TERMS AND CONDITIONS

Welcome to DOUBLEFINANCE, a mobile application (“App”) that allows users (“Users” or “you”) to conveniently and securely access the blockchain, use decentralized apps (“DApps”), send and receive cryptographic and digital assets (“Assets”).

DOUBLEFINANCE is owned and operated by DIGITAL TRUST CSP Fzco, headquartered in Dubai, Digital Park, Dubai Silicon Oasis (LICENSE no. 8213).

Please read the following Terms of Use (“Terms”) carefully. By signing up, accessing, or using DOUBLEFINANCE, you agree to these Terms. If you do not agree to these Terms, you will not be able to access or use DOUBLEFINANCE.

IMPORTANT WARNINGS

DOUBLEFINANCE is not intended as, and does not provide, any investment or financial advice of any kind. Regarding any financial or investment decision, it is strongly recommended to conduct your own research and due diligence to properly assess the benefits and risks of any investment or financial transaction. It is also strongly recommended to seek the advice and guidance of qualified accountants, financial advisors, tax advisors, legal advisors, and investment advisors, regarding any investment or financial transaction. DOUBLEFINANCE is not a wallet provider, stock exchange, broker, financial institution, money services business, or lender. DOUBLEFINANCE provides a web3 peer-to-peer service that helps users exchange tokens available on the blockchain. We do not have custody of your tokens. It is entrusted to SMART TECHNOLOGIES EU EOOD, based in Bulgaria: r. Dianabad, str. Pimen Zografski ÿ 4, bl. business building 2, apartment. city of Sofia, p.c. 1172 Izgrev district (license no. BB-142/03.02.2023 issued by the National Revenue Agency on 03.02.2023). Furthermore, we do not directly manage the blockchain you are interacting with. To use our Service, you must have a third-party wallet that allows you to transact on the blockchain.

REGISTRATION

Information provided. To use the full features of DOUBLEFINANCE, you must have reached the legal age required in the jurisdictions applicable to you and register with a personal user account. When you register with DOUBLEFINANCE, we will ask you to provide us with the details described in our Privacy Policy (“Registration Information”). The full features of DOUBLEFINANCE are activated and available only to users who have successfully completed the login process.

The use of DOUBLEFINANCE may not be available, in whole or in part, in certain regions, countries, or jurisdictions, in order to comply with certain laws, regulations, and rules.

False information. If we believe that the registration information provided is false, misleading, or offensive, or if we believe that you have violated these Terms, we reserve the right to suspend or close your user account or your access to DOUBLEFINANCE.

Additional information. We reserve the right to request additional information to verify your identity during the registration process, when using DOUBLEFINANCE, or when submitting requests related to your account.

By registering an account or accessing the App service, you declare and warrant that:

• You are the owner of a single account and that you have not activated and will not activate other accounts on your behalf and/or attributable to you even if registered with other credentials. In the latter case, as soon as it is ascertained that you are the owner and/or that multiple accounts can be attributed to you, they will be immediately deleted or blocked;

• You are a natural person, a legal person, or another legal entity and have accepted the Terms in accordance with the relevant applicable laws. If you do not meet this qualification, you and your legal representative assume all responsibilities for all consequences arising therefrom. We reserve the right to permanently delete or block your account and seek damages, including but not limited to legal fees, against you and your legal representative;

• Under applicable laws, you have the right to use the services;

• Your account has not been previously suspended or removed from the App;

• You own all virtual digital currency used by you on this App or have been authorized to conduct transactions in virtual digital currency;

• You have all consents and authorizations necessary to carry out all transactions initiated from your account;

• All information submitted to the App is true and complete and will be updated upon our request;

• To the extent permitted by law, you authorize us to use your information for the purposes of anti-money laundering or legal compliance measures to facilitate the operation of this App;

• You do not intend to use the App (including the services and the account on the App) for illegal purposes, including, but not limited to, illegal gambling, money laundering, fraud, blackmail, financing of terrorism or criminal associations, and you will not engage in misconduct that could damage our reputation.

• You will comply with applicable laws and any international practice regarding the use of the Internet and will not engage in any conduct to violate the rights of others while using the App;

• You are obliged to confirm the applicable laws for transactions in virtual digital currency in which you are involved, including but not limited to applicable anti-money laundering, securities, and taxation laws and regulations;

• In the event of any violation of any applicable law, you will be solely responsible. If DOUBLEFINANCE incurs losses or damages resulting from your violation of these Terms, we may seek compensation against you for such losses and damages, including but not limited to litigation costs, legal fees, and loss of goodwill.

