TERMS OF SERVICE

1. Acceptance of These Terms

These Terms of Service (the “Terms”) govern access to and use of https://finenze.com (the “Site”), the Finenze application at https://finenze.app and on iOS and Android (the “App”), and the API at https://api.finenze.app (the “API”), each operated by Finenze LLC, a Wyoming limited liability company (“Finenze,” “we,” “us,” or “our”). The Site, App, and API are collectively referred to as the “Services.”

By accessing or using the Site, you acknowledge that you have read and agree to these Terms. By creating a profile, accessing or using the App or API, or otherwise affirmatively accepting these Terms, you agree to be bound by them. If you do not agree, do not use the Services.

Finenze may maintain records of your acceptance, including the date and time of acceptance and the version or URL of the Terms presented to you. Finenze may require you to affirmatively accept updated Terms before continuing to use some or all of the App or API.

2. About Finenze and the Services

Finenze operates the Site and App and provides software interfaces that coordinate access to payment and digital asset functionality through third-party financial and technology providers. Certain regulated or provider-dependent functions, including wallet, custody, payment, money transmission, conversion, settlement, banking, identity verification, and related services, may be performed by third parties rather than by Finenze.

Homepage and marketing visuals, including depictions of card processing, wires, handles, screening, and risk scores, are illustrative. Availability of any wallet, transfer, invoice, verification, asset, network, rail, jurisdiction, or other functionality remains subject to technical availability, provider support, onboarding, compliance review, and applicable law.

Nothing in the Site or App represents that Finenze holds a bank charter, money-transmitter license, custody license, digital-asset exchange license, or other regulatory authorization held by a third-party provider.

3. Marketing Pages

Marketing pages do not themselves open a wallet, perform KYC or KYB, hold balances, or initiate money movement. Accounts, onboarding, and transaction functionality, if available, are provided through the App and applicable third-party providers. A Site contact form or other marketing communication does not create a customer, merchant, bank, custodial, fiduciary, money-transmission, payment-processing, advisory, or other financial-services relationship.

4. Separate Agreements and Third-Party Providers

Finenze integrates with third-party technology and orchestration providers and may, through those integrations or otherwise, make functionality available from banks, money transmitters, custodians, wallet providers, payment processors, digital asset service providers, identity-verification providers, compliance vendors, and other third parties (collectively, “Providers”). Additional terms governing Provider-supported financial functionality are addressed in Section 27 and the applicable Provider Terms. The collection, use, and disclosure of personal information are described in the Privacy Policy.

Before using a Provider-supported service, you may be required to review and accept separate Provider terms, privacy notices, disclosures, pricing, eligibility requirements, and other agreements (“Provider Terms”). Acceptance of these Finenze Terms does not constitute acceptance of Provider Terms. Provider Terms govern the applicable Provider service and may include geographic limitations, operating rules, fees, holds, reserves, transaction limits, and suspension or termination rights.

Regulated functions may be performed by appropriately authorized Providers. Finenze does not represent any Provider license or regulatory authorization as its own. If these Terms conflict with a signed Finenze agreement governing a Platform Service, that signed Finenze agreement controls as to the applicable Finenze service. Provider Terms remain separately applicable to the Provider service.

5. Eligibility and Authority

The Services are intended for users who are at least 18 years old and legally capable of entering into a binding agreement. By creating an account or profile, you represent and warrant that you are at least 18 years old and are not prohibited by applicable law from using the Services.

If you use the Services on behalf of a company or other organization, you represent that you are authorized to act for that organization and to bind it to these Terms. Availability may differ for individual and business profiles and by jurisdiction.

6. Contact Forms and Electronic Communications

Where the Site offers a contact form, by submitting the form you authorize Finenze and its service providers to process the submission and contact you regarding your inquiry. Submission does not guarantee a response, onboarding, approval, or access to any product or service.

You are responsible for ensuring that information you submit is accurate, current, and lawful. You may not submit information concerning another person unless you are authorized to do so.

