User Agreement

This OneLiquidity User Agreement ("Agreement") is a contract between you and LQTY PAYMENTS INC. or its affiliate as the case may be ("OneLiquidity" "we," or" us"). By using the website, https://www.oneliquidity.com/ and any associated websites, APIs, mobile applications, or retail products and/or services (collectively the "OneLiquidity Site & Services"), you agree to be legally bound to this Agreement and acknowledge that you have read, understood, and accept all the terms and conditions contained in this Agreement, and Privacy Policy.

N/B: WE DO NOT PROVIDE SERVICES TO RESIDENTS OF THE UK.

1.1 Construction

The titles of the sections of this Agreement are for convenience of reference only and are not to be considered in interpreting this Agreement. Unless the context of this Agreement clearly requires otherwise: (a) references to the plural include the singular, the singular the plural, and the part the whole; (b) references to one gender include all genders; (c)"or" has the inclusive meaning frequently identified with the phrase "and/or;" (d) "including" has the inclusive meaning frequently identified with the phrase "including but not limited to" or "including without limitation;" and (e) references to "hereunder," "herein," or" hereof" relate to this Agreement as a whole. Any reference in this Agreement to any statute, rule, regulation, or agreement, including this Agreement, shall be deemed to include such statute, rule, regulation, or agreement as it may be modified, varied, amended, or supplemented from time to time.

1.2 "Digital Currency" or "Digital Currencies"

means any and all supported virtual currencies, cryptocurrencies, and digital assets offered through OneLiquidity Site & Services.

1.3 "OneLiquidity Wallet"

means the Digital Currency wallet(s) that OneLiquidity provides as a service for you to store, send, and receive Digital Currency.

1.4 "Personal Wallet" or "Personal Wallet Address"

means the public key of any Digital Currency wallet to which you request OneLiquidity to send purchased Digital Currency or Digital Currency stored in your OneLiquidity Wallet.

1.5 "Buy Price"

means the price, in any fiat currency or Digital Currency, at which you may buy a supported Digital Currency from OneLiquidity.

1.6 "Sell Price"

means the price, in any fiat currency or Digital Currency, at which you may sell a supported Digital Currency to OneLiquidity

1.7 "Exchange Rate"

means, same as either Buy Price or Sell Price, the price of a supported Digital Currency given in any fiat currency or Digital Currency as quoted by OneLiquidity.

1.8 "Purchase Order" or "Purchase Orders"

means any purchase of Digital Currency from OneLiquidity. A Purchase Order is considered active and open when submitted. A Purchase Order is considered completed and closed when your OneLiquidity account has been debited and the Digital Currency has been sent to your OneLiquidity Wallet or Personal Wallet.

1.9 "Sale Order" or "Sale Orders"

means any sale of Digital Currency to OneLiquidity. A Sale Order is considered active and open when submitted. A Sale Order is considered completed and closed when your OneLiquidity Wallet is debited, or Digital Currency has been received, and your OneLiquidity account has been credited.

1.10 " OneLiquidity Site"

means, collectively, OneLiquidity’s website,  https://www.oneliquidity.com/ and any associated websites, APIs, and mobile applications.

1.11 "OneLiquidity Services"

means any and all products and services offered by OneLiquidity, including, but not limited to, the OneLiquidity gift cards, PINs, account top-up, buying Digital Currency, and selling Digital Currency.

1.12 "Funding Method" or "Funding Methods"

means any and all methods of funding a OneLiquidity account offered by OneLiquidity, including, but not limited to, OneLiquidity gift cards, PINs, sending Digital Currency to your OneLiquidity Wallet, credit or debit card, bank transfer, and third-party funding services.

1.13 "Service Fee" or "Service Fees"

means any costs and/or fees OneLiquidity charges for performing any of the OneLiquidity Services.

1.14 "Permitted Jurisdiction"

means any country, state, or jurisdiction in which OneLiquidity expressly permits the use of OneLiquidity Services. Any other country, state, or jurisdiction not expressly permitted is to be considered restricted or unavailable.

