By accepting these Terms, you enter into separate legal relationships with different providers for different services. No single entity provides or guarantees all Plumex services.

1. About these Terms

1.1 These Multi-Party Terms of Use (the “Terms”) govern access to the Plumex application and platform and the separate provider-specific services made available through it. The documents incorporated into the Terms include, where applicable, the Custody Services Schedule, Exchange and Fiat Services Schedule, Fees and Limits Schedule, Risk Disclosure, AML/KYC Notice, Privacy Notice, Complaints Policy, Refunds and Failed Transactions Policy, Account Deletion and Retention Policy and any other schedule or notice expressly stated to form part of the Terms.

1.2 You must read the documents applicable to a service before accepting or using that service. Electronic acceptance, transaction confirmations and provider records may be used to evidence the version accepted, the time of acceptance and the service or transaction concerned.

1.3 Nothing in the Terms excludes a right or remedy that cannot lawfully be excluded under mandatory consumer or other applicable law.

2. Parties and separate contractual relationships

2.1 “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 the Plumex platform, platform account, software functionality and general platform support (the “Platform Agreement”).

2.3 Plum Global Inc. is your direct contracting party for crypto-asset custody when you accept the Custody Services Schedule and the Custody Service is activated for you (the “Custody Agreement”).

2.4 Innovate Payments Inc. (“IPI”) is the direct contracting party and principal for supported crypto-to-crypto, fiat-to-crypto and crypto-to-fiat transactions. Its framework terms are set out in the Exchange and Fiat Services Schedule; a 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 support. 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 for the service allocated to it. Integration of services within the Plumex platform does not by itself create an agency, partnership or joint venture between providers or make one provider responsible for another provider’s obligations.

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

3. Provider map

4. Corporate and status information

4.1 Plum Global Inc. is a corporation organised under the laws of the Republic of Panama and registered under Mercantile Folio 155788002. Its contractual role under these Terms is limited to the Custody Service described in the Custody Services Schedule.

4.2 IPI is incorporated in British Columbia, Canada under number BC1464778. Where a service is subject to registration or compliance requirements in Canada, IPI acts subject to those requirements. A public registration, where applicable, is not a licence, endorsement, insurance or guarantee of performance.

4.3 App Store availability, publication by Plum Labs or integration in the Plumex platform is not 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 custody, exchange or fiat services. Each service remains subject to eligibility, responsible-provider acceptance, availability, limits and the applicable Schedule.

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

5.3 For an order accepted by IPI, the crypto-assets required for execution may be transferred from Plum Global custody to IPI or to a settlement address used for the accepted order, in each case in accordance with the user’s instruction and the applicable transaction terms.

5.4 Fiat transfers are provided under IPI’s responsibility through the bank or payment service provider identified in the transaction flow before confirmation. Payment account, beneficiary and routing details may therefore belong to IPI or an approved payment provider acting within the disclosed transaction structure.

5.5 The transaction flow will display the responsible provider, amount, currency or crypto-asset, relevant account or wallet details, fees and material transaction terms before confirmation. Do not send funds or crypto-assets to details not shown in the relevant flow.

5.6 IPI does not provide continuing custody under the Ukraine Service Route. Crypto-assets resulting from an exchange are returned to Plum Global custody or transferred in accordance with the user’s accepted instruction, subject to technical and compliance controls.

5.7 Unless expressly stated otherwise by the responsible provider and applicable law, 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 and use the account only for yourself and not on behalf of an undisclosed third party.

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

6.3 The Ukraine Service 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, European Economic Area or another unsupported or restricted jurisdiction.

6.4 Current supported countries, assets, networks, currencies, payment methods and transaction types are shown in the App, the relevant Schedule or a current availability notice. Availability may be narrower for a particular user.

7. Acceptance and contract formation

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 Plum Global confirms activation of the Custody Service.

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

7.4 A provider may reject an application, activation or order before acceptance without becoming obliged to complete the proposed service or transaction, subject to mandatory law.