Before using the App or an account on the App, we may request your personal information to verify your identity and we may also request you to provide such information to our partners, to banks in cooperation relationships, and/or to open an account in such banks to comply with our Know Your Customer (KYC) and anti-money laundering policy.

If you violate any provision of the Terms, it is likely that your account and the services on the App will be blocked, deleted, or terminated, and you will be held responsible for the damages suffered by us, the loss of other Users or our partners.

YOUR PRIVACY

We respect your privacy. Please find our Privacy Policy (“Policy”) for details of our privacy practices. The Privacy Policy is part of the Terms and we encourage you to read it carefully.

ACCEPTABLE AND PROHIBITED USE OF DOUBLEFI

Accepted use. The following terms define the acceptable use of the App and the content available therein. By using the App, you agree to comply with all applicable laws.

Account suspension. We may temporarily or permanently suspend the use of your account or revoke your account if we believe you have violated these Terms or engaged in behavior that raises suspicion of any criminal activity.

Prohibited use. When using DOUBLEFINANCE, you must refrain from:

• Violating these Terms or any other applicable rules and instructions that we may transmit in relation to DOUBLEFINANCE;

• Interfering, burdening, or disrupting the functionality of DOUBLEFINANCE;

• Violating the security of DOUBLEFINANCE or publicly identifying any security vulnerabilities in it;

• Circumventing or manipulating the operation or functionality of DOUBLEFINANCE or attempting to enable features or functionality that are otherwise disabled, inaccessible, or undocumented in DOUBLEFINANCE;

• Sending automated or machine-generated queries or advertisements;

• Using robots, crawlers, and similar applications to collect and compile content from DOUBLEFINANCE or send data to DOUBLEFINANCE even for the purpose of competing with DOUBLEFINANCE or in a manner that compromises or disrupts the functionality of DOUBLEFINANCE;

• Displaying or embedding content from DOUBLEFINANCE, including, for example, any software, functionality, gadget, or communication protocol that alters the content or its design;

• Impersonating any person or entity, or making false statements regarding your identity or affiliation with any person or entity;

• Collecting, obtaining, or processing personal information about Users of DOUBLEFINANCE without their explicit consent;

• Abusing, harassing, threatening, or intimidating other Users of DOUBLEFINANCE;

• Obtaining or attempting to obtain unauthorized access to the App, other Users’ accounts, or any other component of the App;

• Causing disproportionate traffic on our infrastructure;

• Making the App available on a network or otherwise allowing access or use by multiple Users simultaneously;

• Making any unauthorized use of proprietary information or intellectual property.

• Uploading any material or App that contains computer viruses, Trojan horses, or worms;

• Linking DOUBLEFINANCE to web pages or applications that contain pornographic content or encourage illegal racism or discrimination;

• Engaging in any activity that constitutes a criminal offense or gives rise to civil liability;

• Transferring your account on DOUBLEFINANCE to another person without our prior written consent;

• Attacking the App or decompiling, decoding, disassembling, or decrypting the App or attempting to derive the source code of the App;

• Making any modification, adaptation, improvement, enhancement, translation, or derivative work from or to the App;

• Removing, altering, or obscuring any proprietary notice of DOUBLEFINANCE, its suppliers, partners, or licensors;

• Using the App for any purpose for which it is not designed or intended;

• Violating any applicable law, regulation, or rule.

You are solely responsible for the content you make available through DOUBLEFINANCE and for the associated consequences.

If a User engages in prohibited use, it is likely that their account and the services on the App will be frozen, deleted, or closed, and such User will be held responsible for our damages, the loss of other Users, or our partners.

If suspicious activity is detected in the services or account you have accessed on the App, we may request further information (including verification documents) from you and may block, cancel, or terminate any transaction or your account on the App. It is your obligation to meet the above security requirements, or accept the suspension or termination imposed by the App. In case of unauthorized or prohibited use of the account or password on the App, please inform us by sending an email to notice@doublefinance.io.

SERVICES – FEES AND FREE SERVICES

Access to DOUBLEFINANCE is offered for free. Additional features and services introduced in the future may not be included as part of your Free Access and may be subject to payment of applicable fees (“Fees”), in accordance with the packages, schemes, and amounts presented to the user, either at the time of registration or later.