1.15 "OneLiquidity Merchant"

means any OneLiquidity merchant, agent, location, store, or other third-party entity that offers OneLiquidity Services and Funding Methods, including, but not limited to, OneLiquidity gift cards, OneLiquidity PINs, and OneLiquidity account top-up.

2.1 Eligibility Criteria

To register an account and use OneLiquidity Site & Services, you must meet the following requirements:

2.1.1 Age Requirement: You must be at least eighteen (18) years old to create an individual account.

2.1.2 Registered Entity Requirement: If you are creating an account on behalf of an entity, the entity must be dully incorporated in its country of residence, and you must have the necessary authority to bind the entity and create an account on its behalf.

2.2 Registration.

To use OneLiquidity Site & Services, you must register an account with the following information:

Individual Account: legal name, telephone number, e-mail address, password,

Corporate/Entity Account: registered business name, registered business address telephone number, e-mail address, password,

and confirm your acceptance of the User Agreement and Privacy Policy. You may not have more than one OneLiquidity account. OneLiquidity may, in its sole discretion, refuse you an account, limit your account, or permanently close your account if you are suspected to be in violation of this Agreement or for any other reason deemed necessary.

2.3 Identity Verification.

OneLiquidity Site & Services include features such as a Digital Currency exchange, and as such, OneLiquidity is required by law to collect and verify certain personal information for the purposes of identity verification, complying with applicable regulatory requirements and the detection of money laundering, terrorist financing, fraud, or other financial crimes. The personal information we are required to collect may include, but is not limited to:

Individual Account: name, telephone number, e-mail address, physical address, date of birth, taxpayer identification, government identification, and bank account information.

Corporate/Entity Account: certificate of incorporation, business registration documents, proof of business address, identification documents for directors and shareholders, tax identification document and bank account information.

This personal information may also be collected to increase account access limits. You represent and warrant that any information submitted to OneLiquidity is authentic and accurate and that you will update OneLiquidity if any applicable information changes.

OneLiquidity may use text message verification both at registration and login. You acknowledge and accept that standard text-messaging rates may apply, and OneLiquidity is in no way responsible for these charges nor will you be reimbursed for any such charges.

You authorize OneLiquidity to, either directly or through third parties, verify your identity and/or protect against fraud and money laundering through any inquiries we deem necessary.

You further authorize any and all third parties to respond to any inquiries or requests directed their way. These inquiries may include, but are not limited to, querying information contained in public records. In addition to providing this information, to facilitate compliance with global industry standards for data retention, you agree to permit OneLiquidity to keep a record of such information for the lifetime of your account plus five (5) years beyond account closing. You further authorize OneLiquidity to make inquiries, whether directly or through third parties, that OneLiquidity considers necessary to verify your identity or protect you and/or OneLiquidity against fraud or other financial crimes, and to take action OneLiquidity reasonably deems necessary based on the results of such inquiries. If OneLiquidity carries out these inquiries, you acknowledge and agree that your personal information may be disclosed to credit bureaus or reference and fraud prevention or financial crime agencies and that these agencies may respond to OneLiquidity inquiries in full. This is an identity check only and should have no adverse effect on your credit score or rating.

2.4 KYC Verification and Due Diligence

As part of our Know Your Customer (KYC) verification, Ongoing Due Diligence and Enhanced Due Diligence procedures, we may request:

For individual accounts: refreshers of your KYC documentation from time to time

For registered accounts: refreshers of your KYC documentation from time to time and KYC documentation of your clients where applicable.

OneLiquidity may, in its sole discretion, suspend or permanently close your account for any reason, including, but not limited to, if you are suspected of violating this Agreement, providing fraudulent or falsified information, refusing to submit requested documentation for verification purposes, and/or using your account in a prohibited way or from a prohibited region.

2.5 Privacy Policy.

Please refer to our Privacy Policy https://www.oneliquidity.com/privacy/  for more information on how OneLiquidity collects, stores, uses, shares, and protects your personal information. OneLiquidity will never sell your information to third parties.

2.6 Risks.

The buying, selling, and exchanging of Digital Currency may involve significant risks, including large price fluctuations. OneLiquidity is not responsible for any changes in value of any Digital Currency bought or sold through OneLiquidity Site & Services, including, but not limited to, slippage or unforeseen price changes between order placement and execution. Please carefully consider your own financial position before trading or holding Digital Currency and adequately research any Digital Currency you are considering buying or selling.

