policy, the Refunds and Failed Transactions Policy, the Account Deletion and Retention Policy, and any other schedule or notice expressly incorporated into the Terms.

1.2 The Terms govern access to the Plumex application and platform and the separate custody, exchange and fiat services made available through it. The provider responsible for each service is identified below and in the applicable provider-specific schedule.

1.3 You must read the Terms before creating an account or using a service. By selecting the acceptance box, completing another electronic acceptance step or using a service after the Terms are presented to you, you confirm that you have read and accepted the documents applicable to that service.

1.4 Electronic acceptance, transaction confirmations and records stored by the platform or the relevant provider may be used to evidence the version of the Terms you accepted, the time of acceptance and the service or transaction concerned.

1.5 Nothing in the Terms excludes rights or remedies that cannot lawfully be excluded under mandatory consumer or other applicable law.

2. Parties and separate contractual relationships

2.1 In the Terms, “you” and “user” mean the individual who creates and uses a Plumex account in their own name and for their own benefit.

2.2 Plum Labs s.r.o. is your contracting party for access to the Plumex platform, the platform account, software functionality and general platform support (the “Platform Agreement”).

2.3 Capitalista S.A. is your direct contracting party for crypto-asset custody if you accept the Custody Services Schedule and the Custody Service is activated for you (the “Custody Agreement”).

2.4 Innovate Payments Inc. is your direct contracting party and principal for supported crypto-to-crypto, fiat-to-crypto and crypto-to-fiat services. The Exchange and Fiat Services Schedule creates the framework for those services. A separate transaction contract is formed only when IPI accepts a specific order.

2.5 LMLP consulting s.r.o. provides non-contracting technical, identity-verification and jurisdiction-routing services. LMLP does not enter into a custody, exchange or fiat-services contract with you and does not hold your fiat or crypto-assets, set transaction prices, accept orders or act as principal or transaction counterparty.

2.6 Each provider is a separate legal person and is responsible only for the service allocated to it. The integration of services within the Plumex platform does not create a partnership, agency, corporate group, parent-subsidiary relationship or joint venture between the providers.

2.7 To the extent permitted by applicable law, no provider is jointly or severally liable for another provider’s acts, omissions, debts or service obligations unless the applicable schedule expressly states otherwise.

3. Provider map

4. Corporate and registration information

4.1 Capitalista S.A. is incorporated in the Republic of Panama under Law 32 of 1927 and is registered under Mercantile Folio 155759981. Its role under the Terms is limited to the Custody Service described in the Custody Services Schedule.

4.2 Innovate Payments Inc. is incorporated in British Columbia, Canada under number BC1464778. IPI is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a money services business under number C100000559 for foreign exchange dealing, money transferring and dealing in virtual currency. IPI is also registered with the Bank of Canada as a payment service provider under the Retail Payment Activities Act.

4.3 Registration with FINTRAC or the Bank of Canada does not constitute a licence, endorsement or guarantee by either authority. The registration status of a provider does not guarantee the performance, availability, value or safety of any transaction.

4.4 App Store availability, publication by Plum Labs or integration in the Plumex platform does not constitute regulatory approval or government endorsement of Plumex or any provider.

5. How the services interact

5.1 Creating a platform account does not automatically activate the Custody Service, Exchange Service or Fiat Service. Each service remains subject to eligibility checks, provider acceptance, availability, limits and the applicable schedule.

5.2 Supported crypto-assets deposited for custody are received and recorded by Capitalista in accordance with the Custody Services Schedule. Plum Labs and LMLP do not hold or control those crypto-assets.

5.3 For an order accepted by IPI, the crypto-assets required for execution may be transferred by Capitalista to IPI or to a settlement address disclosed for that order. Such transfer is limited to execution and settlement of the accepted order.

5.4 Fiat transfers are provided under IPI’s responsibility through the payment method and infrastructure shown in the transaction flow. IPI may use PSP (TBD) or another banking or payment provider disclosed before confirmation.

