Plumex.io

Document Control (T&Cs)

• Document: Terms & Conditions (Consumers) — 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, plus any official Plumex mobile app(s) and APIs (if provided)
• Language: English
• Governing law (intended): Czech Republic (subject to mandatory consumer protections)

1. Parties and acceptance

1.1 Who we are. These Terms are between you ("you", "User") and LMLP consulting, s.r.o., a Czech company (the "Company", "we", "us").

1.2 What these Terms cover. These Terms govern your access to and use of the Plumex-branded platform made available via plumex.io, and any official mobile applications or APIs (the "Platform").

1.3 Acceptance. By creating an account, clicking acceptance, or using the Platform, you agree to these Terms and the documents incorporated by reference in Section 2.

1.4 Consumer-only scope. These Terms are written for individual consumers. Business or professional use is prohibited unless we explicitly agree in writing.

1.5 Plum Labs role (non-party). Plum Labs s.r.o. may provide software development, publishing and marketing services for the Platform. Unless expressly stated otherwise, Plum Labs s.r.o. is not a party to this Agreement and does not provide the Services to you under this Agreement.

2. Incorporated documents and hierarchy

2.1 Incorporated documents. The following documents form part of these Terms (together, the "Agreement"):

• Privacy Policy (data processing and GDPR rights)
• AML/CTF Policy / KYC notices (verification and compliance expectations)
• Fees & Limits disclosures shown in-app / pre-confirmation (where available)
• Cookie Policy (use of cookies and similar technologies);
• Complaints Policy (how to submit and how we handle complaints);
• Refunds / cancellations / chargebacks policy (if published);
• Legal Entity Disclosure (roles of LMLP consulting, s.r.o. and Plum Labs s.r.o.);
• Restricted Jurisdictions / Availability Notice .

2.2 Order of precedence. If there is a conflict:

• a specific product screen / pre-confirmation disclosure for a transaction prevails for that transaction (e.g., swap quote, withdrawal fee); then
• these Terms; then
• the remaining policies, unless mandatory law requires otherwise.

3. Definitions

• "Account": your Plumex user profile enabling access to services.
• "Custodial Wallet": a wallet where the Company (or its service providers) controls private keys and provides you access/security.
• "Digital Assets": cryptoassets/virtual assets supported on the Platform.
• "Swap": an exchange of one Digital Asset (and/or fiat, if enabled) for another at a quoted rate (including spread and fees) executed via the Platform.
• "Internal Transfer": an off-chain transfer between Platform users (by ID/username), generally instant, with no blockchain network fee.
• "Blockchain Transfer": an on-chain deposit/withdrawal to/from an external wallet address; generally irreversible.
• "Third-Party Cash Partner": an independent partner enabling cash in/out, not our subsidiary/affiliate; we do not accept/handle/disburse cash and we are not the financial intermediary in those cash transactions.

4. Regulatory status and key disclosures

4.1 Czech entity and trade scope. We are a Czech s.r.o. and our publicly identified business activity includes "services connected with virtual assets" under a general trade licence scope; this alone is not evidence of a prudential/financial services authorisation.

4.2 No over-claiming. Unless expressly stated with an identifier and a public register link, we do not represent that we are licensed/authorised by the Czech National Bank or any other financial regulator.

4.3 Mandatory legal compliance. We operate a risk-based compliance program and may apply identity verification, sanctions screening, and transaction monitoring consistent with AML/CTF expectations (including references on the Platform to Czech AML Act No. 253/2008 and sanctions restrictions).

5. Eligibility, account creation, and security

5.1 Eligibility. You must:

• be at least 18 (or the age of legal majority where you live, if higher);
• have legal capacity to contract; and
• not be located in or a resident of any Restricted Jurisdiction (Section 13).

5.2 Account integrity. You must provide accurate information and keep it current. You must not create accounts for other persons or use the Platform on behalf of third parties unless we explicitly permit it.

5.3 Security. You are responsible for:

• safeguarding your device, credentials, and 2FA;
• promptly notifying us if you suspect unauthorised access; and
• all activity performed under your credentials, unless mandatory law says otherwise.

6. Services overview

Subject to eligibility, successful verification, and availability in your region, the Platform may enable:

6.1 Custodial crypto wallet services. Storage of Digital Assets in a Custodial Wallet, viewing balances/history, and initiating transfers.

6.2 Swaps (crypto↔crypto). Instant or near-instant swaps where the quote (rate/spread and fees) is shown before you confirm.

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

6.4 Blockchain Transfers. Deposits and withdrawals to/from external blockchain addresses, subject to screening and potential compliance delays.

6.5 Fiat-related features (if enabled). Certain fiat-related features (such as IBANs, cards, or fiat transfers) may be offered from time to time. Where enabled, such features may be provided wholly or partly by third-party regulated providers and may be subject to additional onboarding and third-party terms. Any applicable third-party terms will be made available to you before activation of the relevant fiat feature. Fiat-related features may be limited, piloted, or unavailable in certain jurisdictions.