2.7 Prohibition of Use.

By accessing and using OneLiquidity Site & Services, you acknowledge and declare that you are not on any trade or economic sanctions lists, such as the United Nations Security Council Sanctions List and its equivalents, nor do you reside in any restricted territory or nation. OneLiquidity maintains the right to select its markets and jurisdictions to operate and may restrict or deny its services to certain countries. The content of this Agreement shall not be excluded from the laws of the country under which the user belongs. OneLiquidity maintains its stance that prohibited users are not to use or access OneLiquidity and any of its services.

3.1 General.

Eligible accounts in permitted jurisdictions may buy and/or sell supported Digital Currency through the OneLiquidity Site & Services. OneLiquidity reserves the right to delay or deny OneLiquidity Services to anyone if it believes, at its sole discretion, a risk of illegal activity, fraud, and/or money laundering. You understand and acknowledge that the Buy Price and Sell Price of a supported Digital Currency may not be the same at a given point in time. You agree to accept the Exchange Rate as the sole pricing metric in the use of OneLiquidity Site & Services.

If you load your account with any fiat currency other than the U.S. dollar, you agree to accept foreign currency exchange rate ("Forex Rate" or "FX Rate") that OneLiquidity provides for conversion to USD or any other applicable currency. OneLiquidity does not guarantee the availability of OneLiquidity Services at any given time and reserves the right to limit access of features based on jurisdiction.

3.2 Account Limits.

Your account may be subject to transaction and volume limits on the use of all OneLiquidity Services. You may view and increase your limits from your OneLiquidity account under the "Limits" tab. OneLiquidity may, at its sole discretion, change applicable limits associated with your account and/or require additional information to verify your account. OneLiquidity may, at its sole discretion, refuse to raise your account limits even if you have submitted all required information. Any attempt to circumvent your account limits will be considered a violation of this Agreement and may result in the suspension or permanent closure of your OneLiquidity account. OneLiquidity reserves the right to charge you any costs and/or fees associated with verifying your information. OneLiquidity will notify you in advance of any such charges accruing on your account.

3.3 Funding Options.

OneLiquidity offers many Funding Options to fit your needs. By using any OneLiquidity Services or Funding Options, you agree to comply with this Agreement. By using any third-party Funding Options, you agree to comply with this Agreement and any applicable user agreements of the third-party company. OneLiquidity does not guarantee the availability or refundability of third-party Funding Options. OneLiquidity is not liable for any losses or other damages arising from the use of third-party Funding Options.

3.4 Service Fees.

All OneLiquidity Services may be subject to Service Fees. These Service Fees will be displayed to you on the OneLiquidity Site prior to confirming a transaction. When funding your account via a OneLiquidity Merchant in select jurisdictions, the OneLiquidity Merchant may add additional service fees to the transaction. OneLiquidity reserves the right to, at its sole discretion, change its fee structure. OneLiquidity may periodically make fee waivers and discounts available through promotions or other events for any reason. You acknowledge that third-party Funding Methods may charge different transaction fees (e.g. bank fees, transaction fees, or foreign exchange charges) separate from and unrelated to OneLiquidity Service Fees. OneLiquidity will not process a transaction if associated fees exceed the value of the transaction.

3.5 Buying Digital Currency.

Eligible accounts may purchase supported Digital Currency from OneLiquidity on the OneLiquidity platform after funding your account through any applicable Funding Methods.

You authorize OneLiquidity to debit your account in settlement of Digital Currency Purchase Orders and acknowledge that a Service Fee may apply to all Purchase Orders in addition to the Buy Price.

OneLiquidity will attempt to deliver the purchased Digital Currency to your OneLiquidity Wallet or Personal Wallet as expeditiously as possible after the Purchase Order has been submitted. You are aware and acknowledge that some Digital Currencies may result in longer delays depending on the liquidity of the market at any given time, delays in the network, and that the Buy Price of a Digital Currency is subject to fluctuation until the Purchase Order is completed and the Digital Currency has been sent to your OneLiquidity Wallet or Personal Wallet. OneLiquidity is not responsible for any fluctuations or sudden changes in the Buy Price before or after a Purchase Order is submitted.

