These Terms are a legal agreement between you (the “Customer”, including any entity you represent) and KryptoX (insert legal entity name and address) (“KryptoX”, “we”, “us”). KryptoX provides technology and operational workflows to convert supported digital assets to fiat and to instruct fiat settlement to your designated bank account via partner financial institutions.

• No bank/custody: KryptoX is not a bank, custodian, investment adviser, broker-dealer, or money transmitter unless expressly stated by license or law in your jurisdiction.
• Third parties: Services may rely on partner banks, payment processors, KYC/KYB/KYT providers, and blockchain networks; their terms may apply.
• Business use: The Services are intended for institutional or business use; consumer use may be restricted.

• You must be at least 18 years old and have the authority to bind your organization.
• You must complete KYC/KYB and be approved by KryptoX before accessing settlement features.
• You are responsible for safeguarding credentials, API keys, and access tokens (RBAC recommended).
• Provide accurate information and promptly update any changes (e.g., directors, UBOs, addresses).

• Conversion: Quoting and converting supported digital assets to fiat currencies.
• Settlement: Instruction to transfer fiat proceeds to your linked bank account.
• Compliance: Identity verification, sanctions/PEP screening, and transaction monitoring.
• Dashboards & APIs: Reporting, webhooks, and exports for finance & audit.

Availability, features, and supported assets/currencies may vary by region and partner bank.

• You authorize KryptoX and its providers to collect, verify, and process information for KYC/KYB and AML purposes, including rescreening at intervals or upon material changes.
• KryptoX may delay, suspend, or refuse transactions where required by law or policy (e.g., sanctions alerts, suspected fraud, inadequate documentation).
• You must maintain accurate beneficial ownership, source of funds/wealth documentation when requested, and cooperate with reviews.
• Use of anonymizing services, mixers, or high-risk sources may lead to enhanced due diligence, delays, or rejection.

• Fees: Conversion, settlement, network fees, and other charges as communicated in your order form, dashboard, or agreement.
• Taxes: You are responsible for all applicable taxes. KryptoX does not provide tax advice.
• Limits: Transaction and daily/monthly limits may apply based on risk and partner bank requirements.
• Reversals/Chargebacks: Where applicable, you remain liable for chargebacks, clawbacks, or recalls initiated by banks or networks.

• Timing: Under normal conditions, fiat settlement may complete in under one hour after conversion and compliance checks. Timing is not guaranteed and depends on banks, networks, and screening status.
• Holds: KryptoX may place holds pending alerts resolution, chargeback windows, or regulatory requirements.
• Maintenance & Downtime: Scheduled or emergency maintenance may affect availability; we strive to minimize disruptions.

You must not use KryptoX for activities that are illegal, abusive, or inconsistent with our risk policies. Prohibited examples include:

• Sanctions evasion; transactions with embargoed jurisdictions or restricted parties.
• Money laundering, terrorist financing, fraud, or deceptive schemes.
• Use of mixers/tumblers or privacy-enhancing techniques intended to conceal source of funds.
• Unlicensed money services, unlawful gambling, or sale of prohibited goods/services.
• Interference with the platform, security testing without authorization, or data scraping.

KryptoX may update its prohibited activities list at any time.

KryptoX owns all rights, title, and interest in the Services, including software, documentation, and branding. We grant you a limited, non-exclusive, non-transferable license to use the Services during the term in accordance with these Terms. You may not reverse engineer, copy, or create derivative works except as permitted by law.

Your use of the Services is subject to the Data Protection Standards and our Privacy Policy (link your policy). We implement encryption, RBAC, retention schedules, and subject-rights workflows as described therein.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, KryptoX DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. KryptoX DOES NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION, OR GUARANTEE SETTLEMENT TIMES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, KryptoX AND ITS PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL. EXCEPT FOR AMOUNTS DUE UNDER A SPECIFIC ORDER, KryptoX’S AGGREGATE LIABILITY SHALL NOT EXCEED THE FEES PAID BY YOU TO KryptoX FOR THE SERVICES IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

You will defend, indemnify, and hold harmless KryptoX, its affiliates, officers, employees, and partners from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of your use of the Services, your breach of these Terms, or your violation of law or third-party rights.

• KryptoX may suspend or terminate access immediately for suspected violations, legal requirements, or security risks.
• You may terminate by closing your account and ceasing all use; accrued obligations and outstanding amounts survive.
• Upon termination, we may retain records as required by law and our retention schedules.

These Terms are governed by the laws of insert governing jurisdiction (e.g., State of Delaware, USA), excluding its conflict of laws rules. Any dispute shall be resolved in the courts (or agreed arbitration forum) located in insert venue. You consent to personal jurisdiction and venue in such courts.

Optional: include an arbitration clause (e.g., JAMS/AAA) and class-action waiver per your counsel’s advice.

We may update these Terms from time to time. Material changes will be notified via dashboard, email, or website. Changes take effect upon posting unless otherwise stated. Continued use after changes constitutes acceptance.

KryptoX may use third-party service providers and subprocessors (e.g., identity verification, blockchain analytics, liquidity and banking rails) to deliver the Services. You authorize KryptoX to engage such providers and to share necessary data for the purpose of providing the Services and complying with law.

• No endorsement/availability: Third-party services are provided by their respective operators and may be updated, limited, or discontinued without notice.
• Changes: KryptoX may add or replace providers over time. We maintain a current list of subprocessors in our Privacy & Data pages and will provide notice of material changes as required by law or contract.
• Liability: To the maximum extent permitted by law, KryptoX is not liable for acts or omissions of third parties beyond our reasonable control; your sole remedy shall be limited as set out in these Terms.

Questions about these Terms? Contact us at legal@kryptox.io (replace with your legal contact).