YDPay Terms of Service

Welcome to YDPay! a service provided by PISI Pay. By accessing or using any of our services or platforms, you agree to comply with and be bound by our terms of service (the "Terms"). These Terms govern our relationship with you and your use of our various offerings, which may include:

Agreement

These Terms of Service (“Terms”) serve as an agreement between YDPay Customers and Users (“You/Your”) and PISI Payments Solutions Limited Doing Business As YDPay (“We/Us/Our”). Services in this Agreement refers to the digital asset wallets, exchange, conversion and such other ancillary services made available to you on the YDPay Platform from time to time (“Services”). We may make changes to these Terms from time to time. When we make this change, we may inform you via available channels including but not limited to updates of the version control and last update sections of this page. Unless otherwise stated in a written communication to you, updates to our Terms will become effective on the date of publication. Subject to the provision of Applicable Laws, updates to our Terms will not apply retroactively.

Scope

These Terms apply to;
2.1.  YDPay customers (“you/your”) using the YDPay (“we/our”) mobile or web application, application programming interface (“API”), website, or such other medium through which YDPay officially provides its Service (altogether “Platform”).
2.2.  Business clients of the YDPay service
2.3.  End users of introduced business consuming YDPay’s service through a partner or duly authorised agent.

Eligibility Requirements

You are eligible to use our Service if;
3.1.  You are at least 18 years of age at the time of signing up;
3.2.  You reside in a country where we have officially disclosed our operational presence and have secured operational licence or permission;
3.3.  You have not been previously convicted of any crime of involving fraud, financial crime or dishonesty;
3.4.  You are not signing up to stalk or harass a person;
3.5.  You are not signing up to carry out acts or omissions contrary to Applicable Laws;
3.6  You have not been previously exited or offboarded from the Platform; or
3.7   You have completed the onboarding application with your true and verifiable information.
Notwithstanding the above, the Services available to you depend on the country where you are resident. You may be restricted from viewing or accessing some Services subject to our internal risk appetite, Applicable Laws and other factors considered solely at our discretion.

Account Management

When you sign up to use our Services, you acknowledge and agree that you have read and have full understanding of our Terms, Risk Warning, Privacy Notice and conditions stated in these Terms.

• 4.1.  Creation and Authorised Persons
  By creating an account on our Platform, you represent and warrant that the information you have provided is verifiably true and you have met the eligibility criteria set out in these Terms. Where applicable, you acknowledge and agree that the persons you have authorised to operate your business account equally meet the eligibility criteria.
• 4.2.  Password Management
  You represent and warrant that you will keep your password and all authorisation information private. You acknowledge and agree that any and all transactions initiated with your authorisation information shall be construed as being initiated by you.
• 4.3.  Security
  We have implemented some technical and governance measures to ensure the security of your account. However, you agree you be responsible for safeguarding and maintaining control over your credentials, including passwords, personal identification numbers (PINs), API keys, and any other access codes linked to your account; updating your contact information current to ensure you receive important security notices, where available; protecting and maintaining control over the email account, phone number, and multi-factor authentication devices or applications connected to your account.

Transaction Settlement, Network Considerations and Fulfilment

When using our services, you agree to do so lawfully and responsibly. Prohibited activities include but are not limited to:

• 5.1.  Where you desire to onramp or offramp on our Platform, you may use any of the available fiat funding or settlement channels. You acknowledge that you are aware that fiat related services are provided by third party integrations on our Platform. You also authorise us to debit or credit your connected card or accounts or other payment method available on the Platform (“Payment Method”) in furtherance of your instructions. or misusing aspects of the service.
• 5.2.  Deposits into your wallets provided by us on our Platform shall meet the following requirements at the minimum: it must be made from an account or card in your own name; it must be free of all charges, encumbrances or illegality; it must be made in a currency recognised by our Platform; it must be made into an account provided to you at the time of deposit; It must be made via approved channels excluding physical cash or cheques and such other terms as may be communicated to you via our available channels.
• 5.3.  Where you have requested an offramp service, you agree to instruct us to debit your wallet or applicable address where you hold a Digital Asset hosted on our Platform, and provide the fiat value at an exchange rate determined by us, into your preferred Payment Method, supported by our Platform, subject to the application of screening, compliance reviews and such other pre transaction activities required under applicable laws or YDPay internal policies and procedure. We agree to ensure that such fiat settlement instruction is sent as soon as possible to our payment partners.
• 5.4.  If after due authentication and login to your account, an order for digital assets trade is made from your account, you acknowledge and agree that the order is and always should be deemed as yours. You further acknowledge and agree that we will not process any reversal of purchase or cancellation of orders after it has been made.
• 5.5  In some instances, deposits and transaction execution/fulfilment may experience some delays on the Platform. While we will deploy resources to resolve any such issues, you acknowledge and agree that we will bear no liability for such delays.
• 5.6.  Blockchain networks are the processors of your onchain transactions. You represent and warrant that your transaction information presented to us is true, correct, and intended. You further acknowledge and agree to bear all liability incurred in relation to misrepresentation, falsity or incorrect information present at the point of transaction instruction including but not limited to missing deposits, missing withdrawals, etc. You acknowledge that you understand that we do not control the network and payment instructions submitted to us constitute an authorisation to submit your transaction to the network for processing. You further acknowledge and agree that delays or cancellations by the network, and any damage incurred as a result, shall not be borne by us.