OneLiquidity will make every available and reasonable effort to complete your Purchase Order. In the rare event that OneLiquidity cannot fulfill a Purchase Order for any reason, we will notify you and seek your approval before reattempting to complete your Purchase Order at the updated Buy Price.

3.6 Selling Digital Currency.

Eligible accounts may sell supported Digital Currency to OneLiquidity on the OneLiquidity platform as a Funding Method. You authorize OneLiquidity to debit your OneLiquidity Wallet and credit your account in settlement of Digital Currency Sale Orders and acknowledge that a Service Fee may apply to all Sale Orders.

OneLiquidity will attempt to credit your OneLiquidity account for the Digital Currency sold as expeditiously as possible after the Sale Order has been submitted. You are aware and acknowledge that some Digital Currencies may result in longer delays depending on the liquidity of the market at any given time, delays in the network, and that the Sell Price of a Digital Currency is subject to fluctuation until the Sale Order is completed and your OneLiquidity account has been credited. OneLiquidity is not responsible for any fluctuations or sudden changes in the Sell Price before or after a Sale Order is submitted.

OneLiquidity will make every available and reasonable effort to complete your Sale Order. In the rare event that OneLiquidity cannot fulfill a Sale Order for any reason, we will notify you and seek your approval before reattempting to complete your Sale Order at the updated Sell Price.

3.7 Wallet Accuracy and Cancellations.

When sending Digital Currency from your OneLiquidity Wallet or buying Digital Currency to be sent to your Personal Wallet, you are required to input your Personal Wallet public address. IT IS IMPERATIVE THAT YOU PROVIDE AN ACCURATE, ACTIVE PERSONAL WALLET ADDRESS. PLEASE DOUBLE-CHECK YOUR PERSONAL WALLET ADDRESS. ONELIQUIDITY IS NOT RESPONSIBLE FOR DIGITAL CURRENCY SENT TO THE WRONG PERSONAL WALLET FOR ANY REASON.

You cannot cancel, reverse, or otherwise change any order or Funding Method whether pending or completed. Only OneLiquidity may, at its sole discretion and for any reason it deems necessary, refuse to process, reverse, or cancel any order, even after your OneLiquidity account has been debited, if: OneLiquidity suspects the order may involve fraud, money laundering, illegal activity; in response to any court or government order; or you are suspected to be in violation of this Agreement. If an order is refused, reversed, or canceled for any reason, OneLiquidity is under no obligation to provide OneLiquidity Services to you at the same price or on the same terms as the original order.

3.8 OneLiquidity Account Credit.

Eligible accounts may load credit onto their OneLiquidity account through any Funding Methods. To secure the performance of your obligations under this Agreement, you grant OneLiquidity a lien on and security interest (also known as a security cession) in and to the balances in your OneLiquidity account. OneLiquidity reserves the right to debit or credit your OneLiquidity account to correct any errors discovered from previous transactions, including but not limited to, buying or selling Digital Currency.

3.9 Cash-Out Services.

Eligible accounts may cash-out the credit on your OneLiquidity account directly to your bank account, in cash in-person at select locations, or through other available methods. OneLiquidity may use a third-party payment processor to process any payment in any fiat currency between you and OneLiquidity. Cash-out services are subject to Service Fees and availability.

4.1 Account Security.

You acknowledge and accept that you are completely responsible for protecting your account information and any information relating to OneLiquidity Site & Services, including, but not limited to, your password, email address, telephone number, OneLiquidity PINs, OneLiquidity gift card codes, and Funding Methods information. You are aware of phishing and spoofing attacks carried out through email and SMS, and you will carefully review Communications to ensure they are legitimate and originate from OneLiquidity. OneLiquidity assumes no responsibility for any loss that may be sustained due to a compromise of your account, your personal information, or failure to follow Communications delivered to you, or damages or interruptions caused by computer viruses, spyware, or other malware that may be contained in phishing attacks and messages. Always access your OneLiquidity account directly through the OneLiquidity Site to prevent any unauthorized access to your account. If you believe your OneLiquidity account has been compromised, you are uncertain about a message, or you suspect a phishing scam, please report the situation immediately to hello@oneliquidity.com