By creating an account or using the App, you consent to receive agreements, disclosures, transaction notices, security alerts, account communications, and other legally permitted communications electronically through the App, the email address associated with your account, or other electronic means. You must keep your contact information current and maintain hardware and software reasonably capable of accessing and retaining electronic records. Standard message and data rates may apply to SMS authentication or security messages.

7. Do Not Submit Confidential or Sensitive Information Through General Support Channels

The public contact form and general Help or Support channels are not intended for passwords, private keys, seed phrases, government identification numbers, tax identification numbers, bank account credentials, payment-card information, medical information, or other highly sensitive information. Submit KYC, KYB, financial, or identity information only through the specific secure workflow designated for that purpose.

Information submitted through the public Site does not create a confidentiality obligation except to the extent required by applicable law or expressly provided in a separate written confidentiality agreement. Our handling of personal information is described in the Privacy Policy.

8. Onboarding, Compliance, and Business Acceptance

Finenze and applicable Providers may require identity or business verification, KYC or KYB review, beneficial-ownership and control-person information, sanctions and politically exposed person screening, adverse-media review, fraud screening, source-of-funds information, expected activity, invoices, transaction documentation, wallet information, and other due diligence.

Finenze or a Provider may decline, delay, condition, limit, suspend, or terminate onboarding, access, a transaction, or a business relationship for legal, regulatory, compliance, underwriting, fraud-prevention, security, operational, reputational, or business reasons. No Site or App statement limits those rights.

9. Prohibited Uses

You may not use or attempt to use the Site, App, API, or any Platform Service to:

• •violate any law, regulation, sanctions restriction, export control, court order, or contractual obligation;
• •provide false, misleading, fraudulent, inaccurate, or incomplete information;
• •impersonate another person or entity, misrepresent your authority, conceal the true purpose or beneficiary of an activity, or evade identity, ownership, source-of-funds, transaction-monitoring, or other compliance controls;
• •engage in fraud, money laundering, terrorist financing, sanctions evasion, theft, ransomware, unlawful gambling, trafficking, market manipulation, or other illegal activity;
• •conduct nested, pass-through, third-party, or other financial activity that Finenze or the applicable Provider has not approved;
• •circumvent transaction limits, holds, restrictions, geographic controls, multi-factor authentication, or Provider requirements;
• •interfere with, disrupt, overload, scan, probe, scrape, crawl, reverse engineer, or attempt to gain unauthorized access to the Services or connected systems;
• •introduce malware, malicious code, automated requests, or other technology that may damage or compromise the Services; or
• •infringe intellectual property, privacy, publicity, confidentiality, or other rights of Finenze or any third party.

10. No Offer; Information May Change

Public marketing content is general information only. It is not a commitment or guarantee to provide any financial product or service, enter into any transaction, accept any customer or merchant, support any asset or jurisdiction, or provide any particular price, rate, settlement time, service level, or commercial term.

Finenze may change, correct, remove, or update public content at any time. Product availability and transaction-specific terms are determined by the App, applicable quotes, signed agreements, Provider Terms, and applicable law.

11. Digital Asset and Payment Risks

Digital assets, stablecoins, blockchain networks, payment rails, virtual accounts, wallet systems, custodians, banks, and conversion providers involve significant legal, operational, market, technology, counterparty, cybersecurity, and compliance risks. Depending on the service and Provider, transactions may be irreversible, delayed, rejected, recalled, frozen, restricted, re-routed, or unavailable. Fees, gas costs, spreads, exchange rates, liquidity, settlement timing, and supported assets may change.

Digital assets and stablecoins may experience volatility, loss of value, depegging, issuer or reserve risk, smart-contract vulnerabilities, network congestion, forks, cybersecurity incidents, sanctions restrictions, or changes in law. Digital assets are not deposits of Finenze and are not insured by Finenze. Any deposit insurance or other protection that may apply to a fiat account or balance depends on the applicable Provider, program structure, eligibility requirements, and Provider Terms.

Identity verification, liveness checks, transaction documentation, wallet-based controls, and monitoring may reduce certain risks but do not eliminate fraud, disputes, chargebacks, reversals, returns, recalls, bank holds, compliance reviews, law-enforcement action, or loss.