We will charge you the applicable Fees (if applicable) as they become due, using the payment method provided during registration (“Payment Method”). By providing your Payment Method, you declare and warrant that you are legally authorized to use the selected Payment Method in relation to your use of DOUBLEFINANCE.

We may request additional information from you before completing payment transactions. You must keep your Payment Methods up-to-date, complete, and accurate that you provided to us at the time of registration and promptly notify us in case of any changes to the Payment Method or other details you provided to us.

Your Payment Method may be processed and managed through third-party payment processors, such as credit card service providers and payment processors (e.g., PayPal).

Your Payment Method is therefore subject to the terms and conditions of these third parties based on your contractual relationships with them.

You acknowledge that third parties processing any of the Payment Methods may charge you a fee at the end of the transaction. We are not responsible for such fee, which strictly falls within your contractual relationships with the relevant payment processor. We will not be liable for any errors, malfunctions, or incorrect calculations made by you or third-party payment processors during a payment transaction.

From time to time and without notice to you, we may add additional Payment Methods to the Payment Methods in effect at that time or cease to use previously supported Payment Methods.

By registering for DOUBLEFINANCE and confirming the presented packages, schemes, and amounts, you consent to the billing of the applicable Fees, in addition to any applicable tax (such as sales tax, value-added tax, or withholding tax) and any surcharges or fees charged by the payment processor or your Payment Method.

All amounts owed to us are net of excise, sales tax, VAT, withholding tax, or any other government charges or transaction fees. You are responsible for paying all such applicable taxes or charges. You will need to promptly provide us with the necessary tax documentation for processing Fees upon our request.

To the maximum extent permitted by applicable law, Fees paid by you are non-refundable. You are responsible for paying all applicable Fees regardless of whether you have actually accessed or otherwise benefited from your use of DOUBLEFINANCE. Failure to pay any overdue Fees within thirty (30) calendar days from the original due date will constitute a material breach of these Terms and may cause us to suspend, disable, or close your account, in addition to any other remedies available to us under applicable law.

RISK

DIGITAL TRUST CSP Fzco disclaims any responsibility for any losses or damages arising from or related to your use of the App (including, but not limited to, the risk of losses due to factors beyond its control regarding the feasibility of any specific blockchain network). DIGITAL TRUST CSP Fzco also disclaims any liability for any losses or damages arising from or related to any cyber-attacks (including, for example, theft of your personal information), unprecedented increases in trading volume, any interruption or closure of services, or other technical difficulties with the services.

You acknowledge that DIGITAL TRUST CSP Fzco’s data acquisition and user verification procedures may change at any time as required by law or according to the latest industry practices. We may not provide notices for such changes.

LIMITED LICENSE

DIGITAL TRUST CSP Fzco grants you a limited, non-exclusive, non-transferable license to access and use the App; however, DIGITAL TRUST CSP Fzco reserves the right to transfer all its rights, interests, or obligations under these Terms to any person, and these Terms will continue to be effective and enforceable for the benefit of DIGITAL TRUST CSP Fzco’s successors and assigns.

You may access and use the App solely for the intended functions of our services and other approved purposes as expressly permitted by DIGITAL TRUST CSP Fzco. Any other use of the App is expressly prohibited.

PLATFORM SECURITY

You acknowledge that information stored or transmitted through DOUBLEFINANCE services may be temporarily unavailable due to a variety of causes, including software failures, protocol changes by third-party providers, Internet disruptions, force majeure events, or other disasters, including third-party DDoS attacks, scheduled or unscheduled maintenance, or other causes within or outside the control of DIGITAL TRUST CSP Fzco.

USER COMPLIANCE

You acknowledge and agree that DIGITAL TRUST CSP Fzco is not responsible for determining whether or which laws, rules, or regulations apply or may apply to your transactions (including, for example, anti-money laundering laws, securities laws, and tax laws). You acknowledge and agree to be solely responsible for complying with all applicable legal rules or regulations governing your transactions. Without limiting the foregoing, you acknowledge and agree to be solely responsible for all tax obligations arising from your use of our services. You further acknowledge and agree that DIGITAL TRUST CSP Fzco will not be directly or indirectly liable for any of your tax obligations.

REGULATORY COMPLIANCE

You acknowledge and agree that DIGITAL TRUST CSP Fzco’s record-keeping and user verification procedures may be, without notice, subject to changes at any time as required by applicable regulations or cutting-edge practices.

