Terms of Use

Creditcoin OÜ. Terms of Use

Last revised on: February 6, 2025

Please review these Terms of Use (“Terms” or “Creditcoin Website Terms”) carefully, as they set forth the legally binding terms and conditions that govern your use of our websites located at https://creditcoin.org/, and https://penguinswap.org/ (each a “Website”, and collectively, “Websites”), your access to and use of our mobile, tablet and other smart device applications, and application program interfaces (“API”) services (collectively, "Apps"), including related trademarks, software code, and other intellectual property, as well as software service for storing and transferring digital assets on various blockchain networks including self-custody externally owned accounts (“EOA”) and smart contract wallets (commonly known as Credit Wallet) (the “Credit Wallet” or the "Wallet"). By accessing or using the Websites, Wallet, or Apps, you represent that you are age 18 or older (or age 19 or older as required by certain, applicable jurisdictions). If you are between the ages of 13 and 17 or below the age of majority in your jurisdiction, you represent that your legal guardian has reviewed and agreed to these Terms.

The Websites are a copyrighted work belonging to Creditcoin OÜ (“Creditcoin,” “Company,” “us,” “our,” and “we”). Your submission of information, including personally identifiable information (“PII”), through or in connection with the Websites is governed by the terms of our privacy policy as updated from time to time, available at https://docs.creditcoin.org/legal/privacy-policy (“Privacy Policy”).

You consent to us collecting, accessing, using, processing, disclosing and retaining any PII you provide to us for the purpose of us providing the Services or the Wallet (defined below) to you. This consent is not related to, and does not affect, any rights or obligations we or you have in accordance with data protection laws, privacy laws, and regulations.

*** THESE TERMS SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS THAT GOVERN YOUR USE OF THE SERVICES AND THE WALLET. BY ACCESSING OR USING THE SERVICES OR THE WALLET, YOU ARE ACCEPTING THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT), AND YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT). IF YOU DO NOT AGREE WITH ALL OF THE PROVISIONS OF THESE TERMS, DO NOT ACCESS AND/OR USE THE SERVICES (AS DEFINED BELOW) OR THE WALLET.

THESE TERMS REQUIRE THE USE OF ARBITRATION (SECTION 9) ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS (SECTION 10) , AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.

***

Changes to Terms of Use. We may modify the Terms at any time at our sole discretion. If we do so, we’ll let you know either by posting the modified Terms on the Website, by providing you with a notice through the Wallet, or through other methods of communication which we deem reasonable. The modified Terms will be effective at the time they are posted on the Website. It’s important that you review the Terms whenever we modify them because if you continue to use the Services or the Wallet after we have modified the Terms, you agree to be bound by the modified Terms. If you don’t agree to be bound by the modified Terms, then you may not use the Services or the Wallet. Because our Services are evolving over time we may change or discontinue all or any part of the Wallet, or Services, at any time and without notice, at our sole discretion.

1. DESCRIPTION OF SERVICES.

  1. Interface. The Interface provides a web or mobile-based means of access to (a) a decentralized protocol on the Creditcoin blockchain that allows users to trade certain compatible digital assets (the "Protocol"). The Interface is distinct from the Protocol and is one, but not the exclusive, means of accessing the Protocol. The Protocol itself is open-source or source-available self-executing smart contracts that are deployed on the Creditcoin Blockchain. Creditcoin does not control or operate any version of the Protocol on any blockchain network . Creditcoin operates the Interface solely for the purposes of ensuring its functionality, reliability, and security. Creditcoin’s operations of the Interface do not provide it with any control over the Protocol, nor can it influence or control any of the trades conducted on the Protocol. By using the Interface, you understand that you are not buying or selling digital assets from us and that we do not operate any liquidity pools on the Protocol or control trade execution on the Protocol. However, to facilitate initial liquidity and Protocol stability, Creditcoin may provide liquidity to one specific pool. This provision of liquidity is solely for the purposes of starting the exchange and does not imply any control or influence over the Protocol or the trades conducted on it. When traders pay fees for trades, those fees accrue to liquidity providers for the Protocol. As a general matter, Creditcoin is not a liquidity provider into Protocol liquidity pools and liquidity providers are independent third parties. Deployments on other networks typically make use of cross-chain bridges, which allow assets native to one blockchain to be transferred to another blockchain. Please note that digital assets that have been "bridged" or "wrapped" to operate on other blockchain networks (including to blockchains compatible with the Ethereum Virtual Machine that are designed to ensure the Ethereum blockchain can effectively process more transactions or other blockchains that are frequently referred to as "Layer 2" solutions) are distinct from the original Creditcoin mainnet asset. To access the Interface, you must use a non-custodial wallet software, which allows you to interact with public blockchains. Your relationship with that non-custodial wallet provider is governed by the applicable terms of service (with respect to the Wallet, this Agreement, and with respect to a third party wallet, the applicable terms of service of such third party). We do not have custody or control over the contents of your wallet and have no ability to retrieve or transfer its contents. By connecting your wallet to our Interface, you agree to be bound by this Agreement and all of the terms incorporated herein by reference.

