These Terms of Use (“Terms” or “Agreement”) govern your access to and use of the Finvex website (https://finvex.co) and any related services, APIs, mobile applications, or platforms provided by Finvex Spółka z Ograniczoną Odpowiedzialnością (“Finvex,” “we,” “us,” or “our”). Finvex is a company incorporated in Poland (KRS 0001142992) with its registered address at UL. Hoża 86, m. 210, 00-682, Warsaw, Poland.
By registering for a Finvex account or using any Finvex Service, you (“User,” “you,” or “your”) agree to be bound by these Terms, as well as our Privacy Policy, AML & KYC Policy, Refund Policy, and Pricing Policy, which are incorporated by reference. If you do not agree with these Terms or any of our policies, you must not access or use the Services.
Please read these Terms carefully. They contain important provisions, including disclaimers of warranties, limitations of liability, and an arbitration clause (or jurisdiction clause) that affects your rights.

For the purposes of this Agreement:

• “Services” refers to all products, services, content, features, and functionalities provided by Finvex, including our crypto-fiat exchange, crypto payment gateway, digital asset custody solutions, and any related API or integration.
• “Platform” means the Finvex online platform accessible via our website or applications through which we deliver our Services.
• “Virtual Assets” means cryptocurrencies, digital tokens, stablecoins, and other forms of digital or virtual currency.
• “Fiat Currency” refers to government-issued currency (such as PLN, EUR, USD) that is designated as legal tender in its country of issuance.
• “Account” or “Finvex Account” means a user account you create with Finvex to access Services.
• “Customer” (also “you”) refers to any individual or entity using our Services. A “Corporate Customer” means a legal entity (company or organization) using the Services via an authorized representative. An “Individual Customer” means a natural person using the Services for themselves.
• “Order” is a request initiated by you on our Platform to transact in Virtual Assets or Fiat Currency. For example: buying crypto with fiat, selling crypto for fiat, swapping one crypto for another, depositing crypto to Finvex custody, or withdrawing crypto from Finvex custody. Each confirmed Order constitutes a binding transaction between you and Finvex.
• “Polish AML Act” refers to the Polish Act of 1 March 2018 on Anti-Money Laundering and Countering the Financing of Terrorism, as amended, and any subordinate legislation or regulatory guidance related thereto.
• “CDD Procedures” means customer due diligence procedures Finvex implements to verify identity, assess risk, and monitor transactions, pursuant to AML/KYC regulations.

Other capitalized terms used in these Terms may be defined contextually elsewhere in the document.

3.1 Eligibility Criteria

You must meet the following criteria to use Finvex Services:

• Legal Age: You are at least 18 years old or the age of majority in your jurisdiction. If you are under 18, you must not use our Services.
• Capacity: You have the full right, power, and authority to agree to these Terms. If you represent a Corporate Customer, you must have the legal authority to bind that entity.
• Restricted Jurisdictions: You are not located in, under the control of, or a national/resident of any country to which Poland, the European Union, or the United Nations embargoes goods/services or where crypto services are prohibited (“Restricted Jurisdictions”). This includes, for example, countries like North Korea, and any others Finvex may designate from time to time. Finvex may refuse access to the Services for users from certain countries or regions to comply with laws and manage risks (including certain U.S. states, sanctioned regions, etc.). It is your responsibility to ensure that your use of the Services is legal in your jurisdiction.
• Previous Restrictions: Finvex has not previously suspended or removed your account for violation of these Terms or applicable law. If your prior account was terminated by Finvex, you are not allowed to create a new one without our express permission.

By using our Services, you represent and warrant that you meet all the above eligibility requirements. We may ask you for information or documentation to verify your eligibility and can suspend or terminate your account if you do not meet these criteria.

3.2 Account Registration and Verification

To use Finvex Services, you must create a Finvex Account by providing accurate information, including your name, email, and setting a secure password. You agree to provide truthful, current, and complete information during registration and keep it updated. The registration process also involves compliance with our KYC/CDD Procedures:

• Identity Verification: You must complete our identity verification process. This may require you to provide personal data (as detailed in the Privacy Policy) and documentation (e.g., ID, passport, proof of address, selfie) as per our AML & KYC Policy. We use this information to verify your identity, protect against fraud, and comply with legal requirements.
• Additional Checks: Finvex may, at its discretion, perform background checks or request additional information about you (such as source of funds or wealth) especially for higher transaction volumes or if your activity triggers certain risk flags.
• Approval: Your account will be fully functional only after we have successfully verified your information and you have passed our compliance checks. Until then, certain features (like trading or withdrawals) may remain limited.

