1. Introduction and Acceptance of These Terms
By visiting, accessing, or using the online platform operated by Funds Flow s.r.o. (hereinafter referred to as “the Company,” “we,” “us,” or “our”), you (the “User” or “you”) acknowledge that you have read and agree to be bound by these Terms of Service (“Terms”). These Terms, together with any documents and policies referenced within, form the entire agreement and understanding between you and Funds Flow s.r.o., a company registered in the Czech Republic, concerning your access to and use of our services. If you do not agree with these Terms, you must immediately cease using our platform and services.

2. Interpretation
By clicking on the “buy” or “sell” button or otherwise interacting with our platform (including software, APIs, technologies, products, and functionalities), you may gain access to and use the Company’s trading services. A comprehensive description of these services is provided in Section 5.
You agree to be legally bound by these Terms and any additional terms incorporated by reference. If you do not accept these Terms in their entirety, you must not use the services. Certain provisions may differ depending on your user category; where applicable, the relevant section will clarify which users it applies to.
To the fullest extent permitted by applicable laws and regulations, we reserve the right to amend or update these Terms and any associated policies or guidelines at any time, at our sole discretion. By continuing to use our services after changes have been made, you consent to the Terms in effect at that time. It is your responsibility to review the Terms regularly to remain informed of any changes.
These Terms supersede and take precedence over any other agreement you may have with us. If you are using the services on behalf of a legal entity, you warrant that: (a) the entity is duly organized and validly existing under applicable law; (b) you are authorized to accept these Terms on the entity’s behalf; and (c) the entity agrees to assume liability if you violate the Terms.
If you have any questions regarding these Terms or any referenced documents, please contact us for clarification before using our services.
Unless otherwise specified, all official communications will be conducted electronically (via email or live chat). All communications, including these Terms, are provided in English. In the event of any discrepancy between the English version and a translated version, the English version shall prevail.

3. Eligibility and Prohibitions on Use
Our services are intended only for natural persons aged 18 or older who:
- Have accepted and understood these Terms.
- Possess the legal capacity and sound judgment to enter into transactions with the Company.
- Are not residents of or located in any prohibited jurisdictions (the “Prohibited Countries”).
- Provide information during registration and throughout usage that is truthful, current, complete, and not misleading, and that matches identification documents or other relevant payment account details.
- Will not use the services to engage in or support illegal activities.
- Will not conceal their true location or use methods to obfuscate it, and will accurately disclose their location if requested.
- Will act solely on their own behalf and not as intermediaries, agents, advisors, or in any fiduciary capacity.
- Will not use automated systems (e.g., bots) or engage in any form of market manipulation.
- Will promptly notify the Company of any unauthorized use of their account or security breaches.
- Will not allow third parties to access their accounts, understanding that all actions from their accounts are their sole responsibility.

We may restrict or prohibit use of our services in certain markets and jurisdictions, which currently include, but are not limited to:
Prohibited Locations: Afghanistan, Bahamas, Barbados, Belarus, Botswana, Cambodia, Central African Republic, Cuba, Ghana, Guinea, Iran, Iraq, Lebanon, Libya, Jamaica, Democratic People’s Republic of Korea (DPRK), Myanmar, Mauritius, Nicaragua, Pakistan, Panama, Russia, Syria, Sudan, Somalia, South Sudan, Trinidad and Tobago, Tunisia, Uganda, Vanuatu, Yemen, Zimbabwe, and the United Kingdom.

4. Prohibited Business Activities
Engaging our services for or in connection with the following (“Prohibited Businesses”) is strictly forbidden:
- Unlicensed money services or payment service providers.
- Relationships with “shell banks” or financial institutions that operate without adequate regulatory oversight or physical presence.
- Adult content, prostitution, obscene materials, or any sexually explicit services.
- Deceptive marketing and false advertising.
- Religious or spiritual organizations (without proper authorization or compliance).
- Sale of weapons, ammunition, explosives, or related accessories without a valid license.
- Regulated products/services without the required licenses, including certain pharmaceuticals, tobacco, marijuana, e-cigarettes, or age-restricted goods.
- Psychoactive substances or drug paraphernalia.
- Gambling, betting, lotteries, or similar activities unless expressly permitted by law and approved by us.
- Money laundering, fraud, terrorist financing, or other financial crimes.
- Ponzi schemes, pyramid schemes, or multi-level marketing arrangements.
- Infringement of intellectual property rights.
- Layaway or annuity systems.
- Counterfeit or unauthorized goods, including stolen or illegally imported/exported products.
- Market manipulation, insider trading, or fraudulent trading activities.
- Participation in “darknet” markets for illegal goods or services.
- Activities deemed high risk, unacceptable, or unlawful by us.
- Involvement with shell banks, entities with bearer shares, certain defense industries, nuclear energy, restricted financial services, transactions in ivory or protected species, or any activity considered illegal or high risk.