  2. Users. Users of the Websites ("Users") will be able to access and browse the Website including the Documentation ("Browsing Services"), and access Creditcoin's Apps. A User is not required to register an account to access the Browsing Services or the Wallet.

  3. Use of Services. No accounts are required for any apps on Creditcoin, and this policy is expected to continue. The Creditcoin app functions as a wallet with Create and Import wallet features. Users can access the Services without the need for registration. The "Services" refer to the Browsing Services, the Wallet, API services, and Swap Services, which are further defined in the sections below.

  4. Use of the Wallet. Creditcoin offers access to its Wallet which enables users to (i) store digital assets; (ii) access a digital asset browser and link to third party decentralized exchanges ("DEXs") and third party decentralized applications (together with DEXs, collectively "Dapp(s)"); (iii) view addresses and information that are part of digital asset networks and broadcast transactions; (iv) participate in retail DEX trades and associated DEX activity; (v) utilize the Credit Wallet for storing and managing digital assets; and (vi) additional functionality as Creditcoin may add to the Wallet from time to time; and educational resources ("Documentation") through its Websites.

  5. Swap Services. Creditcoin provides the following swap services:

    (a) wCTC <-> CTC Swap: A service enabling users to exchange CTC from the Creditcoin blockchain to wCTC on the Ethereum blockchain, and vice versa. (i) Users send tokens to a designated address provided by Creditcoin. (ii) Creditcoin sends the equivalent amount to the user's address on the respective network. (iii) Users are responsible for providing accurate addresses and covering network fees.(iv) Creditcoin may, at its sole discretion, implement and modify various terms and conditions for the swap service, including but not limited to minimum and maximum swap amounts, processing times, and other operational parameters. These terms are subject to change from time to time without prior notice. Users are encouraged to review the current terms before initiating a swap.

    (b) G-CRE -> CTC Swap: A one-way service exchanging G-CRE on Ethereum for CTC on Creditcoin at a 1:1 ratio. (i) The process may be automated or manual, subject to change without notice. (ii) Users must provide a valid CTC address for receiving swapped tokens. (iii) The service is subject to availability and may be suspended at Creditcoin's discretion. PenguinSwap provides the following swap services:

    (a) Decentralized token swapping: A service that enables users to swap from any 2 tokens provided there is a valid route. (i) Users are responsible for selecting valid tokens.

    (b) Liquidity providing: A service that allows adding liquidity to any pools already created or to create a pool provided the required tokens are held. Liquidity can be removed at any time. (i) Users take the risk of impermanent loss by providing liquidity.

    (c) Claim fees: A service that allows claiming accrued fees by providing liquidity. (i) The fees are claimed in the form of both tokens that are part of the pool. (ii) The fee may be claimed in CTC or WCTC if this is one of the tokens provided.

    For both swap services: (a) Blockchain transactions are irreversible; Creditcoin and PenguinSwap cannot recover funds sent to incorrect addresses.

    (b) (Creditcoin and PenguinSwap may require additional verification for large amounts or suspicious activities.

    (c) Users must comply with applicable laws and regulations.

    (d) Creditcoin and PenguinSwap reserves the right to refuse service at its sole discretion.

2. ACCESS TO THE SERVICES.

  1. License. Subject to these Terms, Creditcoin grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Services or the Wallet for your own personal and noncommercial use.

  2. Certain Restrictions. The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Websites, whether in whole or in part, or any content displayed on the Websites; (b) you shall not (directly or indirectly) modify, decipher, disassemble, reverse compile or reverse engineer or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Services or the Wallet; (c) you shall not access the Service or Wallet in order to build a similar or competitive website, product, or service; (d) translate, or otherwise create derivative works of any part of the Services or the Wallet; (e) rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder; (f) frame or mirror any part of the Service without Creditcoin’s express prior written consent; (g) create a database by systematically downloading and storing Website or API content; (h) use any robot, spider, search/retrieval application or other manual or automatic device to retrieve, harvest, index, “scrape,” “data mine” or in any way gather Website, Wallet, or API content or reproduce or circumvent the navigational structure or presentation of the Website without Creditcoin’s express prior written consent and (i) except as expressly stated herein, no part of the Website may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means. Unless otherwise indicated, any future release, update, or other addition to functionality of the Website or API shall be subject to these Terms, (j) engage in any activity that violates any applicable law, rule, or regulation concerning the trading of securities or derivatives, including, but not limited to, the unregistered offering of securities and the offering of leveraged and margined commodity products to retail customers in the United States; (k) engage in activity that violates any applicable law, rule, or regulation concerning the integrity of trading markets, including, but not limited to, the manipulative tactics commonly known as “rug pulls”, pumping and dumping, and wash trading; (l) buying, selling or transferring stolen, fraudulently obtained, illegally obtained, or unauthorized digital assets and crypto commodity; and (m) engage in any activity that violates any applicable law, rule, or regulation of the United States or another relevant jurisdiction, including, but not limited to, the restrictions and regulatory requirements imposed by U.S. law. All copyright and other proprietary notices on the Website or API (or on any content displayed on the Website or API) must be retained on all copies thereof.

  3. Who May Use the Wallet. You may use the Wallet if you are 18 years or older and are not barred from using the Wallet under applicable law.