Fees, Charges, Interest and Taxes

• 6.1.  We reserve the right to set and make changes to our fees for Services provided to you from time to time. However, any fee to be charged will be disclosed to you prior to the execution of your transaction. We have provided a list of fees applicable on our Platform on the Our Fees page of our website, which is incorporated by reference in these terms. Where there is any conflict between the provisions of the page and the fees disclosed on our Platform at the time of transaction execution, the provision of the latter shall prevail to the extent of such inconsistency.
• 6.2.  We reserve the right to correct any errors in pricing, account balances, or transaction records resulting from technical malfunctions, system bugs, human error, or external disruptions. This includes the ability to reverse or adjust trades that were executed based on such errors, notwithstanding its settlement or withdrawal. We also reserve the right to clawback any amounts that have been paid or settled to you wrongly, or as proceeds of unjust enrichment, or set it off against your available balance to the fullest extent permitted under Applicable Laws. You acknowledge and agree to provide all support required to give effect to the provision of this Clause.
• 6.3.  You agree to promptly pay all fees and maintain a sufficient balance from which all necessary fees and deductions shall be made. You further agree that we have the right to set-off any outstanding payment, fees, charges or deductions from your existing balance or any amount due to you on our Platform. Where applic
• 6.4.  able, the deductions shall be settled from available digital assets on your account, and the choice shall be at our sole discretion and a rate of exchange determined by us at the time of deduction provided that the deducted amount shall be equal to the amount due to us at the time of deduction.
• 6.5.  You agree to bear all taxes, disbursements, costs, levies and statutory deductions applicable to your accounts and transactions in compliance with Applicable Laws. You further authorise us to make all such deductions necessary from your account to give effect to the provision of this clause, where required under Applicable Laws. Unless expressly required under Applicable Laws, you agree to bear the personal responsibility for taxes applicable to your trades, transactions or activities on our Platform. You further agree to indemnify us for any failure to disclose, file, report, withhold or remit any such applicable tax unless expressly required by law.

Risk Acknowledgment and Indemnities

By using our Services, you acknowledge that you have read and fully understood our Risk Disclosure along with other risks associated with dealing in, trading or consuming virtual assets Services. You agree to indemnify us against any claim arising from your lack of awareness or misunderstanding of the risk.

Content Moderation

Your use of our Platform may involve some form of content creation or communication processing. You acknowledge and agree to be bound by the communication rules binding on the Platform and adjacent communication tools used to manage our customer community(ies). You further agree to not do any of the following;

• 8.1.  Upload infringing, misrepresented, harmful, fraudulent or misleading content;
• 8.2.  Falsely attribute a claim to us or misrepresent yourself as our agent, unless otherwise authorised inwriting;
• 8.3.  Impersonate our staff or a third party;
• 8.4.  Create or distribute unsolicited commercial communications or spam including but not limited to mass broadcasts, replication of previous marketing materials, promotion of fake projects or projects with fake contact addresses etc

You acknowledge and agree that you may be exited from the Platform if you breach any of the aforementioned rules or such other Platform guidance as we may provide you from time to time.

Dormancy

• 9.1.  We encourage you to remain active on the Platform as we continue to deliver best-in-class services. However, if your account remains inactive for a period defined by Applicable Laws, we may classify it — and any assets held within it — as dormant and handle it in accordance with those Applicable Laws. We may require you to retake our verification or complete a compliance review procedure before initiating a new transaction after such dormancy.
• 9.2.  Before taking such action, we may attempt to contact you regarding the status of your account and any unclaimed funds or assets. If we do not receive a response within a reasonable period or within the timeframe specified by applicable laws, we will proceed as required under the Applicable Laws governing dormant accounts.