You authorize Finvex to directly or through third parties make any inquiries we consider necessary to verify your identity and protect against fraud or financial crime. This may include querying identity information contained in public reports (e.g., credit bureau, sanctions lists).

3.3 Account Usage

Each individual or entity is generally limited to one Account, unless expressly permitted otherwise by Finvex. Multiple Accounts Policy: Creating multiple accounts for illegitimate purposes (such as bypassing limits or abusing promotions) is prohibited. If we detect multiple accounts for the same user without permission, we may suspend those accounts and require you to consolidate or close them.
If you are registering on behalf of a company or organization (Corporate Customer), you must use your corporate details, and the account will be in the name of that entity. All activities under a Corporate Customer account are deemed authorized by the entity, and the entity is fully responsible for the account’s use.
You agree that you will use your Finvex Account only for yourself or the entity you represent. You must not use it as an intermediary service for others, or otherwise resell, distribute, or allow others to access your account. You cannot act as an agent, trustee, or broker on behalf of another person (except when properly registered and disclosed as a regulated service, if applicable).

3.4 Account Security

You are responsible for maintaining the confidentiality of your Account login credentials (email, password, 2FA keys). Do not share your account access details with anyone. You also agree to secure your account by enabling two-factor authentication (2FA) via authenticator app or other methods we support.
Notify us immediately at support@finvex.co if you suspect any unauthorized use of your Account or any other breach of security. Finvex will not be liable for any loss or damage arising from someone else using your Account (with or without your permission). We may suspend or freeze your account if we suspect unauthorized or fraudulent activity, pending investigation.

4.1 Crypto-Fiat Exchange

Finvex provides a platform for exchanging between fiat currencies and virtual assets. This includes buying crypto with fiat, selling crypto for fiat, and direct crypto-to-crypto swaps (where supported). When you place an Order to buy or sell:

• Rates: We will show you a quoted price or exchange rate at the time of your transaction. For buy/sell Orders, once you initiate a transaction, the price may be temporarily locked for a short window (e.g., 15 minutes) to allow time for payment. If your payment is not completed within that window, the transaction may need to be recalculated at the current market rate. Finvex’s Pricing Policy (Section 12 below) further explains how prices and fees are determined.
• Order Confirmation: Each Order you submit is a request for Services. We may accept or reject the Order at our discretion. An Order is deemed confirmed (and a binding contract formed) when we provide you with a confirmation (on the Platform or via email) including transaction details like amounts and pricing.
• Payment Methods: Finvex might support various payment methods (bank transfer, credit card, etc.) for fiat transactions. You must follow the instructions for the chosen payment method. All payments should come from an account or card in your own name. Third-party payments are not accepted for compliance reasons.
• Timing: Fiat deposits/withdrawals are subject to banking hours and processing times. Crypto transactions depend on blockchain network conditions. We strive to process Orders promptly, but we do not guarantee any specific timeframe, and we may delay or cancel orders as needed for risk management or compliance checks.
• Custody: When you buy crypto, it may be deposited into a Finvex-provided wallet or delivered to an external wallet you designate. When you sell crypto, you must send the crypto to the address we specify. It is your responsibility to ensure you provide correct wallet addresses; blockchain transactions are irreversible.

4.2 Crypto Custody and Wallets

Finvex may offer custodial wallets or storage for virtual assets (“Finvex Wallet”). If you hold crypto on our Platform:

• Custodial Relationship: Finvex will hold your virtual assets in custody for your benefit. The ownership of the assets remains with you. Finvex will not loan, hypothecate, or use your assets except to execute your transactions or as required by law.
• Account Balance: Your Finvex Account will show the crypto assets held for you. We employ strong security measures (cold storage, multi-sig, etc.) to safeguard those assets, but please note the Risk Disclosure section regarding crypto risks.
• Withdrawals: You may withdraw assets to your own external wallet, subject to withdrawal procedures, network fees, and any limits (daily or per transaction) that we impose for security or legal compliance.
• No Interest: Finvex’s custody is not an interest-bearing or investment account. You will not earn any interest or rewards on assets held with us unless explicitly offered for certain products.
• Abandoned Accounts: If your account becomes inactive and we cannot reach you, we may be required by law to treat the assets as unclaimed property after a certain period. We will make efforts to contact you before this, per legal requirements.