4.2 Prohibited Use.

You represent and warrant that your use of the OneLiquidity Services and interactions with third parties comply with all applicable laws, regulations, and sanctions programs among other legal or government mandates and requests. OneLiquidity reserves the right to, at its sole discretion and without notice, block any transactions or suspend or permanently close any account believed to be in violation of any of the above or a risk to OneLiquidity.

Any automated means of accessing the OneLiquidity Services not approved and provided by OneLiquidity is expressly prohibited.

4.3 Account Suspension and Permanent Closure.

OneLiquidity may suspend, restrict, or permanently close your OneLiquidity account for any reason deemed necessary, including, but not limited to, a court or authorised governmental agency order; suspicion of prohibited use; heightened legal or regulatory risk to OneLiquidity; abuse of the OneLiquidity account, system, or promotions; or inability of our partners to support your OneLiquidity account. You acknowledge and accept that OneLiquidity is not required to notify you of our actions or the reasoning and that the decision may be based on confidential criteria and information.

Please contact hello@oneliquidity.com to retrieve your OneLiquidity account from a permanently closed account. You may close your OneLiquidity account at any time by contacting hello@oneliquidity.com

4.4 Limited License and Relationship.

OneLiquidity grants you a limited, revocable, non-exclusive, non-transferable license, subject to this Agreement, to access and use OneLiquidity Site & Services. Any unapproved or non-permitted use of OneLiquidity Site & Services is expressly prohibited. You agree you will not copy, distribute, license, modify, publish, reverse engineer, sell, transmit, or in any other way exploit the works or content of OneLiquidity Site & Services in whole or part. Violating any portion of this Agreement may result in the termination of your OneLiquidity account. "oneliquidity.com” “OneLiquidity” "LQTY PAYMENTS INC” and all logos displayed on or related to the OneLiquidity Site & Services are either trademarks or registered marks of OneLiquidity or its licensors. Any imitation or use of the above without the prior written consent of OneLiquidity is expressly prohibited. OneLiquidity is an independent contractor for all intents and purposes. You and OneLiquidity are not to be treated in any way as partners, joint ventures, or agents of the other, nor shall anything in this Agreement be deemed to infer such a relationship.

4.5 Third-Party Links.

OneLiquidity may, for your convenience, provide links to third-party websites and materials not controlled by us. References to third-party content is not considered an endorsement. You acknowledge and accept that OneLiquidity is not responsible for any losses incurred as a result of action taken in response to or reliance on information, services, or other materials contained in any third-party websites accessible from or linked to the OneLiquidity Site.

4.6 Accuracy of OneLiquidity Site Information.

OneLiquidity strives to provide accurate and updated information on Digital Currencies, OneLiquidity Services, and other information on the OneLiquidity Site. You acknowledge and accept that information on the OneLiquidity Site, including, but not limited to information on supported Digital Currencies, may not always be entirely accurate, complete, or current and may contain typographical errors. OneLiquidity may change or update information on the OneLiquidity Site, including, but not limited to information regarding its policies and OneLiquidity Services, without notice to you. You should independently validate and verify any information on the OneLiquidity Site before relying on it, and OneLiquidity shall have no liability for decisions based on information found on the OneLiquidity Site.

4.7 Taxes.

You acknowledge and accept that it is your sole responsibility to comply with any tax laws in your jurisdiction arising from the use of OneLiquidity Services or Digital Currencies and to report and remit those taxes to the appropriate authorities.

4.8 Unclaimed Property.

Funds held in your OneLiquidity account may be considered unclaimed if OneLiquidity is unable to contact you and has no record of your use for several years. OneLiquidity may be required by law to report and deliver these funds to the jurisdiction as unclaimed property. OneLiquidity reserves the right, as permitted by law, to deduct a dormancy fee or other related charges from unclaimed funds.