Asset Listing, Custody and Delisting

• 10.1.  Listing Discretion
  We retain the sole and absolute discretion to determine which digital assets listed on the Platform and made available for trading or exchange (“Assets”), and under what conditions such Assets are listed subject to the Applicable Laws.
• 10.2.  Asset Custody
  Assets held in your wallet as disclosed on the Platform are in YDPay’s custody or the custody of service providers engaged by YDPay. Notwithstanding, you continue to hold the title to the asset and may deal with such assets in such a manner as you please subject to the features available on the Platform, YDPay’s policies and Applicable Laws.
• 10.3.  No Endorsement, Disparagement or Availability Guarantees
  Our listing or delisting of an Asset does not constitute and should not be construed as an endorsement, guarantee, or recommendation nor the disparagement of such Asset or its quality, legality, market value, governing team, sponsor or its underlying project. We expressly disclaim any and all liability relating to marketing, listing or delisting of such Asset and we encourage you to review our Risk Warning before making trading decisions relating to listed Assets.
• 10.4.  Suspension or Delisting
  We retain the sole discretion to suspend, restrict or permanently remove any Asset (a removed asset is hereafter referred to as “Delisted Asset”) on the occurrence of any one or more of the following events;
  10.4.1.  We are required by Applicable Law or on the order of a competent authority to suspend, restrict or remove the Asset;
  10.4.2.  the Asset or associated issuer is suspected or found to be involved in illegal, fraudulent, or misleading activity;
  10.4.3.  the Asset’s blockchain network becomes unstable, compromised, or ceases to function reliably;
  10.4.4.  there are material technical or security risks (e.g., protocol exploit, loss of network consensus, 51% attack);
  10.4.5.  the Asset fails to maintain minimum liquidity, trading volume, or network activity levels as determined by our assessment team; and
  10.4.6.  The continued listing of the Asset constitutes reputational or regulatory risk to YDPay and/or YDPay’s customers.
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  You acknowledge and agree that we will provide notice where it is reasonably practicable to do so given the circumstance. However, where the situation does not permit, you acknowledge and agree that YDPay may initiate such suspension, restriction or permanent removal of the Asset without notice to you.
• 10.5.  Winding-Up Procedure
  10.5.1.  Notice
  We will provide you with reasonable advance notice of any delisting, where reasonably practicable. However, we reserve the right to act immediately if required to protect you, comply with law, or mitigate risk/exposure.
  10.5.2.  Withdrawals Upon notice of delisting, you agree to ensure that all your positions, virtual accounts, or Sub-Customer holdings, where applicable, in the affected Asset (“Delisted Asset”) are withdrawn, settled, or converted within the timeframe specified by YDPay (“Exit Period”).
  10.5.3.  Exit and Access Removal At the expiration of the Exit Period, we will complete the removal of the Asset from our Platform. Any and all available balance in the Delisted Asset may become unavailable. We reserve the discretion to convert available balances in the Delisted Assets to fiat or such other Asset available on our Platform to preserve your balance.
  10.5.4.  Introduced Business - Sub-Customer Notices Where you onboard Sub-Customers under Introduced Business operations, you shall ensure that all Sub-Customer activities involving any listed Asset comply with FATF Recommendation 15, relevant Travel Rule obligations, and applicable local licensing requirements. You agree to ensure that relevant notices are issued to Sub-Customers ahead of a delisting operation, where applicable. For the purpose of this clause, Introduced Business means business customers who rely on YDPay’s infrastructure to create subaccounts and provide ancillary services to their customers (“Sub-Customers”).

Blockchain Events and Risk Allocation

• 11.1.  ForksIn the event of a Network fork or chain split, YDPay shall, in its sole discretion, determine which chain to support. YDPay shall have no obligation to support, credit, or enable access to any alternative or resulting digital asset.
• 11.2.  Network Upgrades
  YDPay may temporarily suspend access to the Platform, execution of a transaction or transaction processing to accommodate Network upgrades or changes. The Customer acknowledges such suspensions may occur without prior notice.
• 11.3.  Airdrops
  Unless explicitly agreed in writing and under signature by an authorised representative of YDPay, the Customer shall not be entitled to any assets created by forks, airdrops, or similar events.