4.3 Payment Gateway and Integration Services
For business clients or partners, Finvex offers APIs and integration tools to accept crypto payments, process on/off-ramp conversions, and access liquidity:

• If you use our API or white-label solutions, additional terms (like a service agreement or partner terms) might apply. Those will be provided to you separately.
• You must use our integration in accordance with our developer documentation and not attempt to circumvent our security or rate limits.
• We provide a non-exclusive, revocable license to use our integration tools solely to facilitate legitimate transactions via Finvex, and we may terminate or suspend your API access if we suspect abuse, security issues, or violation of these Terms.

4.4 Prohibited Activities

You agree to use Finvex Services only for lawful purposes and in accordance with these Terms. You will not engage in any of the following prohibited activities:

• Illegal Activity: Using our Services for any unlawful purpose, including but not limited to money laundering, terrorist financing, sanctions evasion, human trafficking, child exploitation, gambling (where illegal), or any other criminal activities.
• Fraud or Misrepresentation: Impersonating any person or entity, or falsely stating or misrepresenting yourself (e.g., using someone else’s identity or banking information). You must not disguise your IP address or location to circumvent geographic restrictions.
• Violations of Others’ Rights: You will not violate or infringe upon the intellectual property, privacy, or any other rights of Finvex or third parties. This includes not uploading or transmitting content that you do not have the right to transmit.
• Service Integrity: Interfering with, disrupting, or attacking the normal operation of our Services or any related hardware/software. You must not introduce viruses, malware, or any harmful material. Also, automated use of the system (such as bots or scrapers) not authorized by Finvex is forbidden.
• Circumvention: You will not attempt to bypass any security measures, account limits, or controls around the Services. For example, you cannot create multiple accounts to evade per-account limits, nor use our Services to operate an unlicensed money services business.
• Unlawful Assets: Finvex may refuse to process, or may freeze, any transaction involving coins/tokens that are associated with illegal activities (e.g., stolen funds, dark market proceeds) or subject to sanctions. We may utilize blockchain analytics to assist in this compliance screening.

Engaging in any prohibited activity is a material breach of these Terms and may result in immediate suspension or termination of your account, reporting to authorities, and potential legal action.

5.1 Placing Orders

When you submit an Order on Finvex (to buy, sell, swap, etc.), you authorize Finvex to execute the transaction on your behalf. The details (asset, amount, price, fees) will typically be displayed for your confirmation. It is your responsibility to review the Order details carefully before confirming.
All Orders are final once executed. Blockchain transactions are irreversible, so if you make an error (e.g., wrong address or sending wrong asset), Finvex may not be able to assist. We do not guarantee that any Order will be filled, as Orders may be declined for various reasons (e.g., price change beyond allowed slippage, insufficient funds, compliance flags).

5.2 Pricing and Exchange Rates

Cryptocurrency prices are volatile. Finvex obtains pricing data from various liquidity providers and exchanges. Exchange rates quoted on our Platform represent the rate at that moment and are inclusive of our fees or markup as outlined in our Pricing Policy.

• For fiat-to-crypto or crypto-to-fiat trades, Finvex may lock the price for a short period after you initiate an Order. If the payment is delayed, the final rate may adjust dynamically to market conditions at the time of completion.
• For crypto-to-crypto swaps, the rate might be dynamic; the amount of output asset could be determined at execution based on market rates, unless we explicitly offer a fixed quote window.

We strive to provide competitive pricing, but do not guarantee that the rate you receive is the most favorable in the market at that moment. Market conditions and liquidity can affect the rates.