If we suspect or detect your involvement in any Prohibited Businesses, we may immediately suspend or terminate your account, freeze your funds, cancel transactions without notice, and report the matter to law enforcement.

5. Description of Our Services
We provide an online platform for trading digital assets (“Virtual Currencies”) for fiat currencies (“Fiat Money”) or vice versa. This includes peer-to-peer (P2P) trading facilitated by third-party platforms such as Binance, OKX, Huobi, Paxful, Bybit, or others.
Customer Journey (Example – OTC Desk):
1. A prospective customer visits our OTC desk through our website, mobile application, or a hosting platform.
2. The customer registers with the hosting platform’s P2P escrow system, agreeing to that platform’s terms.
3. The customer navigates to the buy/sell section and sees the Company’s advertisement along with a displayed rate and terms.
4. Upon initiating an order, the Company engages with the customer in live chat, requests ID verification, and conducts KYC/AML checks following our risk-based approach.
5. Once verified, the customer proceeds with the transaction. New customers undergo steps 1-5 only once.
6. The customer completes payment as per the displayed rate.
7. Upon confirmed receipt of funds in the Company’s account, the Company releases the Virtual Currency to the customer through the hosting platform.
8. For selling Virtual Currency, the process is similar but may differ slightly. Once verified, the Virtual Currency is held in escrow, and upon confirmation, the Company transfers the agreed fiat amount to the customer.

The Company strives to settle transactions promptly. However, delays may occur, and we will communicate them when possible. We reserve the right to accept or reject any order. No obligation arises until we have explicitly accepted the order, provided services, or notified you of readiness.

You are responsible for paying all amounts owed to us. We may withhold payment until we verify your identity or payment details to our satisfaction. We retain a security interest in all funds or assets in our possession to secure your obligations to us.

Fees for our services (“Fee”) will be displayed before you execute a transaction. By using our services, you authorize us or our payment processor to deduct these Fees automatically.

We execute orders after receiving cleared funds. If funds differ from the required amount, we may adjust the order, seek further instructions, or cancel the order. Any promotional materials are illustrative and do not form part of the contractual agreement.

We will use reasonable efforts to deliver Virtual Currency promptly. However, transfer processing times may vary. We may re-attempt execution if the first attempt fails and seek your consent to do so.

You acknowledge the risks associated with Virtual Currencies, including price volatility and the absence of any guarantee regarding their value or liquidity.

6. Pricing and Execution
The price displayed at the time you place the order is indicative only. Due to market volatility, the “Actual Price” at the moment of execution may differ from any previously displayed price. Execution will occur once funds are confirmed as received in our accounts or by our processing partners. The Actual Price may be more favorable or less favorable than previously displayed prices. You accept these market risks.

No order is executed unless your account is satisfactorily verified. Pending orders are non-binding. Once executed, transfers of Virtual Currency or Fiat Money will be made after deducting applicable Fees.

Executed orders cannot be canceled or reversed. Unexecuted orders may be canceled before execution, and refunds will be issued minus any applicable Fees.

7. Third-Party Content and Your Content
Our services may display content from third parties or provide links to external websites. We neither control nor endorse third-party content and assume no responsibility for it. Any business dealings between you and such third parties are at your own risk.

You acknowledge that we cannot guarantee the authenticity or reliability of user-generated content. Reliance on such content is solely at your discretion.

8. Third-Party Processors and Chargebacks
We may use third-party payment processors for fund transfers. By using our services, you consent to us sharing your personal and transactional information with these processors for verification, fraud prevention, or regulatory inquiries.

If we suspect fraudulent activity, we may suspend or close your account, halt transactions, and notify authorities. You agree to indemnify us for any losses resulting from chargebacks, payment reversals, or recalls.

9. Intellectual Property
All intellectual property rights associated with our platform and services remain the property of the Company or third parties, as applicable. You receive a personal, non-commercial, non-transferable right to use our platform. You must not copy, redistribute, reverse-engineer, decompile, modify, or infringe upon our intellectual property in any way.

You agree to indemnify us for any unauthorized use or infringement of intellectual property rights.