6.6 Third-Party Cash Partner Network (cash in/out). We may present integrations enabling you to access cash services from independent Third-Party Cash Partners. We do not accept/handle/disburse cash, we are not the financial intermediary in those cash transactions, and our role is limited to technical integration and status display.

7. Quotes, fees, and pricing disclosure

7.1 Fees must be shown before confirmation. For each transaction (e.g., Swap, withdrawal), we will show applicable fees/spreads and the effective rate before you confirm (or we will not permit the transaction to proceed).

7.2 Variable conversion fees. Public materials indicate conversion fees may be variable and shown prior to order placement and in confirmations; a full numeric fee schedule is not published in the reviewed pages.

7.3 Network fees. Blockchain Transfers may incur blockchain network fees (paid to miners/validators). Where possible, we will display an estimate; however, actual network fees can vary.

7.4 Third-party fees. Third-Party Cash Partners and other third-party providers may charge their own fees. Where we display those fees, we do so for convenience; the partner remains responsible for its charges and receipts.

8. Custody model and key risk warnings

8.1 Custody. Under a Custodial Wallet model, private keys are controlled by us (or by our custody service providers) and we provide you access to your Digital Assets.

8.2 Crypto risks. You acknowledge and accept:

• volatility: Digital Asset prices can move rapidly;
• irreversibility: blockchain transactions are generally irreversible;
• technology risk: software, protocol, or network failures can occur;
• custody risk: custody creates reliance on our security and operational controls.

8.3 No guarantee of availability. We do not guarantee uninterrupted access. We may suspend access for security, maintenance, or compliance reasons.

9. Swaps (crypto↔crypto)

9.1 Execution, cancellation and finality. When you confirm a Swap, you instruct us to execute it at the rate, fees and total shown before confirmation. You cannot cancel a Swap once it has been executed. Where a transaction is affected by a manifest technical error, or where required by law, we may correct, void or reverse the transaction to the extent practically possible, noting that blockchain transfers and settlements may be irreversible.

9.2 Liquidity sources. Swap rates may be formed by us and/or sourced from third-party liquidity providers and execution venues. The execution route may vary by asset, network, and market conditions.

9.3 Errors. If a quote is materially incorrect due to a manifest technical error, we may void or reverse the transaction to the extent permitted by mandatory law and the practical limitations of blockchain settlement.

10. Internal Transfers

10.1 User responsibility. You are responsible for the recipient identifier (ID/username). If you send to the wrong recipient, recovery may be impossible.

10.2 Fraud controls. We may apply fraud and compliance checks, including temporary holds.

11. Blockchain Transfers (deposits/withdrawals)

11.1 Address accuracy. You must provide the correct address, network, and any required memo/tag. If you do not, assets may be lost and unrecoverable.

11.2 Screening and delays. We may screen addresses and transactions for sanctions, fraud, and AML risk and may delay, block, or return transfers where legally required or risk-justified.

11.3 No liability for blockchain conditions. We are not responsible for network congestion, forks, re-orgs, validator issues, or third-party wallet/provider failures.

12. Third-Party Cash Partner Network (cash in/out)

12.1 Our role is technical only. For cash in/out:

• the cash transaction is between you and the Third-Party Cash Partner;
• we do not take possession of cash;
• partners arenot our subsidiaries/affiliates;
• we are not a financial intermediary for those cash transactions;
• we provide technical integration and status display only.

12.2 Liability boundary. We are not liable for:

• partner availability, staff actions, cash handling errors, counterfeit risk, cash receipt disputes;
• partner fees, FX rates, or settlement timing; or
• partner KYC decisions (unless we explicitly assume responsibility in writing).

12.3 Complaints routing. Complaints aboutcash handling must be submitted to the relevant Third-Party Cash Partner first. We may provide an escalation contact to assist with coordination, but the partner remains responsible for the cash service outcome.

12.4 When we may intervene. We may suspend partner access or block a cash-related credit/debit to your Plumex balance if required for AML/sanctions risk management.

13. Prohibited use, restricted jurisdictions, and compliance

13.1 Restricted Jurisdictions. We may restrict or refuse service in certain countries/regions (see Annex 1)  and to certain persons or wallet addresses.

Restricted Jurisdictions criteria and updates. Restrictions may be applied based on your country of residence, nationality, place of habitual use, IP/location signals, and/or sanctions, embargo or risk considerations, and may also take into account the residency/nationality of controllers or beneficial owners where relevant. We may update the Restricted Jurisdictions list from time to time; material changes will be communicated via the Platform and/or email, and continued use after the effective date constitutes acceptance.