Trading Rules and Transaction Execution

• 12.1.  Order Categories
  You may request different order types as may be made available to you on our Platform from time to time. This may include market order, limit order, stop loss orders etc. You acknowledge that these functionalities are provided on an “AS IS” and “AS AVAILABLE” basis. When you authorise any of these functions on our Platform, you acknowledge that you understand the implication and that you will cease to use the function, where you do not have sufficient understanding of its implication.
• 12.2.  Market Integrity
  We have zero tolerance for market manipulation of any kind including but not limited to front running, insider trading, artificial price inflation, wash trading, pump and dumps, rugpulls etc. By using our Services, you acknowledge and agree that you shall not;
  12.2.1.  Make representations to mislead, defraud or deceive unsuspecting persons, entities or users, or YDPay, in a bid to take unfair, undue or illegal advantage against such persons, entities, users or YDPay;
  12.2.2.  Breaching the acceptable use policy;
  12.2.3.  Trade or attempt to trade while in possession of material non-public information relating to any digital asset listed or traded on the Platform; or
  12.2.4.   Assist, facilitate, finance, encourage, or otherwise enable any person or entity to engage in any of the foregoing activities.
• 12.3.  Technical Glitches and Interruptions
  12.3.1.  In the event of an outage, network issues, system rollback, or service interruption: (a)transactions may fail to process, may be delayed, or may appear as pending; (b) duplicate submissions or unacknowledged orders may occur; and (c) the Customer shall verify all affected transactions once Services are restored.
  12.3.2.  You acknowledge and agree to promptly notify us if you discover any technical glitch, malfunction, pricing inconsistency or error on the Platform, at no cost to us.
  12.3.3.  You represent and warrant that you shall not take unfair, unjust or illegal advantage of a  technical glitch or interruption on our Platform for financial, technical or other benefits to self or others. You further authorise us to debit from your accounts any such amounts owed to us by reason of your exploit of a technical glitch or interruption on our Platform.
• 12.4.  Automated Trading and Bots
  Where you authorise bots or robo-advisory tools to activate or execute trades on your account, you acknowledge and agree that you shall bear sole responsibility for the activities of such bots or robo advisory tools. You further represent and warrant that no intrusive or malicious software, capable of disrupting or interrupting our operations will be integrated into your account.

Financial Crimes

• 13.1.  Representation and Warranty
  You represent and warrant that you shall always and always use your account for lawful and fair purposes. You further represent that the identity information you provide at onboarding are a true representation of yourself. You acknowledge and agree that we may restrict or close your account, where you are found to be in breach of these representations.
• 13.2.  Sanctions
  We do not provide our Services in or to any entity, specially designated national, country or jurisdiction that has been sanctioned by Nigeria, European Union, the United Nations, the United States Office of Foreign Assets Control, the United Kingdom, Canada and such other sanctions list as we may apply from time to time. You acknowledge and agree that we may refuse to process transaction requests to or settle transactions received from addresses, persons, entities, specially designated nationals, country or jurisdictions listed on any of the aforementioned lists. None of the publications on our Platform shall be construed as soliciting for patronage by sanctioned entities or countries where the provision of our Services will be deemed illegal.
• 13.3.  Lawful Requests for Information
  As a regulated institution, from time to time, we may get writs, court orders, execution orders and requests from law enforcement agencies globally. You acknowledge and agree that we may comply with such requests and share such information as and when required subject to our internal policies and procedures
• 13.4.  Compliance Review and Account Restrictions You agree to provide reasonable support to us in the conduct of periodic compliance reviews. Where applicable, you agree to provide the requested information within the stipulated timeline to avoid issue escalation or account restrictions.

Intellectual Property

14.1.  All rights, title, and interest in and to the Services including the Platform and all related contents, features, and functionality (including but not limited to information, software, text, displays, images, video, audio, and the design, selection, and arrangement thereof) are and shall remain our exclusive property, our licensors, or other content providers we engage, where applicable. These materials are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws in Nigeria and internationally.
14.2.  Except as expressly provided under this Agreement or any other agreement to which you are a direct party, no license or right is granted to you, whether expressly, by implication, estoppel, or otherwise, to use any copyrighted materials, patents, trade secrets, trademarks, service marks, or other proprietary rights of YDPay/Pisi.
14.3.  You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from the Services without our prior written consent. You must also not alter or remove any copyright or proprietary rights notices appearing on any materials from the Services.
14.4.  When you participate in our beta or testing program, you acknowledge and agree that all intellectual property derived from your suggestions or by reason of your participation in the test group, is assigned fully to us. You further agree to provide all reasonable support required to give effect to this assignment including support during the registration and signing of all forms/documents, as and when required.
14.5.  We reserve the right, in our sole discretion, to suspend or terminate your access to the Services if you breach this Agreement or engage in any unauthorized or infringing use of the Services. s regarding the accuracy or reliability of any information provided through our platform.