  4. Modification. Creditcoin reserves the right, at any time, to modify, suspend, or discontinue the Services or the Wallet (in whole or in part) with or without notice to you. You agree that Creditcoin will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services or any part thereof. Creditcoin further reserves the right to modify the Wallet to incorporate Web3 functionalities, enhance user experience, or comply with emerging technological standards. Despite any such modifications, you, as the user, will retain full responsibility for the security and management of your own private keys associated with the Wallet.

  5. No Support or Maintenance. You acknowledge and agree that Creditcoin will have no obligation to provide you with any support or maintenance in connection with the Services or the Wallet.

  6. Ownership. You acknowledge that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Services or the Wallet and its content are owned by Creditcoin. Neither these Terms (nor your access to the Services or the Wallet) transfer to you or any third party any rights, title or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in these Terms. Creditcoin and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms. You own and control digital assets held in your Wallet. As the sole owner of digital assets in your Wallet, you shall bear all risk of loss of such digital assets. Creditcoin OÜ shall have no liability for digital asset fluctuations or loss associated with your use of the Wallet. At any time, subject to outages, downtime, and other applicable policies, you may withdraw your digital assets by sending it to a different blockchain address. You acknowledge that by engaging to use the Wallet you are at no time transferring your assets to Creditcoin OÜ or its affiliates.

  7. Fees. Blockchain transactions require the payment of transaction fees to the appropriate network. We may charge fees for some or part of the use of the Services or Wallet we make available to you. We reserve the right to change those fees at our discretion. We will disclose the amount of fees we will charge you for the applicable Services or Wallet function at the time that you access the Wallet function. You will be solely responsible for paying the fees for any transaction that you initiate via any of our Services. You may incur charges from third parties for use of linked services. For example, you may be charged fees via the Dapps and/or DEXs that you may access via use of the Wallet. Third party fees are not charged by Creditcoin OÜ and are not paid to Creditcoin OÜ.

  8. Acceptable Use Policy. The following terms constitute our “Acceptable Use Policy”:

    (a) You agree not to: (i) upload, transmit, or distribute to or through the Services or the Wallet any computer viruses, worms, or any software intended to damage or alter a computer system or data; (ii) use the Services or the Wallet to harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent; (iii) interfere with, disrupt, or create an undue burden on servers or networks connected to the Services or the Wallet, or violate the regulations, policies or procedures of such networks; (iv) attempt to gain unauthorized access to the Services or the Wallet (or to other computer systems or networks connected to or used together with the Services or the Wallet), whether through password mining or any other means; (v) harass or interfere with any other user’s use and enjoyment of the Services or the Wallet; or (vi) use software or automated agents or scripts to produce multiple accounts on the Websites, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data from) the Services or the Wallet (provided, however, that we conditionally grant to the operators of public search engines revocable permission to use spiders to copy materials from the Services or the Wallet for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials, subject to the parameters set forth in our robots.txt file).

  9. Wallet Restrictions. You may use the Wallet or Service only for lawful purposes and in accordance with these Terms. You must not use the Wallet in any way that violates any applicable federal, state, local, or international law or regulation. You must not use the Wallet or Services if you are on any U.S. sanctions lists or located in any country that is subject to U.S. government sanctions or has been designated by the U.S. government as a "terrorist supporting" country. You must not use the Wallet or Services to engage in any fraudulent, abusive, or illegal activity, or to interfere with the security or functionality of the Wallet or any blockchain network. You must not attempt to gain unauthorized access to the Wallet, Services or any Creditcoin systems or networks. You must not copy, modify, distribute, sell, or lease any part of the Wallet or its content, or reverse engineer or attempt to extract the source code of the Wallet, except as expressly permitted by applicable law or with our prior written consent. We reserve the right to take any action we deem necessary to protect the Wallet and our rights and interests, including suspending or terminating your access to the Wallet, without notice or liability to you. Creditcoin reserves the right to determine what conduct it considers to be in violation of these restrictions. Creditcoin reserves the right to take action as a result, which may include prohibiting you from accessing Services provided by Creditcoin in whole or in part. Any restrictions imposed by Creditcoin will not affect your ability to transfer your digital assets.

  10. Recovery Phrase and Passkeys. You are solely responsible for the retention and security of your Wallet credentials, your twelve-word recovery phrase for EOA wallets (“Recovery Phrase”) and your unique digital or hardware credentials (for example, iCloud and Google Passkeys, hardware authentication devices such as Yubikeys) that are tied to your smart contract wallets (“Passkeys”). Your Recovery Phrase and/or Passkeys are the only way to access the cryptocurrency associated with your account. Anyone that has access to your Recovery Phrase and/or Passkeys can access your cryptocurrency.

  11. Biometric Data. The Wallet allows you to use biometric data, such as your fingerprint or face recognition, to unlock the Wallet and authorize transactions. You acknowledge and agree that your biometric data is stored locally on your device and not by Creditcoin. You are solely responsible for the security and integrity of your biometric data and your device. You must not share your device or your biometric data with anyone or allow anyone to access the Wallet using your biometric data. You must notify us immediately if you suspect any unauthorized use of your biometric data or your device. We are not liable for any loss or damage resulting from your use of biometric data or your device.