5.5 The transaction flow will display the responsible provider, amount, currency or crypto-asset, applicable account or wallet details, fees and material transaction terms before you confirm. You must not send funds or crypto-assets to details that are not shown in the applicable flow.

5.6 IPI does not provide continuing crypto-asset custody under the Ukraine service route. Crypto-assets resulting from an exchange are returned to Capitalista custody or transferred in accordance with your accepted instruction, subject to eligibility, technical and compliance controls.

5.7 Unless the applicable provider-specific terms expressly state otherwise, the services are not bank deposits and are not covered by a bank-deposit guarantee, investor-compensation scheme or government guarantee.

6. Eligibility and supported territory

6.1 You must be at least 18 years old, have legal capacity to enter into the applicable agreements and use the account only for yourself and not on behalf of an undisclosed third party.

6.2 Eligibility is determined by country of residence, actual location, identity-verification results, sanctions and other risk controls. Nationality alone does not determine eligibility.

6.3 The Ukraine v1 route is intended only for eligible users resident and located in a supported territory for the relevant service. It is not available to persons residing in or accessing the services from the European Union, the European Economic Area or another unsupported or restricted jurisdiction.

6.4 You must provide accurate and current information and use payment accounts, bank accounts and wallets held in your own name or otherwise expressly approved by the relevant provider.

6.5 A provider may request additional identification, residence, source-of-funds, wallet-ownership or other evidence and may decline or restrict a user or transaction where required by law, sanctions, fraud-prevention, security, provider policy or risk controls.

6.6 Supported countries, assets, networks, currencies, payment methods and transaction types are set out in the Availability Schedule and may be further limited in the app for a particular user.

7. Acceptance and formation of contracts

7.1 The Platform Agreement is formed when you accept these Terms and your platform account is created or continued.

7.2 The Custody Agreement is formed only after you accept the Custody Services Schedule and Capitalista confirms activation of the Custody Service. A displayed deposit address does not alter the provider allocation stated in the Custody Services Schedule.

7.3 The Exchange and Fiat Services Schedule creates a framework with IPI. A displayed quote, estimated rate or order submission is not an accepted transaction. A transaction contract is formed only when IPI confirms acceptance of the order.

7.4 A provider may reject an application, service activation or order before acceptance without creating an obligation to complete the proposed service or transaction, subject to applicable law.

7.5 You are responsible for reviewing the provider identity, amount, asset, network, payment method, fees and destination shown before acceptance. Once accepted or transmitted to a blockchain or payment system, a transaction may be irreversible as described in the applicable schedule.

8. Supporting providers

8.1 The responsible provider may use banking, payment, identity-verification, blockchain analytics, cloud, infrastructure, customer-support or other service providers to perform or support its obligations.

8.2 IPI may use PSP (TBD) or another disclosed banking or payment provider for fiat transfers. The account holder, beneficiary or recipient displayed in the transaction flow may therefore be IPI or an approved payment provider acting within the disclosed structure.

8.3 The platform and the relevant providers may use Sumsub and blockchain-screening technology, including AMLBot, for identity verification, sanctions, fraud and transaction-risk controls.

8.4 Use of supporting infrastructure does not by itself make the infrastructure provider your custody or exchange counterparty. The responsible contracting provider remains identified in the provider map and the applicable schedule, unless separate terms expressly provide otherwise.

9. Document hierarchy

9.1 Mandatory applicable law prevails over the Terms.

9.2 For transaction-specific commercial details, the accepted transaction confirmation or quote prevails over general fee, amount, rate and settlement information, but only for that transaction.

9.3 A provider-specific schedule prevails over these Terms for matters relating exclusively to the service governed by that schedule.

9.4 These Terms prevail over the Legal Entity and Service Provider Disclosure and general website or marketing content.

9.5 The Privacy Notice governs the processing of personal data. The AML/KYC Notice explains compliance measures but does not limit a provider’s legal or contractual rights to request information or restrict a service.

