XRPayNet Global Limited Disclaimer

1. Identification of Parties This document serves as a disclaimer between XRPayNet Global Limited (“Company”), a corporation duly organized and existing under the laws of the United Kingdom, with its registered office at 14 Queens Road, CV1 3EG, Coventry, and the user (“User”) of the Company’s website and services. The Company specializes in the provision of financial technology services, particularly in the realm of cryptocurrency. It offers innovative solutions including, but not limited to, crypto debit cards. The User, by accessing the Company’s website and utilizing its services, acknowledges and agrees to the terms set forth in this disclaimer, engaging as a customer, client, or visitor.

2. Nature of Services XRPayNet Global Limited provides a range of cryptocurrency-related financial services. The cornerstone of these services is the issuance of crypto debit cards, which allow users to conduct transactions using cryptocurrencies in a manner similar to traditional banking cards. These services are designed to bridge the gap between digital currencies and everyday financial transactions. The scope of these services includes facilitating purchases, withdrawals, and transfers, subject to certain limitations and conditions as detailed in the user agreement. The services are accessible through the Company’s digital platforms, including its website and mobile applications, where users can manage their accounts, view transaction histories, and access customer support.

3. Regulatory Compliance The Company is committed to operating in full compliance with all applicable laws and regulations. This includes adherence to the rules and guidelines set forth by financial regulatory authorities in the jurisdictions where it operates. The Company is registered with the appropriate regulatory bodies and maintains strict compliance with Anti-Money Laundering (AML) and Know Your Customer (KYC) protocols. These measures are in place to prevent financial crimes and ensure the security and integrity of customer transactions and personal information.

4. Risk Disclaimer Cryptocurrency investments carry inherent risks due to their nature, including significant price volatility, market fluctuations, and potential regulatory changes. The value of cryptocurrencies can increase or decrease dramatically within a short period. The Company does not guarantee any specific outcomes from the use of its services and advises users to exercise caution and judgment. Users should be aware that they might lose some or all of their investment and should not invest funds that they cannot afford to lose. The Company recommends seeking advice from financial experts before making any investment decisions.

5. Limitation of Liability To the maximum extent permitted by applicable law, XRPayNet Global Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from (a) the user’s access to, use of, or inability to access or use the services; (b) any conduct or content of any third party on the services, including without limitation, any defamatory, offensive, or illegal conduct of other users or third parties; or (c) unauthorized access, use, or alteration of the user’s transmissions or content. This limitation of liability applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if the Company has been advised of the possibility of such damage.

6. No Investment Advice The content provided by XRPayNet Global Limited, including but not limited to information on its website, marketing materials, and other communications, is for informational purposes only and does not constitute financial, investment, or other types of advice. Users should not rely on this information as a basis for making investment decisions. The Company advises users to consult with financial advisors, tax professionals, or other specialists to understand the risks and legal implications associated with cryptocurrency investments.

7. Privacy Policy Reference The Company’s Privacy Policy governs the collection, use, and sharing of personal and financial information. The policy outlines the types of data collected, the purposes for which it is used, the measures taken to protect it, and the circumstances under which it may be shared with third parties. The Privacy Policy is designed to comply with data protection laws and regulations. Users are encouraged to review the Privacy Policy, available on the Company’s website, to understand their rights and the Company’s obligations in relation to personal data.

8. Jurisdiction and Governing Law This disclaimer and any disputes or claims arising out of or in connection with it are governed by and construed in accordance with the law of the United Kingdom. The courts of the United Kingdom shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this disclaimer.

9. Amendments and Validity XRPayNet Global Limited reserves the right to amend this disclaimer at any time. Any amendments will be effective immediately upon posting to the Company’s website or upon direct communication to the users, whichever occurs first. Continued use of the Company’s services following the posting of any amendments will constitute acceptance of those amendments. This disclaimer is valid from the date of its latest update and supersedes any prior versions.

10. Use of Third-Party Services (HyperPay and BitGo) XRPayNet Global Limited’s services, including the issuance of crypto debit cards, are facilitated through partnerships with third-party service providers, namely HyperPay and BitGo. These partnerships are governed by separate agreements and are subject to the terms and conditions of each respective service provider. The Company leverages the technological infrastructure and security solutions provided by BitGo and the payment processing services offered by HyperPay to deliver its services. However, it is important to note that HyperPay and BitGo operate independently of XRPayNet Global Limited, and the Company is not responsible for any actions, policies, or procedures of these third-party entities. Users are encouraged to review the terms and conditions, privacy policies, and other relevant documentation of HyperPay and BitGo to understand the nature of their services and how they interact with the Company’s offerings.

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