Unless a separate signed agreement expressly states otherwise, Finenze does not guarantee availability, uninterrupted operation, execution quality, best pricing, exchange rates, transaction completion, settlement timing, account availability, Provider approval, recovery of digital assets, or any particular regulatory treatment.

12. No Professional Advice

The Services do not provide legal, tax, accounting, investment, securities, commodities, banking, compliance, regulatory, or other professional advice. You should consult qualified independent advisors before making decisions involving payments, digital assets, business structure, tax, compliance, or regulated activity.

13. Third-Party Services and Links

The Services may depend on or link to third-party hosting, identity, form-processing, email, financial, banking, payment, custody, wallet, technology, app-store, or other services. Third parties operate under their own terms, privacy notices, security practices, and service limitations. Finenze does not control and is not responsible for third-party websites, services, content, availability, conduct, or security, except to the extent responsibility cannot be excluded under applicable law or is expressly accepted in a signed agreement.

14. Intellectual Property and App License

The Site, App, API, and their text, design, graphics, logos, names, interfaces, code, arrangement, and other content are owned by Finenze or its licensors and are protected by intellectual-property and other laws. All rights not expressly granted are reserved.

Subject to these Terms, Finenze grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for lawful purposes and, for the mobile App, to install and use the App on compatible devices that you own or control, subject to applicable app-store usage rules.

You may not reproduce, modify, distribute, sell, license, create derivative works from, publicly display, frame, mirror, reverse engineer, or commercially exploit the Services or their content without Finenze’s prior written permission, except to the extent such restriction is prohibited by applicable law.

15. Feedback

If you voluntarily provide ideas, suggestions, feature requests, or other feedback, you grant Finenze a perpetual, irrevocable, worldwide, royalty-free right to use and incorporate that feedback without restriction or compensation. Finenze will not publicly identify you as the source without permission unless required by law.

16. Privacy and Security

The Privacy Policy describes how Finenze collects, uses, discloses, and protects personal information associated with the Services and is incorporated into these Terms by reference. Applicable Providers may have separate privacy notices governing their processing.

Finenze and its service providers use measures designed to protect the Services and information submitted through them. No website, application, transmission, storage system, or security control is completely secure. You are responsible for using secure devices, networks, credentials, and communication channels.

17. Service Availability and Changes

Finenze may modify, suspend, restrict, or discontinue any part of the Services at any time, subject to applicable law and any separate signed agreement. Finenze has no obligation to provide a particular uptime, maintenance window, support level, or service-level commitment unless expressly stated in a separate signed agreement.

18. Disclaimers

THE SERVICES AND FINENZE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINENZE DISCLAIMS ALL EXPRESS, IMPLIED, STATUTORY, AND OTHER WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, SECURITY, RELIABILITY, AVAILABILITY, AND ERROR-FREE OR UNINTERRUPTED OPERATION.

FINENZE DOES NOT WARRANT OR GUARANTEE THE PERFORMANCE, SOLVENCY, AVAILABILITY, SECURITY, REGULATORY STATUS, OR CONDUCT OF ANY THIRD-PARTY PROVIDER, EXCEPT TO THE EXTENT FINENZE EXPRESSLY ACCEPTS A RESPONSIBILITY IN A SIGNED AGREEMENT OR SUCH RESPONSIBILITY CANNOT BE EXCLUDED BY LAW.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINENZE AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, DIGITAL ASSETS, OR USE, ARISING FROM OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF FINENZE AND THE FOREGOING PERSONS ARISING FROM OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT YOU PAID DIRECTLY TO FINENZE FOR THE SERVICES DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limitations do not apply to liability that cannot be limited or excluded under applicable law. Provider Terms and separate signed agreements may contain different risk allocations for Provider services or other Platform Services.

20. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Finenze and its members, managers, officers, employees, contractors, and affiliates from claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising from your unlawful or unauthorized use of the Services, your violation of these Terms or applicable Provider Terms, information or content you submit, invoices or payment requests you create, or your infringement of another person’s rights. Finenze may control the defense and settlement of any matter subject to indemnification, and you agree to cooperate reasonably.

21. Governing Law and Forum

These Terms and any dispute arising from the Services are governed by the laws of the State of New York, without regard to conflict-of-law rules. Subject to any mandatory law, the state courts located in Nassau County, New York, and the United States District Court for the Eastern District of New York will have exclusive jurisdiction. You consent to personal jurisdiction and venue in those courts.

22. Changes to These Terms

Finenze may update these Terms by posting a revised version and changing the “Last Updated” date. Changes apply prospectively when posted unless a later date is stated.

For material changes affecting the App, API, financial functionality, dispute terms, or other material rights or obligations, Finenze may provide additional notice and may require affirmative acceptance before continued use. If affirmative acceptance is required and you do not accept the updated Terms, Finenze may restrict or terminate access to the affected Services, subject to applicable law and Provider Terms.

23. General Terms

These Terms and the Privacy Policy constitute the agreement between you and Finenze concerning the Services, except for any separate written Finenze agreement. Provider Terms separately govern Provider services. If a provision is held invalid or unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will continue in effect. Failure to enforce a provision is not a waiver. You may not assign your rights under these Terms without Finenze’s written consent. Finenze may assign these Terms in connection with a merger, reorganization, financing, sale of assets, or similar transaction.

24. Contact Information

25. The Finenze App and API

Sections 1 through 24 apply to the App and API in addition to the Site. Sections 25 through 31 contain additional terms for the App and API. If an App-specific provision conflicts with a general provision regarding the App, the App-specific provision controls for that issue.

The App is an identity-gated product. Subject to Provider approval and applicable law, functionality may include provider-supported wallets, transfers, bank deposits and payouts, invoices, identity or business verification, and other features displayed in the App. Marketing visuals do not establish that a particular feature, asset, network, rail, jurisdiction, or service is available.

26. App Accounts and Authentication

You are responsible for maintaining the confidentiality and security of your credentials, devices, multi-factor authentication methods, and recovery information. You must promptly notify Finenze of suspected unauthorized access and must not permit another person to use your account except as expressly authorized.

Finenze may offer one or more authentication methods, including email, federated sign-in, authenticator applications, and SMS. Availability may change. Standard carrier rates may apply to SMS messages.

Account creation or access to particular features may require affirmative acceptance of these Terms, the Privacy Policy, and applicable Provider Terms. Finenze may retain records of the version or URL accepted and the date and time of acceptance.

You may request or initiate account deletion through available in-App controls or Support. Suspension, closure, and deletion have different effects, and some records may be retained as described in the Privacy Policy, Provider Terms, or applicable law.

27. Money Movement, Wallets, and Provider-Supported Services

Payment Partner. We use HIFI to process financial transactions. By using our service, you also agree to HIFI’s Terms & Conditions and Privacy Policy. Through technology and orchestration integrations, the App may connect users to third-party banks, money transmitters, custodians, wallet providers, payment processors, digital-asset service providers, and other Providers (the “Payment Partner” or “Providers”). The particular Provider responsible for an underlying financial function may vary by service, asset, rail, and jurisdiction.

Provider Terms and system of record. Before opening or using a Provider-supported wallet, account, transfer, conversion, deposit, payout, or other financial service, you may be required to accept Provider Terms. The applicable Provider may maintain the account, wallet, transaction, or ledger record for the Provider service. Information displayed by Finenze may reflect data received through Provider APIs. If there is a discrepancy, the applicable Provider record may control to the extent provided in the Provider Terms and applicable law.

Provider-managed wallets. Wallets made available through the App may be custodial or otherwise provider-managed. The applicable wallet or custody Provider may manage private keys, signing infrastructure, recovery, and compliance controls. Finenze does not provide a private key or seed phrase for a provider-managed wallet unless expressly stated. Your rights to the wallet and digital assets are governed by these Terms, the applicable Provider Terms, and applicable law.