5.3 Fees and Charges

Using Finvex Services may incur fees, which will be disclosed to you prior to executing a transaction or otherwise clearly indicated. Types of fees may include:

• Transaction Fees: A fee for each buy/sell/swap transaction, which may be a percentage of the transaction or a flat fee, depending on the currency and payment method.
• Spread or Markup: The difference between the price at which we acquire assets and the price offered to you. This is often how we earn revenue on trades, especially for instant conversion services.
• Withdrawal/Deposit Fees: Fees for withdrawing crypto to an external wallet (to cover blockchain network fees) or for depositing/withdrawing fiat via certain methods (e.g., bank transfer fees, card processing fees).
• Service Fees: If applicable, fees for specific services like custody beyond a certain limit, account maintenance (generally, Finvex does not charge account maintenance fees, but this is reserved if needed for dormant accounts or others).
• Third-Party Fees: You are responsible for any fees charged by your bank, card issuer, or other third parties in connection with your use of our Services (e.g., currency conversion fees by your bank, international wire fees, or cash advance fees on credit cards).

A breakdown of Finvex’s fees is provided in our Pricing Policy and/or fee schedule on the website. All fees are charged in the indicated currency or asset, and you agree that Finvex may deduct fees from your account balances or include them in the transaction amount as applicable.

5.4 Taxes

It is your responsibility to determine what taxes, if any, apply to your cryptocurrency transactions. Finvex is not responsible for withholding, collecting, reporting, or remitting any taxes arising from your use of the Services. However, if required by law, we may provide certain transaction reports or disclosures to tax authorities.

• We encourage you to keep records and consult with a tax professional regarding the proper tax treatment of your crypto activities.

Finvex is committed to preventing money laundering, terrorist financing, and other financial crimes. As such:

• Identity Verification: We described the KYC process in Section 3.2. You agree to comply promptly with any requests for information, documents, or clarification in connection with our due diligence. We may suspend your account or limit Services until verification is complete.
• Ongoing Monitoring: Even after initial verification, Finvex may require you to provide additional KYC information at later points (for example, upon reaching certain volume thresholds or if your activity appears suspicious). We may also monitor transactions and account activity in real-time or periodic reviews. If something raises concern, we might request source of funds documentation or other proofs to ensure legitimacy.
• Transaction Review: Finvex reserves the right to review, delay, freeze, or cancel any transaction that is flagged by our monitoring systems. This could be due to suspicious patterns, involvement of high-risk regions, blockchain taint analysis, or large amounts that warrant scrutiny.
• No Notification Obligation: If we suspect that an account or transaction is involved in illegal activity, Finvex may be restricted by law from informing the user until certain actions are taken (such as filing a report to authorities). According to applicable law, we might not provide notice to you if such notice is prohibited (e.g., tipping off is illegal under AML laws).
• Account Freezing: In accordance with the Polish AML Act and other laws, Finvex may freeze funds or account access if we reasonably suspect that the account is being used for illicit purposes or if directed by law enforcement or regulators.
• Prohibited Businesses: Finvex may refuse service to users involved in certain high-risk industries or activities even if legal, due to compliance or risk appetite. For example, as a policy, we might prohibit use of our Services for gambling businesses, adult content sales, unlicensed money services, etc., similar to the industries listed by Paybis. A non-exhaustive list of prohibited business categories is provided in our AML & KYC Policy.
• By using Finvex, you acknowledge that we might take steps to comply with our legal obligations, and those steps could include blocking or terminating your access to Services with or without prior notice, as required by law. Finvex will not be liable for any losses or inconvenience caused by our compliance measures.

7.1 Ownership of Finvex IP

All content and materials on the Finvex Site or provided through the Services – such as the Finvex logo, brand elements, design, software, algorithms, text, graphics, images, and any Finvex-created content – are the intellectual property of Finvex or its licensors. They are protected by copyright, trademark, trade secret, and other intellectual property laws.

• Finvex Marks: “Finvex” and our logos are trademarks or service marks of Finvex. You may not use them without our prior written consent, except as allowed by our Brand Guidelines (if published) or applicable law.

7.2 User License

Finvex grants you a limited, non-exclusive, non-transferable, revocable license to access and use our Platform and Services for your personal or internal business use under these Terms. This license is provided solely for the purpose of enabling you to use Finvex in the manner permitted by the Terms.
You agree not to copy, reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any part of our Site or Services without our prior written consent, except as expressly allowed by us or by law. Reverse engineering or decompiling any portion of our Services (except to the extent allowed by law) is prohibited.