  12. Enforcement. We reserve the right (but have no obligation) to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms or otherwise create liability for us or any other person. Such action may include terminating your access to the Services in accordance with Section 9, and/or reporting you to law enforcement authorities.

  13. Feedback. If you provide Creditcoin with any feedback or suggestions regarding the Services or the Wallet (“Feedback”), you hereby assign to Creditcoin all rights in such Feedback and agree that Creditcoin shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. Creditcoin will treat any Feedback you provide to Creditcoin as non-confidential and non-proprietary. You agree that you will not submit to Creditcoin any information or ideas that you consider to be confidential or proprietary.

3. INDEMNIFICATION.

You agree to indemnify and hold Creditcoin (and its officers, employees, and agents) harmless, including costs and attorneys’ fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Services or the Wallet, (b) your violation of these Terms, or (c) your violation of applicable laws or regulations. Creditcoin reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Creditcoin. Creditcoin will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.

4. THIRD-PARTY LINKS & ADS; OTHER USERS

  1. Third-Party Links & Ads. The Websites may contain links to third-party websites and services, and/or display advertisements for third parties (collectively, “Third-Party Links & Ads”). The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Creditcoin of any information, materials, products, or services contained in or accessible through any Third-Party Application. Such Third-Party Links & Ads are not under the control of Creditcoin, and Creditcoin is not responsible for any Third-Party Links & Ads. Creditcoin provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads. Neither Creditcoin nor its partners endorse any of the opportunities that appear on these Websites, nor does Creditcoin and/or its partners make any recommendations regarding the appropriateness of particular opportunities for any Users. Each User must review and evaluate the opportunities in such User’s own discretion and determine the suitability of entering into any transaction. You use all Third-Party Links & Ads at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Links & Ads.

  2. Release. You hereby release and forever discharge Creditcoin (and our officers, employees, agents, successors, and assigns) from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature (including personal injuries, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Services or the Wallet (including any or act or omission of any Third-Party Links & Ads). IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.”

5. ACCURACY OF INFORMATION.

We attempt to ensure that the information that we provide on these Websites are complete, accurate and current. Despite our efforts, the information on these Websites may occasionally be inaccurate, incomplete or out of date. We make no representation as to the completeness, accuracy or correctness of any information on these Websites.

6. DISCLAIMERS.

  1. Assumption of Risk – Generally BY ACCESSING AND USING ANY OF OUR SERVICES, YOU REPRESENT THAT YOU ARE FINANCIALLY AND TECHNICALLY SOPHISTICATED ENOUGH TO UNDERSTAND THE INHERENT RISKS ASSOCIATED WITH USING CRYPTOGRAPHIC AND BLOCKCHAIN-BASED SYSTEMS, AND THAT YOU HAVE A WORKING KNOWLEDGE OF THE USAGE AND INTRICACIES OF DIGITAL ASSETS SUCH AS ETHER (ETH), SO-CALLED STABLECOINS, AND OTHER DIGITAL TOKENS SUCH AS THOSE FOLLOWING THE ETHEREUM TOKEN STANDARD (ERC-20). IN PARTICULAR, YOU UNDERSTAND THAT THE MARKETS FOR THESE DIGITAL ASSETS ARE NASCENT AND HIGHLY VOLATILE DUE TO RISK FACTORS INCLUDING, BUT NOT LIMITED TO, ADOPTION, SPECULATION, TECHNOLOGY, SECURITY, AND REGULATION. YOU UNDERSTAND THAT ANYONE CAN CREATE A TOKEN, INCLUDING FAKE VERSIONS OF EXISTING TOKENS AND TOKENS THAT FALSELY CLAIM TO REPRESENT PROJECTS, AND ACKNOWLEDGE AND ACCEPT THE RISK THAT YOU MAY MISTAKENLY TRADE THOSE OR OTHER TOKENS. SO-CALLED STABLECOINS MAY NOT BE AS STABLE AS THEY PURPORT TO BE, MAY NOT BE FULLY OR ADEQUATELY COLLATERALIZED, AND MAY BE SUBJECT TO PANICS AND RUNS. FURTHER, YOU UNDERSTAND THAT SMART CONTRACT TRANSACTIONS AUTOMATICALLY EXECUTE AND SETTLE, AND THAT BLOCKCHAIN-BASED TRANSACTIONS ARE IRREVERSIBLE WHEN CONFIRMED. YOU ACKNOWLEDGE AND ACCEPT THAT THE COST AND SPEED OF TRANSACTING WITH CRYPTOGRAPHIC AND BLOCKCHAIN-BASED SYSTEMS SUCH AS ETHEREUM ARE VARIABLE AND MAY INCREASE DRAMATICALLY AT ANY TIME. YOU FURTHER ACKNOWLEDGE AND ACCEPT THE RISK OF SELECTING TO TRADE IN EXPERT MODES, WHICH CAN EXPOSE YOU TO POTENTIALLY SIGNIFICANT PRICE SLIPPAGE AND HIGHER COSTS. IF YOU ACT AS A LIQUIDITY PROVIDER TO THE PROTOCOL THROUGH THE INTERFACE, YOU UNDERSTAND THAT YOUR DIGITAL ASSETS MAY LOSE SOME OR ALL OF THEIR VALUE WHILE THEY ARE SUPPLIED TO THE PROTOCOL THROUGH THE INTERFACE DUE TO THE FLUCTUATION OF PRICES OF TOKENS IN A TRADING PAIR OR LIQUIDITY POOL. FINALLY, YOU UNDERSTAND THAT WE DO NOT CREATE, OWN, OR OPERATE CROSS-CHAIN BRIDGES AND WE DO NOT MAKE ANY REPRESENTATION OR WARRANTY ABOUT THE SAFETY OR SOUNDNESS OF ANY CROSS-CHAIN BRIDGE, INCLUDING ITS USE FOR GOVERNANCE.