9.6 Marketing statements, frequently asked questions, social-media content and app-store descriptions do not amend the Terms.

10. Changes to providers, services and documents

10.1 A provider, payment rail, supported service or territory may change. A material change affecting the identity of your contracting party, custody of assets, treatment of fiat funds or material user rights will be notified through the app, email or another durable electronic method.

10.2 Where required by law or the nature of the change, you may be asked to accept updated terms before continuing to use the affected service.

10.3 A provider may immediately suspend or limit a service where necessary for legal, sanctions, fraud, security, operational or risk reasons. Where permitted, information about the restriction and available next steps will be provided.

10.4 A change of provider does not transfer your assets, funds, data or contract automatically unless the applicable notice, consent or legal mechanism permits it. Provider succession and any required migration process will be explained separately.

11. Communications, support and language

11.1 Notices and contractual communications may be provided through the app, the email address linked to your account, the website or another durable electronic method.

11.2 General platform support is available at support@plumex.io. Complaints may be submitted to complaints@plumex.io. A service-specific matter will be routed to the responsible contracting provider.

11.3 The Terms are published in English and Ukrainian. For the Ukraine service route, the Ukrainian version prevails in the event of inconsistency, unless mandatory applicable law requires otherwise.

11.4 You must keep your contact information current and review notices made available through the platform.

12. Core definitions

“App” the Plumex mobile application published by Plum Labs.

“Capitalista” Capitalista S.A., the provider of the Custody Service under the Custody Services Schedule.

“Custody Service” the receipt, holding, recording and authorised transfer or withdrawal of supported crypto-assets provided by Capitalista.

“Exchange Service” a supported crypto-to-crypto transaction provided by IPI as principal.

“Fiat Service” a supported fiat-to-crypto, crypto-to-fiat or related fiat-transfer service provided by IPI through the payment infrastructure shown in the transaction flow.

“IPI” Innovate Payments Inc., the provider and principal for the Exchange Service and Fiat Service.

“Platform” the Plumex software, user interface, platform account and related technology operated by Plum Labs.

“Provider” Plum Labs, Capitalista or IPI when acting in relation to the service allocated to it.

“Schedule” a provider-specific or subject-specific document incorporated into the Terms.

“Transaction” an order accepted by IPI for an Exchange Service or Fiat Service.

“Ukraine Service Route” the service configuration intended for eligible users under the Ukraine App Store storefront and the applicable residence and actual-location controls.

13.1 Fees, spreads, network costs, payment-provider charges, minimum and maximum amounts and service limits are shown in the Fees and Limits Schedule, the App or the transaction flow before confirmation where relevant.

13.2 For an accepted transaction, the transaction confirmation governs the specific amount, rate, spread, fees and settlement terms, subject to correction of an obvious error, fraud or legal restriction.

13.3 Blockchain-network, correspondent-bank, intermediary, receiving-bank or other third-party charges may be deducted or charged separately where disclosed or imposed outside the responsible provider’s reasonable control.

13.4 Limits may depend on verification level, residence, Actual Location, payment method, asset, network, liquidity and lawful risk factors. A provider may reduce a limit immediately for security, compliance, fraud, liquidity or operational reasons.

13.5 You are responsible for determining and meeting tax, duty, reporting and accounting obligations arising from use of the services. A provider may make a legally required withholding or report.

14. Orders, transfers, execution and finality

14.1 An order is a request and may be rejected, expire or require a new quote before acceptance. A displayed quote, estimated rate, status or order submission is not an accepted transaction unless IPI confirms acceptance.

14.2 Before confirmation, you must review the responsible provider, amount, asset or currency, network, destination, rate, spread, fees, payment method and material settlement conditions.

14.3 You must use only the bank, vIBAN, beneficiary, wallet or payment details displayed for the specific transaction. Payments or transfers sent using other details may be delayed, rejected, returned or lost.

