Terms of Service

1. Eligibility

To use the Services, you must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms. You must comply with all applicable laws. You represent and warrant that you are not located in, a citizen or resident of, or organized under the laws of any jurisdiction subject to comprehensive sanctions, that you do not appear on any sanctions or denied-party list, and that you will not use the Services for any unlawful purpose or in violation of any sanctions or anti-money-laundering laws.

2. The Services

The Services provide a software interface and APIs that let merchants and users accept, send, route, and convert crypto-assets and stablecoins across supported blockchain networks and third-party providers, including deposits, withdrawals, checkout, and payment orchestration. Supported assets, networks, providers, and features may change at any time without notice. You are responsible for correctly configuring your integration, selecting the correct networks and assets, and reviewing and verifying all transaction details before you submit them.

3. No Custody; No Commingling

Flashi does not act as a custodian. Flashi does not hold, control, or have access to your private keys, except transiently and only as strictly necessary to execute a transaction you have directed. Assets processed through the Services are not commingled with Flashi's own funds. You are solely responsible for the security of your wallets, credentials, and private keys, and for all activity that occurs through your account or integration.

4. Platform Wallets

To execute certain transactions, the Services may generate temporary or programmatic wallets or addresses solely to carry out your instructions. Blockchain transactions are generally irreversible; once submitted, they cannot be reversed, cancelled, or refunded by Flashi. You are responsible for sending only supported assets on supported networks to the correct addresses. Assets sent to an incorrect address, on an unsupported network, or below any applicable minimum may be permanently lost, and Flashi cannot recover them.

5. Transactions and Execution

When you initiate a transaction, you authorize Flashi, as your limited technical agent, to execute it through the applicable blockchain networks and third-party providers. Flashi does not guarantee the price, rate, timing, availability, or completion of any transaction. Any quotes or estimates are indicative only and may change due to network conditions, third-party providers, or market movement. You are responsible for reviewing and confirming all transaction details before submission.

6. Third-Party Protocols and Providers

The Services rely on third-party blockchain networks, protocols, bridges, on- and off-ramps, liquidity providers, identity-verification providers, and other partners that Flashi does not control. Flashi does not set the pricing, liquidity, routing logic, or availability of these third parties and is not responsible for their acts, omissions, fees, downtime, or security. Your use of a third party may be subject to that third party's own terms. Where identity verification (KYB/KYC) is required, it is performed by, and your information is handled by, third-party verification partners under their own regulatory licenses.

7. Fees and Network Costs

You are responsible for all applicable fees, including Flashi's fees (if any), third-party provider fees, and blockchain network fees ("gas"). Flashi does not control blockchain network fees or third-party fees and has no responsibility for their calculation, payment, or refund. Fees may change, and network fees are determined by the applicable network, not by Flashi.

8. Prohibited Use

You agree not to use the Services to:

• violate any applicable law or regulation;
• engage in fraud, money laundering, terrorist financing, or sanctions evasion;
• infringe the intellectual-property or other rights of any party;
• transmit malware or otherwise interfere with, disrupt, or attack the Services;
• circumvent or attempt to circumvent any security, access-control, or compliance measure;
• access the Services through automated means other than documented APIs; or
• facilitate any illegal or otherwise prohibited activity.

We may suspend or terminate your access to the Services at any time for any actual or suspected violation of these Terms.

9. Privacy

Your use of the Services is subject to our Privacy Policy, which explains how we handle information and is incorporated into these Terms by reference.

10. No Fiduciary Duty; No Advice

Except for the limited technical agency described above, these Terms do not create any fiduciary, trust, partnership, joint-venture, or advisory relationship between you and Flashi. Flashi does not provide legal, tax, financial, investment, or accounting advice, and nothing in the Services constitutes such advice. You are solely responsible for your own decisions and for obtaining independent professional advice where appropriate.

11. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, FLASHI DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. FLASHI DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY TRANSACTION WILL BE COMPLETED. YOU ASSUME ALL RISK ARISING FROM YOUR USE OF THE SERVICES, BLOCKCHAIN NETWORKS, AND CRYPTO-ASSETS, INCLUDING VOLATILITY, THE IRREVERSIBILITY OF TRANSACTIONS, AND THE RISK THAT CRYPTO-ASSETS MAY LOSE VALUE.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL FLASHI OR ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR CRYPTO-ASSETS, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, WHETHER BASED ON CONTRACT, WARRANTY, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF FLASHI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, FLASHI'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS AND THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

13. Indemnification

You agree to defend, indemnify, and hold harmless Flashi and its affiliates and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any law or the rights of any third party; or (d) any transaction you initiate through the Services. Flashi may assume the exclusive defense and control of any matter subject to indemnification, at your expense, and you agree to cooperate.

14. Arbitration and Class Action Waiver

Please read this section carefully; it affects your legal rights. Any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its rules then in effect, rather than in court, except that either party may bring an individual claim in small-claims court or seek injunctive relief to protect intellectual property or address unauthorized access. The arbitration will be conducted by a single arbitrator and may be conducted in the English language.

YOU AND FLASHI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. YOU AND FLASHI WAIVE ANY RIGHT TO A JURY TRIAL.

You may opt out of this arbitration agreement by emailing legal@flashi.io within 30 days of first accepting these Terms. If you opt out, neither you nor Flashi will be required to arbitrate disputes.

15. Governing Law

These Terms, and any dispute arising out of or relating to them or the Services, are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, except to the extent that mandatory local law applies to you.

16. Changes to These Terms

We may modify these Terms from time to time. When we do, we will revise the "Last modified" date above and post the updated Terms on the Services. Changes are effective when posted. Your continued use of the Services after the changes take effect constitutes acceptance of the revised Terms.

17. Contact

If you have questions about these Terms, contact us at legal@flashi.io.