Confidentiality and Trade Secrets

15.1.  You agree to maintain the confidentiality of any confidential information including but not limited to support communications, business information, trade secrets, client database, early access documentation and such other information which by their nature ought to be confidential(“Confidential Information”).
15.2.  For the purpose of this Agreement, confidential information shall not include any information that:
(i) becomes publicly available through no wrongful act or omission on your part;
(ii) you lawfully obtain from a third party who is not under any obligation of confidentiality, whether before or after the date of disclosure;
(iii) is independently developed by you without reference to or use of our Confidential Information; or
(iv) we expressly authorise the disclosure in writing. Not withstanding the foregoing, the you may disclose confidential information to the extent required by law, regulation, court order, or governmental directive (including but not limited to disclosure obligations under any applicable freedom of information or regulatory access law), provided that, where legally permissible, you give us prompt written notice and a reasonable opportunity to seek a protective order or otherwise contest such disclosure.
15.3.  If you participate in our beta or testing program or such other program through which you have secured early access to certain creative elements and trade secrets owned by us, you acknowledge and agree you shall keep confidential the communications, performance information, trade secrets and such other form of information accessed until the public release of the creative elements or trade secrets.

Data Protection

We will process your data in accordance with Applicable Laws, our privacy notice, cookie notice and our internal data protection and information security policies. Where applicable, you agree to the processing of your data for the purpose of performance of the Service for which you have engaged us or signed up to our Platform. Subject to the provisions of applicable laws, you may request to delete your account. We reserve the right under Applicable Laws to retain such information as may be required to be retained in compliance with data retention laws in force or later introduced within Nigeria (the “Territory).

Disclaimers

17.1.  Electronic Service Disclaimers
YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES, INCLUDING THE API, PLATFORM, AND ALL RELATED CONTENT, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER YDPAY EXCHANGE, ITS AFFILIATES, SERVICE PROVIDERS, PARTNERS, NOR ANY OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR REPRESENTATIVES (“YDPAY SERVICE PROVIDERS”) MAKE ANY WARRANTY OR REPRESENTATION AS TO THE OPERATION, AVAILABILITY, SECURITY, RELIABILITY, QUALITY, OR ACCURACY OF THE SERVICES.
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17.2.  Disclaimer of Warranties
WITHOUT LIMITING THE FOREGOING, NEITHER US NOR ANY YDPAY SERVICE PROVIDER WARRANTS THAT THE SERVICES OR ANY CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED; ANY DEFECTS OR ERRORS WILL BE CORRECTED; THE SERVICES, PLATFORM OR SERVERS ARE FREE OF VIRUSES, MALWARE, OR OTHER HARMFUL COMPONENTS; OR THE SERVICES WILL MEET YOUR REQUIREMENTS, EXPECTATIONS, ORINTENDED PURPOSES.
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17.3.  TO THE FULLEST EXTENT PERMITTED BY LAW, WE, AND THE YDPAY SERVICE PROVIDERS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND—EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE—INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
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17.4.  We do not guarantee the identity of counterparty nor their attribution. We disclaim entirely any claims of control or liability in respect of any goods or services you may sell or trade in exchange with a counterparty.

Several Liability

You acknowledge and agree that our liability under these Terms is several and distinct from other companies in the KHM Group or such other group of companies to which we may belong. All liabilities for the Services carried out by us shall be borne solely by the sponsor company disclosed in the header of these terms.

Limitation of Liability

19.1.  You acknowledge and agree that all decisions to access or use our Platform, or to enter into, execute, or rely on any transaction or contract, are made solely at your own discretion and risk. The Platform and any related content or services are provided for general information purposes only and are not intended to serve as the basis for, or a substitute for, your independent investment or trading decisions.

19.2.  You are solely responsible for evaluating and determining the suitability, appropriateness, and advisability of any transaction or investment you make through or in connection with the Platform. Neither us nor any of our directors, officers, employees, affiliates, agents, service providers, or representatives (“YDPay Associates”) shall have any responsibility or liability in relation to your investment decisions or outcomes. By providing access to the Platform, neither us nor YDPay Associates act as your advisor, broker, or fiduciary.