    IN SUMMARY, YOU ACKNOWLEDGE THAT WE ARE NOT RESPONSIBLE FOR ANY OF THESE VARIABLES OR RISKS, DO NOT OWN OR CONTROL THE PROTOCOL, AND CANNOT BE HELD LIABLE FOR ANY RESULTING LOSSES THAT YOU EXPERIENCE WHILE ACCESSING OR USING ANY OF OUR PRODUCTS. ACCORDINGLY, YOU UNDERSTAND AND AGREE TO ASSUME FULL RESPONSIBILITY FOR ALL OF THE RISKS OF ACCESSING AND USING THE INTERFACE TO INTERACT WITH THE PROTOCOL.

  2. No Warranties THE SERVICES AND THE WALLET ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS, AND CREDITCOIN (AND OUR SUPPLIERS) EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. WE (AND OUR SUPPLIERS) MAKE NO WARRANTY THAT THE SERVICES OR THE WALLET WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SERVICES OR THE WALLET, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE. IF YOU LOSE YOUR RECOVERY PHRASE AND/OR PASSKEYS OF YOUR WALLET, YOU WILL NOT BE ABLE TO ACCESS YOUR CRYPTOCURRENCY IN THE WALLET. YOU ACKNOWLEDGE THAT CREDITCOIN OÜ DOES NOT STORE AND IS NOT RESPONSIBLE IN ANY WAY FOR THE SECURITY OF YOUR RECOVERY PHRASE AND/OR PASSKEYS. YOU AGREE TO HOLD CREDITCOIN OÜ. AND ITS AFFILIATES HARMLESS FOR ANY LOSSES ARISING FROM YOU LOSING YOUR RECOVERY PHRASE AND/OR PASSKEYS. YOU AGREE THAT CREDITCOIN OÜ AND ITS AFFILIATES SHALL NOT BE LIABLE IN ANY WAY IF YOU LOSE YOUR RECOVERY PHRASE AND/OR PASSKEYS AND CANNOT ACCESS YOUR CRYPTOCURRENCY. CREDITCOIN DOES NOT ENDORSE ANY OTHER THIRD PARTY AND SHALL NOT BE RESPONSIBLE IN ANY WAY FOR ANY TRANSACTIONS YOU ENTER INTO WITH OTHER USERS. YOU AGREE THAT CREDITCOIN WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY SORT INCURRED AS THE RESULT OF ANY INTERACTIONS BETWEEN YOU AND OTHER USERS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU

  3. No Investment Advice WE MAY PROVIDE INFORMATION ABOUT TOKENS IN OUR PRODUCTS SOURCED FROM THIRD-PARTY DATA PARTNERS. WE MAY ALSO PROVIDE WARNING LABELS FOR CERTAIN TOKENS. THE PROVISION OF INFORMATIONAL MATERIALS DOES NOT MAKE TRADES IN THOSE TOKENS SOLICITED; WE ARE NOT ATTEMPTING TO INDUCE YOU TO MAKE ANY PURCHASE AS A RESULT OF INFORMATION PROVIDED. ALL SUCH INFORMATION PROVIDED BY ANY OF OUR PRODUCTS IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS INVESTMENT ADVICE OR A RECOMMENDATION THAT A PARTICULAR TOKEN IS A SAFE OR SOUND INVESTMENT. YOU SHOULD NOT TAKE, OR REFRAIN FROM TAKING, ANY ACTION BASED ON ANY INFORMATION CONTAINED IN ANY OF OUR PRODUCTS. BY PROVIDING TOKEN INFORMATION FOR YOUR CONVENIENCE, WE DO NOT MAKE ANY INVESTMENT RECOMMENDATIONS TO YOU OR OPINE ON THE MERITS OF ANY TRANSACTION OR OPPORTUNITY. YOU ALONE ARE RESPONSIBLE FOR DETERMINING WHETHER ANY INVESTMENT, INVESTMENT STRATEGY OR RELATED TRANSACTION IS APPROPRIATE FOR YOU BASED ON YOUR PERSONAL INVESTMENT OBJECTIVES, FINANCIAL CIRCUMSTANCES, AND RISK TOLERANCE.