5.1 Waiver of Class Action.

Disputes arising under this Agreement will be settled in binding arbitration. You and OneLiquidity hereby expressly waive trial and the right to participate in a class action lawsuit or class-wide arbitration. Parties are to bear their costs and attorneys' fees.

6.1 Governing Law.

This Agreement shall be governed by, and construed and enforced in accordance with, the laws of England and Wales without giving effect to the principles of conflicts of law thereof. This Agreement or the breach thereof shall be settled solely and exclusively by binding arbitration in England and Wales. Such arbitration  shall be conducted in accordance with the then prevailing  Arbitration Rules & Procedures, with  the following exceptions to such rules if in conflict: (a) one  arbitrator shall be chosen by Arbitrary body; (b) each Party to the  arbitration will pay an equal share of the expenses and fees  of the arbitrator, together with other expenses of the  arbitration incurred or approved by the arbitrator; and (c)  arbitration may proceed in the absence of any Party if  written notice (pursuant to the rules and regulations)  of the proceedings has been given to such Party. Each Party shall bear its own attorneys’ fees and expenses. The Parties agree to abide by all decisions and awards rendered in such proceedings. Such decisions and awards rendered by the arbitrator shall be final and conclusive. All such controversies, claims or disputes shall be settled in this manner in lieu of any action at law or equity.

IF FOR ANY  REASON THIS ARBITRATION CLAUSE BECOMES  NOT APPLICABLE THEN EACH PARTY, (i) TO THE  FULLEST EXTENT PERMITTED BY APPLICABLE  LAW, HEREBY IRREVOCABLY WAIVES ALL RIGHT  TO TRIAL AS TO ANY ISSUE RELATING  THERETO IN ANY ACTION, PROCEEDING, OR  COUNTERCLAIM ARISING OUT OF OR RELATING  TO THIS AGREEMENT OR ANY OTHER MATTER  INVOLVING THE PARTIES, AND (ii) SUBMITS TO  THE EXCLUSIVE JURISDICTION AND VENUE OF  THE COURTS LOCATED IN  ENGLAND AND WALES AND EACH PARTY  AGREES NOT TO INSTITUTE ANY SUCH ACTION  OR PROCEEDING IN ANY OTHER COURT IN ANY  OTHER JURISDICTION.

6.2 Indemnification.

You acknowledge and understand the meaning and legal consequences of the representations and warranties contained in this Agreement, and hereby agree to indemnify and hold harmless OneLiquidity and any affiliate of OneLiquidity and the officers, members, managers, associates, related entities, agents, and employees of OneLiquidity and their affiliates, and any professional advisers to any of the above parties, from and against any and all loss, damage or liability (including costs and reasonable attorneys' fees) due to or arising out of a breach of any representation, warranty or acknowledgement of yours, your failure to fulfill any obligation contained in this Agreement or violation of any laws, rules or regulations, or the rights of any third party by you.

6.3 Limited Liability and No Warranty.

All OneLiquidity services are provided on an ‘AS IS’ and ‘AS AVAILABLE’ basis without any representation. OneLiquidity make no warranty that the services will be uninterrupted or meet your requirements or expectations. You acknowledge and agree that OneLiquidity and any affiliate of OneLiquidity and the officers, members, managers, associates, related entities, agents and employees of OneLiquidity and their affiliates and any professional advisers to any of the above parties will not be liable for any direct, indirect, consequential, special, incidental, exemplary damages, or damages resulting from loss of profits or other intangible losses. OneLiquidity and the parties above shall not be liable for any amount greater than the OneLiquidity credit value on your OneLiquidity Account.

6.4 Survival.

All provisions hereunder which are by their nature continuing and will survive the termination of this Agreement.

6.5 Force Majeure.

OneLiquidity shall not be liable for any failures or delays resulting from any situation beyond our reasonable control, including, but not limited to, civil unrest, government actions, earthquake, fire, flood, epidemic, other acts of God, equipment failures, and Internet outages.

6.6 English Language Controls.

Notwithstanding any other provision of this Agreement, any translation of this Agreement is provided for your convenience. The meanings of terms, conditions, and representations herein are subject to the definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.