13.2 Prohibited activities. You must not use the Platform for:

• illegal activity, fraud, deception, or theft;
• sanctions evasion or dealings with sanctioned persons/addresses;
• money laundering or terrorist financing;
• exploiting the Platform (security testing without consent, scraping, abuse, malware).

13.3 KYC/KYT obligations. We may require identity verification (KYC) and may monitor transactions (KYT). KYC may be required for first use or certain limits.

13.4 Refusals and holds. We may refuse onboarding, suspend, or close accounts where legally required or where risk is unacceptable, including where information is incomplete or appears misleading.

14. Fiat funds statements

14.1 Fiat balances (if enabled). Where the Platform enables you to hold or transact fiat value, the fiat service may be provided by third-party providers and may be subject to their terms and safeguarding/segregation arrangements. We will present the applicable terms and key disclosures before you activate or use the fiat feature.

14.2 Not a bank deposit. Unless we explicitly state otherwise, any fiat-related feature provided via the Platform is not a bank deposit with us and may not be protected by any deposit guarantee scheme.

15. Support and communications

15.1 Support channel. Public materials indicate a support email support@plumex.io for legal/privacy contact.

15.2 Notices. We may communicate with you in-app, by email, or via Platform notices.

16. Suspension, termination, and account closure

16.1 Your right to stop. You may stop using the Platform at any time.

16.2 Our right to suspend/terminate. We may suspend or terminate your access:

• to comply with law or regulator requests;
• to manage AML/sanctions/fraud risk;
• for breach of these Terms;
• for security or operational reasons.

16.3 Asset return on closure. Where feasible and legally permitted, we will provide a way to withdraw your Digital Assets (and any applicable fiat balance) after closure, subject to screening, technical constraints, and fees.

17. Liability, disclaimers, and indemnity

17.1 No investment advice. We do not provide investment, tax, or legal advice. You are solely responsible for your decisions.

17.2 No warranties. The Platform is provided "as is" and "as available", to the maximum extent permitted by law.

17.3 Limitation of liability. To the maximum extent permitted by law:

• we are not liable for indirect, incidental, special, consequential damages;
• we are not liable for losses due to market volatility, blockchain conditions, third-party wallet/provider failures, or Third-Party Cash Partner conduct.

17.4 Consumer rights. Nothing in these Terms limits liability that cannot be excluded under applicable consumer law (e.g., liability for intent or gross negligence where non-excludable).

17.5 Indemnity. To the extent permitted by mandatory consumer law, you agree to compensate us for direct losses we incur due to your intentional unlawful use of the Platform or your material breach of these Terms that causes a third-party claim against us. This does not apply to the extent such losses are caused by our breach of this Agreement or our negligence.

18. Changes to the Agreement

18.1 Updates. We may update these Terms and incorporated policies. We will post changes on the Platform and may notify you via email or in-app.

18.2 Effective date. Changes take effect on the stated effective date. If you continue using the Platform after that date, you accept the updated Terms.

20. Complaints and dispute handling

Complaints. If you have a complaint about the Platform or Services, contact us at complaints@plumex.io with subject line"Complaint – [your name]" and include a description of the issue, relevant dates, and any transaction IDs. We will acknowledge receipt and use reasonable efforts to respond without undue delay. Complaints about cash in/out handling must first be submitted to the relevant Third-Party Cash Partner (see Section 12.3); we may assist with escalation coordination.

20. Governing law and disputes

20.1 Governing law. This Agreement is governed by the laws of the Czech Republic, except where mandatory consumer law in your country of residence applies and cannot be derogated from.

20.2 Courts. Disputes shall be submitted to the competent courts in the Czech Republic, unless mandatory consumer rules provide you the right to bring proceedings in your home courts.

20.3 Alternative dispute resolution. If you are a consumer in the EU/EEA, you may have statutory rights to use out-of-court dispute resolution mechanisms where available under applicable law. Where the Company participates in a specific ADR scheme, we will identify it in a dedicated Complaints Policy or on the Platform

21. Contact details

Company: LMLP consulting, s.r.o., Spojovací 2604/48, Praha 3, 130 00, Czech Republic
Email: hello@plumex.io.

Annex 1 - List of Prohibited Countries and Regions

• Afghanistan
• Algeria
• Bangladesh
• Belarus
• Bolivia, Plurinational State of
• China
• Cuba
• Egypt
• Iran, Islamic Republic of
• Korea, Democratic People's Republic of
• Libya
• Myanmar
• Nepal
• Russian Federation
• Syrian Arab Republic
• Region-level prohibition: Crimea (Ukraine)
• Region-level prohibition: Donetsk (Ukraine)
• Region-level prohibition: Kherson (Ukraine)
• Region-level prohibition: Luhansk (Ukraine)
• Region-level prohibition: Zaporizhzhia (Ukraine)
• Venezuela, Bolivarian Republic of
• Yemen
• United States