7. LIMITATION ON LIABILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CREDITCOIN BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICES OR THE WALLET, EVEN IF CREDITCOIN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ACCESS TO, AND USE OF, THE SERVICES OR THE WALLET IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF FIFTY US DOLLARS (U.S. $50). THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

8. TERMS AND TERMINATION.

Subject to this Section, these Terms will remain in full force and effect while you use the Services or the Wallet. We may suspend or terminate your rights to use the Services or the Wallet at any time for any reason at our sole discretion, including for any use of the Services or the Wallet in violation of these Terms. Upon termination of your rights under these Terms, your right to access and use the Services or the Wallet will terminate immediately. You understand that any termination of your right to use the services may involve deletion of your access to your API keys associated with your right to use the services from our live databases. Creditcoin will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your right to use the services. Even after your rights under these Terms are terminated, the following provisions of these Terms will remain in effect: Sections 2.2 through 2.6, and Sections 3, 4, 6 and 7.

9. DISPUTE RESOLUTION

Please read this Arbitration Agreement carefully. It is part of your contract with Creditcoin and affects your rights. It contains procedures for mandatory binding arbitration and a class action waiver.

  1. Governing Law. You agree that the laws of the State of Delaware, without regard to principles of conflict of laws, govern this Terms of Use and any dispute between you and us. You further agree that each of our Services shall be deemed to be based solely in the State of Delaware, and that although a Product may be available in other jurisdictions, its availability does not give rise to general or specific personal jurisdiction in any forum outside the State of Delaware. The parties acknowledge that this Terms of Use evidences interstate commerce. Any arbitration conducted pursuant to this Agreement shall be governed by the Federal Arbitration Act. If you are located outside of the United States (U.S.), your use or access the Services or the Wallet solely at your own risk and initiative. The Service is controlled and operated from facilities within the U.S. This Services is not intended to subject Creditcoin to non-U.S. jurisdiction or laws, except as otherwise expressly stated in this Agreement. The Service may not be appropriate or available for use in some jurisdictions. Creditcoin and its partners do not represent or warrant that the Services or the Wallet or any part thereof are appropriate or available for use in any particular jurisdiction other than the United States. In choosing to access the Services or the Wallet, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations.

    SOME JURISDICTIONS HAVE CONSUMER PROTECTION AND OTHER LEGISLATION WHICH MAY APPLY TO THE SERVICES OR THE WALLET AND WHICH DO NOT ALLOW CERTAIN PROVISIONS SUCH AS LIMITATIONS OF LIABILITY AND EXCLUSION OF CERTAIN WARRANTIES, AMONG OTHERS. TO THE EXTENT THAT A LIMITATION, EXCLUSION, RESTRICTION OR OTHER PROVISION SET OUT BELOW IS SPECIFICALLY PROHIBITED BY APPLICABLE LAW, SUCH LIMITATION, EXCLUSION, RESTRICTION OR PROVISION MAY NOT APPLY TO YOU.

  2. Notice Requirement and Informal Dispute Resolution. Before either party may seek arbitration, the party must first send to the other party a written Notice of Dispute (“Notice”) describing the nature and basis of the claim or dispute, and the requested relief. Each party hereby irrevocably and unconditionally consents to service of process through personal service at their corporate headquarters, registered address, or primary address (for individuals or sole proprietors). Nothing in these Terms will affect the right of any party to serve process in any other manner permitted by Law. After the Notice is received, you and Creditcoin may attempt to resolve the claim or dispute informally. If you and Creditcoin do not resolve the claim or dispute within thirty (30) days after the Notice is received, either party may begin an arbitration proceeding. The amount of any settlement offer made by any party may not be disclosed to the arbitrator until after the arbitrator has determined the amount of the award, if any, to which either party is entitled.

  3. Arbitration Rules. Arbitration shall be initiated through the American Arbitration Association (“AAA”), an established alternative dispute resolution provider (“ADR Provider”) that offers arbitration as set forth in this section. If AAA is not available to arbitrate, the parties shall agree to select an alternative ADR Provider. The rules of the ADR Provider shall govern all aspects of the arbitration, including but not limited to the method of initiating and/or demanding arbitration, except to the extent such rules are in conflict with the Terms. The AAA Consumer Arbitration Rules (“Arbitration Rules”) governing the arbitration are available online at www.adr.org or by calling the AAA at 1-800-778-7879. The arbitration shall be conducted by a single, neutral arbitrator. Any claims or disputes where the total amount of the award sought is less than Ten Thousand U.S. Dollars (US $10,000.00) may be resolved through binding non-appearance-based arbitration, at the option of the party seeking relief. For claims or disputes where the total amount of the award sought is Ten Thousand U.S. Dollars (US $10,000.00) or more, the right to a hearing will be determined by the Arbitration Rules. The arbitration will be held in New York, New York, unless you and we both agree to hold it elsewhere. Unless we agree otherwise, the arbitrator may not consolidate your claims with those of any other party. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. If the arbitrator grants you an award that is greater than the last settlement offer that Creditcoin made to you prior to the initiation of arbitration, Creditcoin will pay you the greater of the award or $2,500.00. Each party shall bear its own costs (including attorney’s fees) and disbursements arising out of the arbitration and shall pay an equal share of the fees and costs of the ADR Provider. You agree that the federal and state courts of New York County, New York are the proper forum for any appeals of an arbitration award or for court proceedings in the event that this Agreement's binding arbitration clause is found to be unenforceable

  4. Additional Rules for Non-Appearance Based Arbitration. If non-appearance-based arbitration is elected, the arbitration shall be conducted by telephone, online and/or based solely on written submissions; the specific manner shall be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise agreed by the parties.