6.7 Assignment.

You acknowledge and accept that you may not assign or transfer any rights or obligations granted under this Agreement. Any attempted assignment or transfer shall be void.

OneLiquidity reserves the right to freely cede rights and assign obligations in this Agreement to any third party without notice. Notwithstanding the foregoing, this Agreement shall be binding on you and your heirs, your executors, administrators, guardians, personal representatives, or trustees in bankruptcy.

6.8 Severability.

In the event that any provision of this Agreement is held to be unenforceable under applicable law, this Agreement will continue in full force and effect without such provision and will be enforceable in accordance with its terms.

6.9 Entire Agreement.

This Agreement, the Privacy Policy, and all Appendices embody the entire agreement and understanding between the parties hereto with respect to the subject matter of this Agreement and supersedes all prior or contemporaneous agreements and understandings other than this Agreement relating to the subject matter hereof.

6.10 Amendments.

OneLiquidity may, to the extent permitted by applicable law, amend the terms and conditions of this Agreement (or add additional terms) at any time by posting the amended terms on the OneLiquidity Site, and any such amendment shall be effective upon such posting on the website. The amended Agreement shall be deemed accepted by you. If you do not agree to the amendments, your sole remedy is to immediately terminate use of OneLiquidity Services and close your account. You agree that we shall not be liable to you or any third party for the loss suffered by modification or termination of OneLiquidity Services or the suspension or termination of your OneLiquidity account and access to OneLiquidity Services. If an amendment is made for security purposes, OneLiquidity may implement such an amendment immediately, without prior notice to you and before such change may be posted on the website.

6.11 Waivers.

No provision of this Agreement may be waived except by a written document executed by the party entitled to the benefits of the provision. No waiver of a provision will be deemed to be or will constitute a waiver of any other provision of this Agreement. A waiver will be effective only in the specific instance and for the purpose for which it was given, and will not constitute a continuing waiver.

You are not permitted to use OneLiquidity Services unless you are a citizen or permanent resident of a Permitted Jurisdiction. OneLiquidity is constantly expanding the reach of its services, and if your country, state, or jurisdiction is not currently included, OneLiquidity is working diligently to add it. Please contact hello@oneliquidity.com with questions or requests. You are encouraged to sign up for a OneLiquidity account from any country, state, or jurisdiction to receive updates regarding the availability of OneLiquidity Services in your area.

OneLiquidity Permitted Jurisdictions.

OneLiquidity currently allows users from all non-sanctioned countries to open accounts; however, OneLiquidity Services may be limited or restricted in your jurisdiction.

You acknowledge and consent to the electronic delivery of agreements, disclosures, documents, and notices (collectively "Communications") related to your OneLiquidity account is required to open an account or use the OneLiquidity Services. Communications include, but are not limited to, terms you agree to and updates to these agreements (e.g. this Agreement and Privacy Policy), account activity, customer support, and required legal disclosures. Communications may be provided in many ways, including, but not limited to, being posted on the OneLiquidity Site and emailed to the primary email address on your OneLiquidity account.

1.   Hardware and Software Requirements.

Accessing and retaining Communications requires computer hardware and software, including, but not limited to, a valid email address, a web browser with cookies enabled capable of supporting at least 128-bit encryption, and sufficient storage space.

2.   Receiving Communications.

All Communications received electronically will be considered "in writing" for all intents and purposes. You acknowledge and accept that any Communications are considered received 24 hours after they are posted to the OneLiquidity Site or 24 hours after they are emailed to you unless OneLiquidity receives notice that the email was not delivered.

3.   Updating Your Information.

You acknowledge and accept that it is your responsibility to ensure your contact information, including, but not limited to, your email address, is accurate and current. You may update your information on your account or by contacting hello@oneliqudity.com  You acknowledge and accept that Communications not received due to inaccurate information or other technical errors on your end will be considered delivered.

This Appendix, pertaining to the electronic delivery of communications by OneLiquidity may occasionally be amended, and the revised version is effective immediately when posted on the OneLiquidity Site.

N/B: WE DO NOT PROVIDE SERVICES TO RESIDENTS OF THE UK.

2025. LQTY PAYMENTS INC.