8. Supporting providers

8.1 The responsible provider may use banks, payment institutions, identity-verification services, blockchain analytics, cloud, security, customer-support and other approved service providers to perform or support its obligations.

8.2 The identity of a supporting provider may change. A material provider change affecting personal data, payment routing or another user right will be disclosed where required by law, the Privacy Notice or the relevant transaction flow.

8.3 Use of supporting infrastructure does not by itself make that infrastructure provider your custody or exchange counterparty.

9. Document hierarchy

9.1 Mandatory applicable law prevails over the Terms.

9.2 For transaction-specific commercial details, an accepted transaction confirmation prevails over general fee, amount, rate and settlement information 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 The Privacy Notice governs processing of personal data. The AML/KYC Notice explains financial-crime controls but does not limit a provider’s legal or contractual right to request information or restrict a service.

9.5 Marketing, FAQs, 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 contracting-party identity, 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 proportionate risk reasons. Where permitted, the provider will give available information about the restriction and next steps.

10.4 A provider change does not automatically transfer a contract, assets, funds, personal data or open transaction. Any required migration, transfer or acceptance process will be described separately.

11. Communications, support and language

11.1 Notices may be provided through the App, the email linked to your account, the website or another durable electronic method.

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

11.3 These Terms may be published in English and Ukrainian. For the Ukraine Service Route, the Ukrainian version prevails in the event of inconsistency, unless mandatory law requires otherwise.

12. Core definitions

“App” means the Plumex mobile application published by Plum Labs. “Plum Global” means Plum Global Inc. “Custody Service” means the receipt, holding, recording and authorised transfer or withdrawal of supported crypto-assets by Plum Global. “IPI” means Innovate Payments Inc. “Platform” means the Plumex software, interface and platform account operated by Plum Labs. “Provider” means Plum Labs, Plum Global or IPI when acting in relation to its allocated service. “Schedule” means a provider-specific or subject-specific document incorporated into these Terms.

13. Fees, limits and taxes

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

13.4 You are responsible for your own tax, duty, reporting and accounting obligations. A provider may withhold or report an amount where legally required.

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

14.2 Use only the bank, beneficiary, wallet or payment details displayed for the specific transaction. Payments or transfers sent using other details may be delayed, rejected, returned or lost.

14.3 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.

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

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

15. Compliance, sanctions and monitoring

15.1 Plum Global makes final compliance decisions for the Custody Service. 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/wealth, payment counterparties, wallet control, transaction purpose, sanctions exposure, politically exposed person status, adverse information, fraud indicators and blockchain risk.

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

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/services, market manipulation or other illegal activity.

16.2 You must not receive, hold, exchange or transfer assets for an undisclosed third party, operate a commercial exchange/payment business through a personal account, provide false information, conceal beneficial ownership, bypass controls or misuse another person’s bank account, wallet or identity.

17. Privacy and personal data

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

17.2 Plum Labs processes data needed for the Platform; Plum Global for custody; IPI for exchange/fiat/payment; and LMLP and approved technology providers may process data for technical verification, routing, security, screening and support in accordance with their actual data-protection roles and applicable contracts.

18. Risks and no advice

18.1 Crypto-assets may be highly volatile and may lose some or all value. Blockchain transfers may be irreversible. Custody, exchange and fiat services involve provider, banking, payment-system, cybersecurity, fraud, legal, sanctions, operational, insolvency and cross-border risks described in the Risk Disclosure and applicable Schedules.

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

19. Availability, maintenance and 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, fixed processing time, continuous support for a particular asset/network/currency/payment method, or acceptance of every user or transaction.

20. Suspension and service restrictions

20.1 Plum Labs may restrict Platform access for security, technical integrity, misuse, legal requirements or material breach. Plum Global may restrict custody operations under the Custody Services Schedule. IPI may reject, delay or restrict transactions under the Exchange and Fiat Services Schedule.