14.4 Third-party payments are prohibited unless IPI expressly approves the arrangement. The user, payer, bank-account holder and wallet owner may be required to match.

14.5 A blockchain transaction may be irreversible once broadcast or confirmed. A bank or payment transfer may become irreversible, subject to mandatory rights, once released to the relevant system or beneficiary.

14.6 Technical receipt, a pending status or an apparent credit does not constitute final acceptance or settlement. Finality depends on the responsible provider’s record and reliable blockchain, banking or payment-system evidence.

14.7 Failed, delayed, duplicated, returned, recalled, reversed or misdirected transactions are handled under the applicable Schedule and the Refunds and Failed Transactions Policy.

15. Compliance, sanctions and monitoring

15.1 Capitalista makes final compliance decisions for custody. IPI makes final compliance decisions for exchange and fiat services. Plum Labs may apply Platform-security controls. LMLP provides technical support and does not replace the responsible provider’s decision.

15.2 Providers may verify identity, residence, Actual Location, beneficial ownership, source of funds or wealth, payment counterparties, wallet control, transaction purpose, sanctions exposure, politically exposed person status, adverse information, fraud indicators and blockchain risk.

15.3 Providers may monitor accounts and transactions and use automated tools to identify risk. Material adverse decisions may be referred for human review where required by law, provider policy or the nature of the risk.

15.4 A provider may delay, reject, restrict, freeze, return, report or terminate a service or transaction where required or permitted by law, sanctions, court or authority order, fraud prevention, security, a payment-provider requirement or proportionate risk controls.

15.5 A provider may be legally prohibited from explaining a suspicious-activity report, law-enforcement request, sanctions action or other confidential measure.

15.6 You must provide reliable information and cooperate with reasonable requests. Failure to do so may prevent activation, execution, withdrawal, refund or continued use.

16. Prohibited use

16.1 You must not use the Platform or services for money laundering, terrorist financing, proliferation financing, fraud, corruption, sanctions evasion, trafficking, ransomware, stolen property, unlawful gambling, prohibited goods or services, market manipulation or other illegal activity.

16.2 You must not receive, hold, exchange or transfer assets for an undisclosed third party, act as an unapproved intermediary, or operate a commercial exchange, payment or money-service business through a personal account.

16.3 You must not provide false or misleading information, impersonate another person, conceal beneficial ownership, manipulate verification, use an unexplained or unlawful source, or misuse another person’s bank account, wallet or identity.

16.4 You must not bypass geographic, security, verification, transaction or risk controls; abuse promotions; create duplicate accounts; conduct artificial or circular transactions; exploit vulnerabilities; scrape systems; or interfere with an investigation or legal obligation.

16.5 A provider may preserve evidence and take proportionate protective action in response to suspected prohibited use.

17. Privacy and personal data

17.1 The Privacy Notice identifies the entity processing personal data for each service and explains purposes, legal bases, data categories, recipients, international transfers, retention, security and data-subject rights.

17.2 Plum Labs processes data needed for the Platform Agreement and Platform security. Capitalista processes data needed for custody, compliance and custody support. IPI processes data needed for exchange, fiat, payment, compliance and related support.

17.3 LMLP and technology providers may process data to support identity verification, routing, technical operations, fraud prevention, security, screening and support in accordance with the Privacy Notice and applicable contracts.

17.4 Data may be transferred across borders, including to the Czech Republic, Panama, Canada, the United Kingdom and locations of disclosed technology providers, subject to the safeguards described in the Privacy Notice.

17.5 Closing or deleting the Platform account does not require deletion of transaction, blockchain, payment, compliance, tax, accounting, fraud, security or dispute records that may lawfully be retained.

18. Risks and no advice

18.1 Crypto-assets may be highly volatile and may lose some or all value. Stablecoins may lose their reference value. Liquidity may be limited, and an asset, network, currency or payment method may become unsupported.