Applicable laws, regulations, and executive orders may require DIGITAL TRUST CSP Fzco, upon request by government agencies, to block or suspend user accounts or disclose account-related information. In the event such disclosure is compelled, you agree that DIGITAL TRUST CSP Fzco may disclose information related to your accounts. While DIGITAL TRUST CSP Fzco will endeavor, where commercially reasonable, to notify you in advance of such disclosure, it does not guarantee such notice will be provided.

APP MARKET

The user’s use of DOUBLEFINANCE may be subject to additional terms and conditions from third parties governing the application market from which the App was downloaded. Such third parties are not responsible for providing maintenance and support services in relation to the App.

THIRD-PARTY PLATFORMS

DOUBLEFINANCE may interface with third-party services and platforms (“Third-Party Platforms”). For example, you may “share” your activity on DOUBLEFINANCE and invite your friends to use DOUBLEFINANCE through third-party social network platforms.

The following terms apply to services provided by Third-Party Platforms:

• Your use of these Third-Party Platforms is governed by their respective terms of service, not by these Terms. You are solely and exclusively responsible for accepting and complying with such other terms of service.
• The responsibilities, duties, and liabilities of Third-Party Platforms are set forth in their respective terms of service.

This App may provide third-party content or external links that may link to websites operated or marketed by other companies. However, this does not imply that DIGITAL TRUST CSP Fzco is associated with such activities. DIGITAL TRUST CSP Fzco does not control, endorse, or guarantee the accuracy and integrity of third-party content and their websites. DIGITAL TRUST CSP Fzco is not responsible for the content, privacy policies, and practices of third-party websites. You will bear any direct or indirect damages or losses resulting from relying on any content, product, or service from such website or source, and DIGITAL TRUST CSP Fzco is not liable for such losses.

TERMINATION

Closure of your account. You may, at any time, request the closure of your account by contacting us at support@doublefinance.io.

Upon closure of your account, your right to use DOUBLEFINANCE ceases, and you must immediately cease using DOUBLEFINANCE.

Termination for inactivity. DOUBLEFINANCE reserves the right to close your account if you have been inactive for more than 180 days.

Effects of termination. On the date of closure, your user account will be deleted.

CHANGES AND AVAILABILITY

Changes to DOUBLEFINANCE. We may, at any time and without notice, modify the layout, design, scope, features, or availability of DOUBLEFINANCE. We may also remove user content if we deem it necessary for operational reasons.

Availability. The availability, operation, quality, and functionality of DOUBLEFINANCE depend on various factors, including software, hardware, and communication networks, provided by third parties under their responsibility. These factors are not error-free.

Modification of these Terms. We may modify these Terms, in whole or in part, at any time by informing you in advance of the modified Terms. Your continued use of DOUBLEFINANCE after the effective date of the modified Terms constitutes your consent to the modified Terms.

DISCLAIMER

DOUBLEFINANCE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS, AND DIGITAL TRUST CSP Fzco RESERVES THE RIGHT TO PARTIALLY OR COMPLETELY MODIFY THE CONTENTS OF THE SERVICES ON THE APP AT ANY TIME.

WE DO NOT WARRANT: 1. THAT DOUBLEFINANCE WILL OPERATE UNINTERRUPTED, ERROR-FREE, OR MEET YOUR REQUESTS OR EXPECTATIONS IN ANY WAY; 2. THAT DOUBLEFINANCE WILL ALWAYS BE AVAILABLE OR FREE FROM MALWARE, VIRUSES, OR OTHER HARMFUL COMPONENTS; 3. THAT THE QUALITY OF DOUBLEFINANCE AND THE CONTENTS AVAILABLE THROUGH IT WILL MEET YOUR EXPECTATIONS; 4. THAT THE RESULTS OF USING DOUBLEFINANCE WILL BE SATISFACTORY AND MEET YOUR EXPECTATIONS OR REQUIREMENTS.

DIGITAL TRUST CSP Fzco DOES NOT OWN OR CONTROL ANY UNDERLYING SOFTWARE THROUGH WHICH ACTIVITIES ARE CREATED AND TRANSACTED, SUCH AS BLOCKCHAIN TECHNOLOGY. DIGITAL TRUST CSP Fzco PROVIDES NO WARRANTIES REGARDING THE FUNCTIONALITY, SECURITY, OR AVAILABILITY OF SUCH SOFTWARE OR TECHNOLOGY. YOU ACCEPT AND ACKNOWLEDGE THAT YOUR USE OF DOUBLEFINANCE IS ENTIRELY, OR TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AT YOUR OWN RISK.