  5. Time Limits. If you or Creditcoin pursue arbitration, the arbitration action must be initiated and/or demanded within the statute of limitations (i.e., the legal deadline for filing a claim) and within any deadline imposed under the AAA Rules for the pertinent claim.

  6. Authority of Arbitrator. If arbitration is initiated, the arbitrator will decide the rights and liabilities, if any, of you and Creditcoin, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages, and to grant any non-monetary remedy or relief available to an individual under applicable law, the AAA Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and Creditcoin.

  7. Confidentiality. All aspects of the arbitration proceeding, including but not limited to the award of the arbitrator and compliance therewith, shall be strictly confidential. The parties agree to maintain confidentiality unless otherwise required by law. This paragraph shall not prevent a party from submitting to a court of law any information necessary to enforce this Agreement, to enforce an arbitration award, or to seek injunctive or equitable relief.

  8. Severability. If any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable by a court of competent jurisdiction, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Agreement shall continue in full force and effect.

  9. Right to Waive. Any or all of the rights and limitations set forth in this Arbitration Agreement may be waived by the party against whom the claim is asserted. Such waiver shall not waive or affect any other portion of this Arbitration Agreement.

  10. Survival of Agreement. This Arbitration Agreement will survive the termination of your relationship with Creditcoin.

  11. Claims Not Subject to Arbitration. Notwithstanding the foregoing, claims of defamation, violation of the Computer Fraud and Abuse Act, and infringement or misappropriation of the other party’s patent, copyright, trademark or trade secrets shall not be subject to this Arbitration Agreement.

10. WAIVER OF JURY TRIAL

  1. Waiver of Jury Trial. THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, INSTEAD ELECTING THAT ALL CLAIMS AND DISPUTES SHALL BE RESOLVED BY ARBITRATION UNDER THIS ARBITRATION AGREEMENT. ARBITRATION PROCEDURES ARE TYPICALLY MORE LIMITED, MORE EFFICIENT AND LESS COSTLY THAN RULES APPLICABLE IN A COURT AND ARE SUBJECT TO VERY LIMITED REVIEW BY A COURT. IN THE EVENT ANY LITIGATION SHOULD ARISE BETWEEN YOU AND CREDITCOIN IN ANY STATE OR FEDERAL COURT IN A SUIT TO VACATE OR ENFORCE AN ARBITRATION AWARD OR OTHERWISE, YOU WAIVE ALL RIGHTS TO A JURY TRIAL, INSTEAD ELECTING THAT THE DISPUTE BE RESOLVED BY A JUDGE.

  2. Waiver of Class or Consolidated Actions. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS, AND CLAIMS OF MORE THAN ONE USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER USER.

11. GENERAL.

  1. Changes. These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our Services. You are responsible for providing us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective one (1) day following the earlier of our dispatch of an e-mail notice to you (if applicable) or one (1) day following our posting of notice of the changes on our Websites. These changes will be effective immediately for new users of our Services. Continued use of our Services following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

  2. Trading You agree and understand that: (a) all trades you submit through any of our Websites and Services are considered unsolicited, which means that they are solely initiated by you; (b) you have not received any investment advice from us in connection with any trades, including those you place via our API; and (c) we do not conduct a suitability review of any trades you submit.

  3. Non-Custodial and No Fiduciary Duties Each of the Services is a purely non-custodial application, meaning we do not ever have custody, possession, or control of your digital assets at any time. It further means you are solely responsible for the custody of the cryptographic private keys to the digital asset wallets you hold and you should never share your wallet credentials or seed phrase with anyone. We accept no responsibility for, or liability to you, in connection with your use of a wallet and make no representations or warranties regarding how any of our Services will operate with any specific wallet. Likewise, you are solely responsible for any associated wallet and we are not liable for any acts or omissions by you in connection with or as a result of your wallet being compromised. For the avoidance of doubt, any references herein to a "wallet" shall include the Creditcoin Wallet.

    This Agreement is not intended to, and does not, create or impose any fiduciary duties on us. To the fullest extent permitted by law, you acknowledge and agree that we owe no fiduciary duties or liabilities to you or any other party, and that to the extent any such duties or liabilities may exist at law or in equity, those duties and liabilities are hereby irrevocably disclaimed, waived, and eliminated. You further agree that the only duties and obligations that we owe you are those set out expressly in this Agreement.

  4. Not Registered with the SEC or Any Other Agency We are not registered with the U.S. Securities and Exchange Commission as a national securities exchange or in any other capacity. You understand and acknowledge that we do not broker trading orders on your behalf. We also do not facilitate the execution or settlement of your trades, which occur entirely on public distributed blockchains like Ethereum. As a result, we do not (and cannot) guarantee market best pricing or best execution through our Services. Any references to "best price" in our Services do not constitute a representation or warranty about pricing available through our Services or elsewhere.