18.2 Blockchain transfers may be irreversible and may be delayed by congestion, forks, protocol changes, cyber incidents or network failure. An incorrect address, network, tag or memo may cause permanent loss.

18.3 Custody, exchange and fiat services involve provider, banking, payment-system, cybersecurity, fraud, legal, sanctions, operational, insolvency and cross-border enforcement risks described in the Risk Disclosure and applicable Schedules.

18.4 Unless the applicable Schedule expressly states otherwise, the services are not bank deposits and are not covered by a bank-deposit guarantee, investor-compensation scheme or government guarantee.

18.5 No provider gives investment, trading, legal or tax advice through ordinary Platform operation. Prices, charts, educational content and support responses are general information and not recommendations, promises or guarantees.

19. Availability, maintenance and security incidents

19.1 Services may be unavailable or degraded because of maintenance, updates, cyber incidents, network congestion, liquidity, banking hours, provider outages, legal restrictions, sanctions, telecommunications failure or events outside reasonable control.

19.2 No provider guarantees uninterrupted operation, a fixed processing time, continuous support for a particular asset, network, currency, payment method or feature, or acceptance of every user or transaction.

19.3 A provider may add, remove or change an asset, network, payment method, feature, limit or procedure for security, compliance, technical, commercial or risk reasons.

19.4 If a security incident may materially affect your account, assets, funds or personal data, the responsible provider will take reasonable containment and recovery measures and give legally required or reasonably practicable notice.

19.5 Where a material change affects assets already held, an accepted transaction or a material user right, the responsible provider will take reasonable steps to offer completion, withdrawal, return or migration where possible.

20. Suspension and service restrictions

20.1 Plum Labs may restrict Platform access for account security, technical integrity, misuse, legal requirements or material breach.

20.2 Capitalista may restrict deposits, withdrawals or custody operations for security, compliance, legal process, unsupported assets, network incidents or reasons stated in the Custody Services Schedule.

20.3 IPI may reject, delay, suspend, return or restrict an exchange or fiat transaction for compliance, fraud, payment, liquidity, technical, legal or other reasons stated in the Exchange and Fiat Services Schedule.

20.4 A restriction affecting one service does not automatically terminate another service, but providers may coordinate proportionate restrictions where necessary to protect users, assets, systems or legal obligations.

20.5 Where permitted, the responsible provider will explain the general nature of a restriction and available next steps. A restriction may remain while evidence is reviewed or a legal hold applies.

21. Termination and account deletion

21.1 You may stop using a service and request closure through the App or support, subject to completion or cancellation of pending transactions, withdrawal or return of assets or funds, payment of amounts due and required verification.

21.2 A provider may terminate its contract on reasonable notice or immediately where required by law, sanctions, fraud, security, serious breach, loss of a critical provider, insolvency risk or an unsupported territory.

21.3 Termination of the Platform Agreement does not automatically cancel an accepted transaction, erase a debt, release an asset subject to legal restriction or eliminate transaction and compliance records.

21.4 Before account deletion, you must withdraw available assets and funds and resolve pending transactions where possible. The Account Deletion and Retention Policy explains the in-App process and retained records.

21.5 If an asset or fund cannot lawfully or technically be returned immediately, the responsible provider may retain it subject to applicable restrictions, records and a documented recovery process.

21.6 Provisions that by nature should survive termination, including records, taxes, liability, disputes, intellectual property, recovery, confidentiality and governing law, remain effective.

22. Support, complaints, refunds and disputes

22.1 General support is available at support@plumex.io. Complaints may be submitted to complaints@plumex.io and will be routed to the provider responsible for the relevant service.

22.2 A complaint should identify the account, transaction or custody reference, date, amount, asset or currency, available bank or blockchain reference, issue and requested resolution. Do not send passwords, private keys, seed phrases or one-time codes.

22.3 Receipt is ordinarily acknowledged within three Business Days. The responsible provider aims to issue a final response within 30 calendar days, subject to applicable law, complexity and necessary third-party information.