Eligibility and verification. Wallets, bank rails, conversion, and transfer functionality are available only after required Finenze and Provider onboarding, identity or business verification, compliance review, and approval. Availability may be restricted or withdrawn at any time as permitted by law and the applicable agreements.

Supported services. Supported assets, networks, bank rails, transfer methods, countries, currencies, transaction limits, and other functionality are those displayed in the App or applicable Provider interface at the time of the transaction and may change. You can convert between your own USDC and USDT balances when those balances are shown. You can pay a contact’s saved bank account from Send. A withdrawal to your own bank stays on Bank. A prior display or transaction does not guarantee future availability.

Quotes, fees, and timing. Before initiating a transaction, review the rate, net amount, fees, network charges, expiry, estimated timing, and other terms shown in the App, quote, or Provider interface. A quote may expire or cease to be available. Unless expressly stated, estimates are not guarantees.

Transaction instructions and finality. You are responsible for reviewing transaction instructions, wallet addresses, networks, bank details, beneficiaries, and amounts before authorizing a transaction. Blockchain transfers are generally irreversible after confirmation, and bank or payment transactions may also be subject to cutoffs, holds, recalls, returns, rejections, or Provider rules. A bank deposit returned after it completed, for example a sender recall, is pulled back from the wallet. Finenze does not guarantee cancellation, reversal, or recovery.

Commercial invoices. Invoices created through the App are commercial records between the issuer and the billed party or customer. Finenze is not a party to the underlying sale and does not verify the goods, services, invoice validity, tax treatment, collection rights, or commercial dispute. You are responsible for invoice content and authority to bill. Payment routing remains subject to the applicable Provider-supported account or wallet and Provider Terms.

28. App Prohibited Use

In addition to Section 9, you may not circumvent multi-factor authentication, share credentials in a manner that compromises account security, impersonate Finenze or a Provider, use an unauthorized third-party payer or beneficiary structure, or use the App to evade sanctions, fraud, transaction-monitoring, source-of-funds, geographic, or other compliance controls.

29. App Liability, Changes, and Termination

Sections 18 through 21 apply to the App and API. Provider services remain subject to applicable Provider Terms, including any separate warranties, limitations, dispute procedures, and remedies.

Finenze may modify, suspend, restrict, or discontinue the App or API, subject to applicable law and any separate signed agreement. You may close your Finenze account through available in-App controls or Support. Finenze may suspend or close an account as described in Sections 8 and 26. Account closure or deletion does not eliminate obligations, transaction records, compliance records, or retention requirements that survive under these Terms, Provider Terms, or applicable law.

30. Additional Terms for Apple App Store Users

If you download or use the App through Apple’s App Store, the following additional terms apply:

(a) These Terms are between you and Finenze, not Apple. Finenze, not Apple, is solely responsible for the App and its content.

(b) Your license to use the App is limited to a non-transferable license to use the App on Apple-branded products that you own or control, as permitted by the applicable Apple Media Services usage rules, including any permitted Family Sharing, volume purchasing, or similar use.

(c) Finenze is responsible for maintenance and support of the App as required by applicable law or these Terms. Apple has no obligation to furnish maintenance or support services.

(d) To the extent any warranty applies and the App fails to conform to that warranty, you may notify Apple, and Apple may refund the purchase price, if any, paid for the App. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.

(e) Finenze, not Apple, is responsible for addressing claims relating to the App or your possession or use of it, including product-liability claims, claims that the App fails to comply with applicable law, and consumer-protection claims.

(f) If a third party claims that the App or your possession or use of it infringes intellectual-property rights, Finenze, not Apple, is responsible for the investigation, defense, settlement, and discharge of that claim.

(g) You represent that you are not located in a country or region subject to a U.S. Government embargo or designated by the U.S. Government as supporting terrorism, and you are not listed on a U.S. Government list of prohibited or restricted parties.

(h) You must comply with applicable third-party terms when using the App.

(i) Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the App and, upon your acceptance, have the right to enforce these Terms against you as third-party beneficiaries.

31. App Contact and Support