19.3.  We have no obligation to contact you or provide advice in connection with changes in market conditions, including disruptions, forks, or volatility affecting any Asset or blockchain network. You acknowledge that the digital asset markets are highly volatile and speculative, and that after any transaction is executed, you are solely responsible for monitoring your positions, managing risks, and issuing any further instructions in a timely manner.

19.4.  We make no representation or warranty that we will be able to contact you regarding such matters, and we accept no liability for any loss or damage resulting from delays, market fluctuations, or your failure to act promptly. Without limitation, neither us nor YDPay Associates shall be liable for any loss arising from changes in market conditions or delays prior to, during, or after the execution of any transaction.

19.5.  Our entire liability, if any, shall not exceed the total amount earned in fees during the pendency of our relationship, and shall not extend to liability for the acts of any third parties or their agents.

19.6.  We will bear no liability for any damage caused by a Force Majeure Event including but not limited to failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, unauthorized access, the malfunction of electronic or mechanical equipment, personal computer and any lines thereto, theft, operator errors, flood, earthquake, disease outbreak etc.

Dispute Resolution

Disputes happen. But it shouldn’t end our relationship. The following terms shall apply to the resolution of disputes arising in relation to the Services or the performance of these Terms;

20.1.  Exhaustion of Alternative Resolution Measures If you have any issue relating to our Platform, you acknowledge and agree that you will exhaust the possible internal complaint management system by reaching out through all available channels in the first instance including but not limited to sending an email to our support team via support@ydpay.io. You further acknowledge and agree that where the issue is unresolved and a dispute has arisen with respect to the performance, construction or interpretation of these Terms, you will exhaust all possible alternative dispute resolution measures including but not limited to electronic mediation, before proceeding to a court of competent jurisdiction in Nigeria.

20.2.  Jurisdiction and Governing Law The provisions of these Terms shall be governed in accordance with the Laws of the Federal Republic of Nigeria (“Applicable Laws”).

Termination and Account Closure

21.1.  Account Closure
We’d hate to see you leave but, in some instances, we may have to terminate your account. We reserve the sole discretion to determine at what time and in what instances an account will be confirmed for exit or closure. We may restrict certain portions of your funds at the time of closure of your account where there is a court order or lawful request mandating a freezing of such funds, where the funds are required to be blocked under applicable sanctions regimes and such other instances as we may determine at our sole discretion. You acknowledge and agree that you understand these terms and will provide reasonable support to achieve the objectives of this clause. We shall bear no liability for such closure.

21.2.  Termination
You may only terminate these terms by applying to delete your account. The termination becomes effective after the closure of your account. Such other terms including but not limited to Intellectual Property and Confidentiality or other terms which are by design required to succeed the termination of this agreement with you, shall survive the termination of this Agreement. We may equally terminate this agreement or Terms by closing your account, executing a superseding agreement with you in writing, or at the expiration of a seven (7) days written notice addressed to the contacts you have provided at verification.

Product Testing Terms

From time to time, we may engage you to support our early access or product testing program (“Test Program”). The following terms shall apply to our early access and product testing programs;
22.1.  The provisions of these Terms on Confidentiality and Intellectual Property shall apply to participation in the Test Program. For the avoidance of doubt, you acknowledge and agree to assign all intellectual property and creative rights in any of your contributions to us. You further agree to keep confidential all information you access or discover during the Test Program.
22.2.  You indemnify and hold us harmless for any damage or injury caused by your use of the Platform during the test or early access period. While we may try to make you whole at our sole discretion, you acknowledge and agree that we are under no legal or contractual obligation to rectify the damage.
22.3.  You acknowledge and agree that a breach of confidentiality terms may not be sufficiently remedied by an injunctive order of court. To this end, you acknowledge and agree that we may pursue special damages against you for breach of the provisions of these Terms.

General

23.1.  We may engage subcontractors to assist in delivering the Services including but not limited to payments service providers, custodian service providers etc. You acknowledge and agree that we may share your personal data with these providers where required to perform our obligations or provide our Services to you under these terms or as you may further request.
23.2.  These terms are personal to you, and you may not assign or transfer any of your rights or obligations under them. However, we may assign or transfer our rights and/or obligations under these terms at our discretion.
23.3.  If any provision of these terms is found to be illegal, invalid, or unenforceable, the remaining provisions will continue in full force and effect.