22.4 Refunds, returned payments, failed transactions, duplicate credits, recalls and recoveries are governed by the applicable Schedule and the Refunds and Failed Transactions Policy.

22.5 A complaint does not automatically reverse a blockchain transaction, bank payment, legal hold or compliance restriction. You retain any mandatory right to use a court, regulator, data-protection authority or other competent body.

23. Intellectual property and acceptable Platform use

23.1 The Platform, App, design, software, databases, content, trademarks, logos and related intellectual property are owned by Plum Labs or its licensors, except for provider or third-party materials owned by their respective owners.

23.2 Plum Labs grants a personal, limited, non-exclusive, non-transferable and revocable licence to install and use the App for lawful personal use of available services.

23.3 The licence does not transfer ownership or rights in source code, systems, data, trademarks, trade names or confidential methods. Except where mandatory law permits, you may not copy, sell, sublicense, rent, reverse engineer, decompile, scrape, interfere with or create derivative works from the Platform.

23.4 You may use statements and transaction records for personal, legal, tax or accounting purposes but may not remove notices, misrepresent provider content or use a brand to suggest approval, agency or affiliation.

24. Warranties, responsibility and liability

24.1 Each provider must perform its allocated service with the care required by its contract and applicable law. No provider promises investment performance, an increase in value, uninterrupted service or acceptance of a particular user or transaction.

24.2 Each provider is responsible for direct loss to the extent caused by its fraud, wilful misconduct, gross negligence, failure to exercise legally required care, material breach or liability that cannot lawfully be excluded or limited.

24.3 A provider is not responsible for loss caused solely by market movements, a user’s investment decision, incorrect or fraudulent user instruction, an unsupported asset or network, compromised user devices or credentials not caused by the provider, conduct outside reasonable control, a lawful restriction or force majeure, unless the provider caused or materially contributed to the loss.

24.4 To the extent permitted by law, no provider is liable for indirect, consequential, speculative or remote loss or lost profit, opportunity or anticipated gain. This exclusion does not apply where compensation is legally mandatory.

24.5 Plum Labs is not liable for custody, exchange or fiat obligations merely because those services are accessed through the Platform. Capitalista is not liable for IPI obligations. IPI is not liable for Capitalista’s continuing custody obligations. LMLP is not a financial-service counterparty.

24.6 No limitation applies to fraud, wilful misconduct, gross negligence, death or personal injury caused by negligence, mandatory payment liability, unlawful personal-data processing or another liability that cannot lawfully be excluded.

24.7 You remain responsible for loss or cost caused by your deliberate unlawful use, fraud, knowing misrepresentation or intentional circumvention of controls, to the extent established and recoverable under applicable law.

25. Force majeure

25.1 A provider is not in breach for delay or failure caused by an event beyond its reasonable control, including war, invasion, civil disorder, sanctions, government or court action, natural disaster, epidemic, widespread power or telecommunications failure, cyberattack, blockchain or banking-system failure, labour disruption or critical-provider outage.

25.2 The affected provider must take reasonable steps to mitigate the effect, protect users and assets, restore service and communicate material impact where lawful and practicable.

25.3 Force majeure does not excuse obligations that can reasonably be performed, the return of recoverable assets or funds, or liability for failing to maintain controls reasonably expected before the event.

25.4 If a material interruption continues, the provider may restrict or terminate the affected service and arrange completion, return, withdrawal or migration where possible.

26. Provider changes and existing-user migration

26.1 A provider, payment rail or operating structure may change. Publication of a new provider name alone does not automatically transfer your contract, assets, funds, personal data, complaint or open transaction.

26.2 A material provider change will be explained in a Durable Medium notice identifying the current and new provider, affected service, effective date, treatment of assets and funds, data transfer, pending transactions, complaints, user choices and required action.