10. Service and Website Availability
We strive for continuous service availability but cannot guarantee it at all times. Delays, interruptions, or unavailability may occur due to factors beyond our control. You acknowledge that such instances may affect the timely execution of your orders, and we are not liable for any resulting losses.

We are not responsible for internet-related risks, such as viruses, malware, phishing, or network failures.

11. Compliance with Laws and Regulations
You must comply with all applicable laws and regulations in using our services. If we suspect non-compliance, we may refuse service. You represent that you are not from a Restricted Location and are not listed on any sanctions lists.

You are responsible for fulfilling your own tax obligations arising from the use of our services.

12. Suspension, Termination, and Cancellation
We may, at our sole discretion and without notice, suspend or terminate your access, refuse transactions, restrict usage, or withhold funds for any reason. This does not obligate us to provide explanations.

You may request account termination by emailing us at .moc.liamg%40lagel.wolfsdnuf Termination does not relieve you of any obligations or liabilities incurred prior to termination. The Company may retain certain data as required by law.

13. Limitation of Liability and Indemnification
Our services are provided “as is” and “as available” without warranties of any kind. To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, or statutory.

Neither the Company nor its affiliates, officers, directors, employees, or agents shall be liable for any indirect, incidental, or consequential damages arising from your use of the services, including lost profits or data.

We are not liable for any unauthorized use of your account, incorrect information you provide, or system failures outside our control.

You agree to indemnify and hold us harmless from all losses, liabilities, claims, or expenses arising out of your breach of these Terms or misuse of the services.

14. No Financial Advice
We do not provide investment or financial advice. Any market-related information we provide is for informational purposes only and should not be construed as a recommendation or endorsement.

You assume full responsibility for your investment decisions.

15. Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF)
We maintain a comprehensive AML/CTF program that includes verifying customer identities, conducting risk assessments, and monitoring transactions. We may file suspicious activity reports with authorities if we identify unusual or potentially illegal behavior.

16. Risks
Virtual Currency trading involves significant risks, including price volatility, potential regulatory changes, and technological vulnerabilities. You acknowledge and accept these risks.

We depend on financial and liquidity providers, and their failures could affect our services. We assume no liability for such events.

17. Notices and Communications
All official notices and communications will be conducted via email, messaging services, or other electronic means.
For the Company: moc.liamg%40lagel.wolfsdnuf
For You: The email or physical address you have provided.

18. Dispute Resolution
If a dispute arises, both parties will attempt to resolve it amicably via telephone calls and negotiations. If unresolved, the parties may escalate the matter to senior management and follow a structured dispute resolution process.

19. Entire Agreement
These Terms represent the complete agreement between you and the Company, superseding all prior or contemporaneous agreements or understandings.

20. No Partnership or Agency
Nothing in these Terms creates a partnership, joint venture, or agency relationship between you and the Company.

21. Assignment
You may not assign any rights or licenses granted under these Terms. The Company may assign its rights without restriction.

22. Severability
If any provision is found invalid or unenforceable, that provision will be adjusted to achieve its intended purpose, and the remaining provisions remain fully in effect.

23. Change of Control
If the Company undergoes a change of control (e.g., merger, acquisition), we may transfer or assign your information as part of that process.

24. Transfer of Personal Data
We may share your personal data with Company affiliates or trusted third parties for service delivery, due diligence, and regulatory compliance, always taking measures to protect your data.

25. Survival
Provisions that by their nature should survive termination will do so, including those related to liability, indemnity, and dispute resolution.

26. Cumulative Remedies
Our rights and remedies under these Terms are cumulative and do not limit other rights or remedies available under law.

27. Translations
If a translation of these Terms is provided, the English version takes precedence over any inconsistencies with the translated version.

28. Force Majeure
We are not liable for delays or failures due to events beyond our reasonable control, including acts of God, war, terrorism, labor disputes, or internet disruptions.

29. Equitable Relief
You acknowledge that a breach of these Terms could cause us irreparable harm. Thus, we may seek injunctive or other equitable relief as necessary to prevent unauthorized actions.

30. Third-Party Rights
Except for affiliates that may enforce certain provisions, no third party has rights to enforce these Terms.

31. Governing Law and Jurisdiction
These Terms and any disputes arising under them are governed by the laws of the Czech Republic. Any unresolved disputes shall be subject to the exclusive jurisdiction of the Czech courts.

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If you have any questions or concerns regarding these Terms, please contact us at .moc.liamg%40lagel.wolfsdnuf By continuing to use the Company’s services, you confirm that you have read, understood, and agreed to these Terms.