  5. Export. The Services and the Wallet may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Creditcoin, or any products utilizing such data, in violation of the United States export laws or regulations.

  6. Disclosures. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.

  7. Electronic Communications. The communications between you and Creditcoin use electronic means, whether you use the Services or the Wallet or send us emails, or whether Creditcoin posts notices on the Websites or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Creditcoin in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Creditcoin provides to you electronically satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy writing. The foregoing does not affect your non-waivable rights. Your consent will remain in effect until you withdraw it.

  8. Entire Terms. These Terms constitute the entire agreement between you and us regarding the use of the Services or the Wallet. The section titles in these Terms are for convenience only and have no legal or contractual effect. The word “including” means “including without limitation.” If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. You confirm that you are acting on your own behalf and not for the benefit of any other person. Your relationship to Creditcoin is that of an independent contractor, and neither party is an agent or partner of the other. These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Creditcoin’s prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void. Creditcoin may freely assign these Terms. The terms and conditions set forth in these Terms shall be binding upon assignees.

  9. Waiver. A waiver by Creditcoin of any right or remedy under these Terms shall only be effective if it is in writing, executed by a duly authorized representative of Creditcoin and shall apply only to the circumstances for which it is given. Our failure to exercise or enforce any right or remedy under these Terms shall not operate as a waiver of such right or remedy, nor shall it prevent any future exercise or enforcement of such right or remedy. No single or partial exercise of any right or remedy shall preclude or restrict the further exercise of any such right or remedy or other rights or remedies.

  10. Copyright/Trademark Information. Copyright © 2024 Creditcoin OÜ All rights reserved. All trademarks, logos and service marks (“Marks”) displayed on the Websites are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.

  11. Contact Information : Creditcoin OÜ team@creditcoin.org

10. ASSOCIATED BRANDS.

  1. Cafe GM. Cafe GM is a brand associated with Creditcoin OÜ. It is not a separate legal entity. Any services, products, or content provided under the Cafe GM brand are subject to these Terms.

  2. PenguinSwap PenguinSwap is a brand associated with Creditcoin OÜ. It is not a separate legal entity. Any services, products, or content provided under the PenguinSwap brand are subject to these Terms.

  3. Spacecoin. Spacecoin is a separate legal entity with its own website (https://spacecoin.org/). Creditcoin OÜ may provide links to the Spacecoin website. Your use of the Spacecoin website and any associated services is governed by Spacecoin's own terms of use and privacy policy.

11. DATA COLLECTION, USE, AND STORAGE.

Creditcoin OÜ collects, uses, and stores user data in accordance with these Terms, our Privacy Policy, and applicable laws and regulations. By using our Services, you consent to our data practices as described in this section and our Privacy Policy. We may update our data practices from time to time, and your continued use of our Services after such changes constitutes acceptance of the updated practices.

We may collect various types of data to provide and improve our Services. This includes personal information such as name, email address, and blockchain addresses; service usage data about your interactions with our Services; and device information about the hardware and software you use to access our Services. For our swap services, we specifically collect and process your email address and blockchain addresses for token transfers. This information is used solely for executing transactions, providing customer support, and communications related to the swap services.

Regarding the Credit Wallet, and as stated above in Section 3.11 of this Agreement, the Wallet allows you to use biometric data, such as your fingerprint or face recognition, to unlock the Wallet and authorize transactions. You acknowledge and agree that any biometric data used for authentication is stored locally on your device and not collected, transmitted to, or stored by Creditcoin OÜ. You are solely responsible for the security and integrity of your biometric data and your device. You must not share your device or your biometric data with anyone or allow anyone to access the Wallet using your biometric data. You must notify us immediately if you suspect any unauthorized use of your biometric data or your device. We are not liable for any loss or damage resulting from your use of biometric data or your device. However, we may collect and store public blockchain addresses associated with your Credit Wallet, transaction histories, and token balances to provide and improve our Services.

We use the collected data to provide, maintain, and improve our Services; process transactions and send notices about your transactions; resolve disputes and troubleshoot problems; prevent potentially prohibited or illegal activities; and enforce our Terms of Use. We may also use aggregated, anonymized data for analytical and statistical purposes.

Creditcoin OÜ does not sell, rent, or share personal information with third parties except as described in these Terms and our Privacy Policy. We may share data with service providers and business partners who assist in providing our Services, law enforcement or regulatory agencies as required by law or to protect our rights, and other parties with your consent or at your direction.

We implement reasonable security measures to protect against unauthorized access, alteration, disclosure, or destruction of personal information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security of your data.

You may have certain rights regarding your personal information, including rights to access, correct, or delete your data. To exercise these rights or for any questions about our data practices, please contact us at team@creditcoin.org. We retain personal information for as long as necessary to provide our Services and comply with legal obligations. You may request deletion of your account and associated personal information, subject to our legal and operational requirements.

Please note that your information may be transferred to and processed in countries other than your country of residence. By using our Services, you consent to the transfer of information to countries that may have different data protection rules than your country.

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