7.3 User Content

If you provide any content or feedback to Finvex (for example, feedback on new features, or if there are any sections where users can post content like a forum or comments), you grant Finvex a worldwide, non-exclusive, royalty-free license to use, display, reproduce, and distribute such content for the purpose of providing and improving Services. Do not share or upload content that you do not have the right to share.
We reserve the right to remove any user-provided content from our Site that violates these Terms or is deemed unlawful, offensive, or inappropriate, at our discretion.

7.4 Third-Party Resources

Our Platform may integrate or provide access to third-party information, such as cryptocurrency market data, news, or wallet services. Finvex does not own that third-party content and it is provided to you as is for convenience. Your use of third-party resources may be subject to the terms provided by those parties. Finvex is not responsible for the accuracy or reliability of third-party content.

8.1 Cryptocurrency Risks

By using Finvex, you acknowledge and accept the following inherent risks associated with cryptocurrencies and our Services:

• Market Volatility: Cryptocurrency markets are extremely volatile. Prices can fluctuate rapidly and dramatically, and past performance is not indicative of future results. The value of your assets may rise or fall unpredictably, and you could incur significant losses.
• No Investment Advice: Finvex is not an investment advisor. Any information provided by Finvex (such as market trends, prices, or news) is for informational purposes only and should not be construed as financial or investment advice. You should make investment decisions based on your own research or consult a licensed financial advisor.
• Technology and Security Risks: Using digital asset services involves risks of hardware, software, and Internet connectivity issues. You understand that blockchain transactions are not reversible and crypto wallets can be vulnerable if not properly secured. While Finvex implements security best practices, there is always risk of hacking, cyber-attacks, or operational errors.
• Regulatory Uncertainty: The legal status of some cryptocurrencies may be uncertain. It’s possible that regulatory actions could negatively impact the use, transfer, or convertibility of certain crypto assets. For example, regulators might restrict trading of a particular token or treat it as a security.
• Financial Loss: You may lose value in the assets you hold due to market movements or if you forget your own login credentials or 2FA. Finvex shall not be responsible for losses resulting from your personal errors (e.g., sending crypto to a wrong address not controlled by Finvex or losing access to your 2FA device).
• Counterparty Risk: When you hold funds with Finvex (custodial wallets or fiat balances), you are trusting us as a custodian. In the unlikely event of Finvex’s insolvency or security breach, you might face delays or potential losses in recovering assets. We want to be transparent that holding assets on any online platform involves some level of risk versus holding them in a personal wallet under your control.

8.2 Service Disclaimers

Finvex provides its Services on an “as is” and “as available” basis, without any express or implied warranties:

• We do not guarantee that the Services will be uninterrupted, timely, secure, or error-free. There may be occasions where the Site is down for maintenance or issues beyond our control (network failures, etc.).
• We do not warrant the accuracy, completeness, or reliability of any information or content provided through the Services (including price data or third-party content).
• To the maximum extent permitted by law, we disclaim any implied warranties of title, merchantability, fitness for a particular purpose, and non-infringement. Finvex does not guarantee any outcome or profit from using the Services.
• While we strive to comply with all applicable laws, Finvex makes no representation that its Services are appropriate or available in any particular jurisdiction. Users are responsible for knowing and complying with local laws.

8.3 Limitation of Liability

Finvex’s liability is limited as set forth below:

• No Indirect Damages: To the maximum extent permitted by applicable law, Finvex and its affiliates, and their respective directors, officers, employees, or agents, will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or use, arising out of your access to or use of (or inability to use) the Services. This applies even if we have been advised of the possibility of such damages.
• Cap on Liability: To the maximum extent permitted by law, Finvex’s total liability to you for all claims in aggregate (for any cause whatsoever, whether in contract, tort, strict liability, or otherwise) will not exceed the amount of fees actually received by Finvex from you in the six (6) months preceding the event giving rise to the claim.
• Exceptions: Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities by service providers. If those laws apply to you, some of the exclusions or limitations above may not apply, and you may have additional rights. In such cases, Finvex’s liability will be limited to the fullest extent permitted by applicable law.
• Actions of Third Parties: Finvex is not liable for any losses resulting from actions or inactions of third parties, such as banks delaying transfers, blockchain issues, or unauthorized access that is not due to Finvex’s failure (for instance, if you fail to secure your own login, we are not responsible for that unauthorized access). Likewise, if you receive advice or services from an external entity (even if you learned about them through Finvex), we are not responsible for those third-party services.