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

21. Termination and account deletion

21.1 You may stop using a service and request closure subject to completion/cancellation of pending transactions, withdrawal or return of assets/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 unsupported territory.

21.3 Closing the Platform account does not automatically cancel an accepted transaction, erase a debt, release an asset subject to legal restriction or require deletion of records that may lawfully be retained.

22. Support, complaints and refunds

22.1 Complaints may be submitted to complaints@plumex.io and will be routed to the provider responsible for the affected service. Receipt is ordinarily acknowledged within three Business Days and the responsible provider aims to issue a final response within 30 calendar days, subject to applicable law and complexity.

22.2 Refunds, returned payments, failed transactions, duplicate credits, recalls and recoveries are governed by the applicable Schedule and the Refunds and Failed Transactions Policy. A complaint does not automatically reverse a blockchain transaction, bank payment, legal hold or compliance restriction.

23. Intellectual property and Platform use

23.1 The Platform, App, design, software, databases, content, trademarks 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 use the App for lawful personal use of available services. Except where mandatory law permits, you may not reverse engineer, scrape, interfere with, sublicense or misuse the Platform.

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, 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 To the extent permitted by law, a provider is not responsible for loss caused solely by market movements, a user’s investment decision, incorrect or fraudulent user instruction, unsupported assets/networks, compromised user devices not caused by the provider, lawful restrictions or force majeure.

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

25. Force majeure

25.1 A provider is not in breach for delay or failure caused by an event beyond its reasonable control, but must take reasonable steps to mitigate material impact and restore service where practicable. Force majeure does not excuse obligations that can reasonably still be performed or liability for failing to maintain controls reasonably expected before the event.

26. Provider changes and service migration

26.1 Publication of a new provider name does not by itself transfer a contract, assets, funds, personal data, complaint or open transaction.

26.2 A material provider change will be explained in a durable notice identifying the current and new provider, affected service, effective date, treatment of assets/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 that acceptance is obtained. Prior rights and completed transactions remain governed by the documents applicable when they arose unless lawfully transferred.

27. Assignment, subcontracting and third-party rights

27.1 A provider may engage subcontractors and supporting providers while remaining responsible for its own contractual obligations under the Terms and applicable law.

27.2 A provider may assign or transfer its contract as part of a lawful restructuring, sale, merger or provider replacement if mandatory user rights are preserved and required notice/choice is provided.

27.3 Assignment or subcontracting does not transfer another provider’s regulatory status or make that provider responsible for another provider’s obligations.

28. Governing law, jurisdiction and mandatory rights

28.1 The Platform Agreement with Plum Labs is governed by Czech law. The Custody Agreement with Plum Global is governed by the laws of the Republic of Panama. IPI framework and transaction contracts are governed by the laws of British Columbia and applicable federal laws of Canada.

28.2 Each choice of law and forum is subject to mandatory consumer rights and any forum that applicable law does not permit the parties to exclude. Where a dispute involves more than one provider, each claim remains governed by the contract and law applicable to that provider and service.

29. General provisions

29.1 The hierarchy of documents is set out in section 9. If a provision is unlawful or unenforceable, it is applied to the maximum lawful extent or severed and the remaining provisions continue. Delay in exercising a right is not a waiver.

29.2 These Terms constitute the agreement for the matters they cover and replace earlier statements on those matters without extinguishing rights, liabilities or completed transactions already accrued.

29.3 The language rule is set out in section 11.3.

30. Supplemental definitions

“Actual Location” means the country or territory from which you access or use a service, assessed using reasonable technical, payment, device and verification information. “Business Day” means a day other than Saturday, Sunday or public holiday in the place where the responsible provider handles the matter. “Durable Medium” means email, in-App message, downloadable document or another method allowing you to store information for future reference. “Supported Asset” and “Supported Network” mean an asset/network identified as supported in the App or applicable service information. “Transaction Confirmation” means the record issued after IPI accepts an order and states its transaction-specific terms.