26.3 Where acceptance is required, the affected service will not continue under the new provider until the required acceptance is obtained. A user who does not accept may be required to withdraw assets, receive a return or close the affected service.

26.4 Existing users moving from a previous Plumex provider model must accept updated Terms before using the affected new service. Prior rights, complaints, debts and completed transactions remain governed by the documents and provider applicable when they arose unless lawfully transferred.

26.5 No provider is a successor or guarantor of another unless a written notice expressly confirms that legal effect.

27. Assignment, subcontracting and third-party rights

27.1 You may not transfer your account or assign a contract under the Terms without the responsible provider’s prior written consent, except where mandatory law permits otherwise.

27.2 A provider may engage subcontractors and supporting providers while remaining responsible for its own contractual obligations as provided by the Terms and applicable law.

27.3 A provider may assign or transfer its contract as part of a lawful restructuring, sale, merger or provider replacement if mandatory user rights are not materially reduced and required notice and choice are provided.

27.4 No person other than you and the relevant contracting provider may enforce a contract under these Terms unless a provision expressly states otherwise or mandatory law grants that right.

27.5 Assignment or subcontracting does not permit a claim that the entities form a corporate group or share regulatory status.

28. Governing law, jurisdiction and mandatory rights

28.1 The Platform Agreement with Plum Labs is governed by the laws of the Czech Republic. Subject to mandatory consumer rights, disputes relating only to the Platform Agreement may be brought before competent Czech courts.

28.2 The Custody Agreement with Capitalista is governed by the laws of the Republic of Panama. Subject to mandatory consumer rights, disputes relating only to the Custody Service may be brought before competent courts in Panama City.

28.3 The framework and transaction contracts with IPI are governed by the laws of British Columbia and applicable federal laws of Canada. Subject to mandatory consumer rights, disputes relating only to exchange or fiat services may be brought before competent courts in Vancouver, British Columbia.

28.4 A choice of law or court does not deprive you of mandatory protections or another forum that applicable consumer, payment or private-international law does not permit the parties to exclude.

28.5 Where a dispute involves more than one provider, each claim remains governed by the contract and law applicable to the provider and service concerned. Providers will reasonably cooperate in routing evidence and complaints.

29. General provisions and supplemental definitions

29.1 Mandatory applicable law prevails over the Terms. For transaction-specific commercial details, an accepted transaction confirmation prevails over general information for that transaction. A provider-specific Schedule prevails for matters exclusively concerning that service.

29.2 These Terms prevail over the Legal Entity and Service Provider Disclosure and general website or marketing content. The Privacy Notice governs personal-data processing. Marketing statements, frequently asked questions, social-media content and app-store descriptions do not amend the Terms.

29.3 If a provision is unlawful or unenforceable, it is applied to the maximum lawful extent or severed, and the remaining provisions continue. Failure or delay in exercising a right is not a waiver.

29.4 The Terms constitute the agreement for the matters they cover and replace earlier statements on the same matter, without extinguishing rights, liabilities, complaints or completed transactions arising under an earlier provider model.

29.5 Notices may be provided through the App, the email address linked to your account, the website or another Durable Medium. You must keep contact information current and review notices.

29.6 The Terms are published in English and Ukrainian. For the Ukraine Service Route, the Ukrainian version prevails in the event of inconsistency unless mandatory law requires otherwise.

30. Supplemental definitions

“Actual Location” the country or territory from which you access or use a service, determined using reasonable technical, payment, device and verification information.

“Business Day” a day other than Saturday, Sunday or public holiday in the place where the responsible provider handles the matter.

“Durable Medium” email, an in-App message, downloadable document or another method allowing you to store information for future reference without unilateral alteration.

“Supported Asset” a crypto-asset identified as supported for the relevant service in the App or Availability Schedule.

“Supported Network” a blockchain network identified as supported for the relevant asset and service.

“Transaction Confirmation” the record issued or displayed after IPI accepts an order, stating the transaction-specific terms.