8.4 Indemnification

You agree to indemnify and hold harmless Finvex, its affiliates, and their respective officers, directors, employees, agents, and representatives from and against any claims, actions, proceedings, investigations, demands, liabilities, fines, penalties, costs, or expenses (including attorneys’ fees) arising out of or related to:

• Your breach of these Terms or any other agreement with Finvex;
• Your violation of any law, regulation, or rights of any third party (including intellectual property rights or privacy rights);
• Any fraud, negligence, or willful misconduct by you; or
• Your use or misuse of the Services.
• We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (at your expense), in which event you will cooperate with us in asserting any available defenses.

9.1 User Termination

You may terminate this Agreement at any time by closing your Finvex Account. To do so, follow the account closure instructions on the Platform or contact support. Account closure is subject to:

• Settling any pending transactions. You cannot close an account if there are ongoing transactions or disputes.
• Withdrawing any remaining balances. If you have crypto in your Finvex Wallet or fiat in your account, you should withdraw those funds before closing. If assistance is needed to recover remaining assets after closure, contact us.
• Our record-keeping. We will retain certain information as required by law (see Privacy Policy’s data retention section). Closing your account does not mean all data is erased immediately, due to legal obligations.

9.2 Finvex Suspension or Termination

Finvex may, at its discretion and without liability to you, suspend or terminate your account or restrict your access to Services (such as by placing holds on funds, or limiting functionality) at any time, with or without prior notice, if:

• We suspect you have breached these Terms, violated any applicable law or regulation, or engaged in any fraudulent, dishonest, or improper activity.
• Required by a valid subpoena, court order, or binding order of a government authority; or we believe in good faith that your account has been or may be involved in criminal activity.
• Your account is subject to litigation, investigation, or proceedings that pose risk to any party.
• You take any action that Finvex deems as circumventing Finvex’s controls, including opening multiple accounts without authorization or abusing promotions.
• We encounter unexpected technical or security issues and need to suspend accounts to investigate.
• For Dormant Accounts: If your account has been inactive for a long period (e.g., 1 year) and has negligible balance, we may suspend it to prevent unauthorized use. We will attempt to contact you before closure for dormancy.

In most cases, where lawful and feasible, Finvex will make reasonable efforts to notify you of actions we take, but our priority will be to comply with law and protect the platform.

9.3 Effect of Termination

Upon termination of your Account:

• The Agreement between you and Finvex is considered terminated, except that all provisions that by their nature should survive termination (such as limitation of liability, indemnification, dispute resolution, and governing law) will survive.
• You remain responsible for any fees incurred or liabilities that arose before termination.
• We may cancel or revoke any pending transactions at the time of termination without responsibility for losses that result.
• Finvex will return any remaining funds in your account to you, minus any applicable fees, except as prohibited by law or as otherwise provided (e.g., illegal funds may be subject to seizure). If you cannot be reached or fail to withdraw assets, we may handle those assets in accordance with applicable laws regarding unclaimed property.

Termination of your access or account by either party will not affect any rights or obligations which have accrued prior to termination.

9.4 Remedies for Breach

If you breach these Terms or if your account is involved in a violation, Finvex may take one or more of the following actions (in addition to suspension/termination):

• Report to Authorities: We may report any suspected unlawful activity to the appropriate authorities and provide them with relevant information, as required or permitted by law.
• Civil Actions: We may pursue civil remedies (claims for damages, injunctive relief) against you for losses or harm caused by your violation.
• Recovery of Costs: If your violation causes Finvex to incur legal or other costs (like fines, penalties, or reasonable attorneys’ fees to enforce our rights), we may seek to recover those costs from you.
• Freezing/Forfeiture: In coordination with legal authorities, any assets involved in illicit activity may be frozen or forfeited in accordance with law. Finvex will comply with court orders or regulatory directives regarding asset seizures or account holds.
• You acknowledge that Finvex’s decision to take certain actions, including terminating your account or reclaiming funds, may be based on confidential criteria essential to our risk management and security protocols. We are under no obligation to disclose the details of these risk management and security procedures to you.