TAXATION

Users acknowledge and agree that all tax liabilities associated with the transaction of Goods will be borne by the parties in accordance with relevant laws, and DIGITAL TRUST CSP Fzco provides no legal or tax advice. Additionally, since tax laws and regulations may be updated at any time, Users should immediately consult a professional in case of doubt. All tax issues encountered during transactions with the DOUBLEFINANCE wallet are dealt with in accordance with applicable laws. Upon request from tax authorities, DIGITAL TRUST CSP Fzco must provide Users’ information or withhold taxes from them.

LIMITATION OF LIABILITY

Notwithstanding any contrary provision contained herein, WE SHALL BE COMPLETELY RELEASED FROM OUR OBLIGATIONS AND LIABILITIES TOWARDS THE USER IF THE USER HAS VIOLATED THESE TERMS, ANY OTHER TERM, RULE, OR REGULATION APPLICABLE TO DOUBLEFI, OR IF THROUGH THE USE OF DOUBLEFINANCE, THE USER HAS VIOLATED ANY THIRD-PARTY RIGHTS.

INDEMNIFICATION

To the maximum extent permitted by law, you will indemnify and hold harmless us and anyone acting on our behalf from and against any damages, costs, and expenses arising from any claim, accusation, or demand related to the non-compliant use of DOUBLEFINANCE, the violation of these Terms, or the violation of the rights of any other person attributable to you.

FORCE MAJEURE

DIGITAL TRUST CSP Fzco may cease providing the relevant services in case of force majeure, changes in law or policies, or other factors beyond the control of DIGITAL TRUST CSP Fzco that result in the non-performance of DIGITAL TRUST CSP Fzco’s services on this App.

NOTICE

You consent to DIGITAL TRUST CSP Fzco informing you of any notifications regarding the Terms and any other agreement, announcement, or any issue related to the use of this App’s account or services through electronic means, such as email, posting on this App or a partner’s website, or via wireless communication devices, etc. You agree that notice shall be deemed to have been given on the date this notice is transmitted electronically. DIGITAL TRUST CSP Fzco is not responsible for the failure to receive such notice on the transmission date resulting from information transmission or other reasons.

APPLICABLE LAW, JURISDICTION

Regardless of your place of residence or where you access or use DOUBLEFINANCE, these Terms and your use of DOUBLEFINANCE will be governed and interpreted exclusively in accordance with laws in DUBAI.

The Court of  DUBAI shall have exclusive jurisdiction over any dispute, claim, or controversy relating to DOUBLEFINANCE or in connection with any matter relating to these Terms. You hereby expressly consent to the exclusive jurisdiction of the Court of DUBAI and expressly waive any right to oppose such jurisdiction.

Despite the above, we may sue you, pursuant to the indemnity clause above, in any other court invested by third parties in a potential case against us arising from your non-compliant use and/or activity of the App under these Terms or otherwise unlawful.

GENERAL

Changes of ownership. In the event of mergers and acquisitions, we may, upon notification to the user and without obtaining their consent, assign and delegate these Terms, including all our rights, performances, duties, liabilities, and obligations herein, to a third party.

Severability.

If any provision of these Terms is deemed illegal, invalid, or unenforceable by a competent court, the provision shall be enforced and applied to the fullest extent permitted by law to reflect the original intention of such provision, and the remaining provisions of these Terms shall continue to remain in full force and effect.

Interpretation.

The headings of sections in these Terms are included for convenience only and do not partake in the interpretation or construction of these Terms. Whenever used in these Terms, the term “Including,” whether capitalized or not, means without limitation to the foregoing phrase. All examples and such notations are illustrative, not exhaustive.

Entire agreement. These Terms constitute the entire agreement between you and us regarding the subject matter hereof and supersede all prior and contemporaneous negotiations and statements, agreements, and representations, whether oral or written.

Waivers. No waiver, concession, extension, representation, alteration, addition, or derogation to these Terms by us, or under these Terms, shall be effective unless expressly consented to and executed in writing by our authorized representative. Our failure to enforce any provision in these Terms shall not constitute a waiver of any of our rights under these Terms.

Relationship. These Terms do not create any agency, partnership, employment, or trustee relationship between you and us.

CONTACT US

At any time, you can contact us for any questions, requests, comments, or complaints you may have regarding DOUBLEFINANCE or these Terms at the address claim@doublefinance.io.