10.1 Complaints Process

We are committed to addressing user concerns. If you have a complaint about Finvex’s Services, please contact our support team at support@finvex.co. Provide as much detail as possible about your issue (transaction IDs, dates, description of the problem).
We will acknowledge receipt of your complaint promptly (generally within 1-2 business days) and will strive to resolve the issue as soon as practicable. Some issues might require investigation (especially those involving blockchain transactions or third-party providers), so resolution could take several days or weeks. We will keep you informed of the progress.
If the complaint is not resolved through support, you may request that it be escalated to our compliance or management team for further review. We will provide a final response or a clear path forward.

10.2 Governing Law

These Terms and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them or their subject matter, shall be governed by and construed in accordance with the laws of Poland, without regard to its conflict of law principles.

10.3 Jurisdiction

Any disputes arising under these Terms that cannot be resolved through our internal complaints process shall be resolved in the courts of Poland, with jurisdiction in the courts of Warsaw. Both you and Finvex agree to submit to the personal and exclusive jurisdiction of the Warsaw courts for resolving any such disputes, subject to any applicable mandatory consumer protection laws that might give you the right to bring actions in your home country.

10.4 Class Action Waiver

Where permitted under the applicable law, you and Finvex agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. Further, where permitted, unless both you and Finvex agree otherwise, the court (or arbitrator) may not consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.

10.5 Time Limitation

Any claim or cause of action arising out of or related to use of the Services or these Terms must be filed within one (1) year after such claim or cause of action arose, otherwise it is forever barred.

11.1 Entire Agreement

These Terms (including policies linked or referenced, like the Privacy Policy, AML & KYC Policy, etc.) constitute the entire agreement between you and Finvex with respect to the subject matter and supersede any prior agreements, communications, and proposals (whether oral or written) relating to the Services.

11.2 Changes to Terms

Finvex may amend or update these Terms from time to time. If we make material changes, we will notify you via email or through the Service (e.g., a prominent notice on our website) at least 15 days prior to the changes taking effect, unless a shorter period is required to comply with law or to address urgent situations. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the amended Terms, you must stop using the Services and may close your account as per Section 9.1.

11.3 No Waiver

Our failure or delay in exercising any right, power, or privilege under these Terms shall not operate as a waiver thereof. The single or partial exercise of any right, power, or privilege shall not preclude any other or further exercise of that or any other right, power, or privilege.

11.4 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such provision shall be enforced to the maximum extent permissible, and the remaining provisions of these Terms shall continue in full force and effect. The invalid/unenforceable provision will be deemed modified to the limited extent required to permit its enforcement (or if that is not possible, severed from these Terms).

11.5 Assignment

You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. Finvex may assign or transfer any or all of its rights under these Terms, in whole or in part, without notice or obtaining your consent. For example, this could occur in the event of a merger, acquisition, or sale of assets, or by operation of law.

11.6 Third-Party Rights

Except as expressly provided in these Terms, no person or entity other than you and Finvex has any rights under these Terms. These Terms do not create any third-party beneficiary rights, except that Finvex’s affiliates, successors, and assigns are deemed third-party beneficiaries.

11.7 Force Majeure

Finvex shall not be liable for any delays, failure in performance, or interruption of Service which result directly or indirectly from any cause or condition beyond its reasonable control, including but not limited to: acts of God, acts of civil or military authorities, acts of terrorists, cyber-attacks, hacking attempts, war, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment or software, pandemic, or other occurrence beyond our reasonable control.

11.8 Contact Information

For any questions or concerns about these Terms, or to request any information or exercise any right hereunder, contact us at:

• Email: support@finvex.co
• Address: Finvex Sp. z o.o., UL. Hoża 86, m. 210, 00-682 Warsaw, Poland
• We appreciate your cooperation and look forward to providing you with secure and compliant crypto services.