1. GENERAL CONDITIONS

1.1. Terms of Use govern your access to and use of www.aegisfintec.io (“Website”) and include that of any associated mobile applications (“Applications”). This access includes any analytics, content, services (incl. Digital Assets Wallet), functionality, and media offered by AEGIS Wallet, all of which are referred to herein also as “Products”.

1.2. Please read through these Terms of Use carefully before using any AEGIS Wallet Website, Applications and Products. By using AEGIS Wallet Website, Applications and Products or by clicking to agree or accept the Terms of Use outlined herein, you are agreeing to accept these binding Terms of Use. This also applies to our Privacy Policy, Cookies Policy, and KYC/AML policy and other related Policies. If you do not agree to these Terms of Use or Related Policies, you should not access or otherwise use the AEGIS Wallet Website, Applications and Products.

1.3. You should be aware that your country of residence may impose certain unique restrictions to the Products provided by AEGIS Wallet, and you are responsible for complying with rules and regulations as applicable to your activities with AEGIS Wallet. Use of the Website, Applications and Products is available to those who are 18 years old and above, or of legal age in their own country of residence and the user states, that his legal age comply with our and his country requirements.

1.4. The information available on our Website, Applications and Products is for general information purposes only. While we aim to provide accurate and useful information, we do not accept any responsibility for the use of this information, and we cannot warrant its accuracy or usefulness. Use of this information is carried out at your own risk, and we do not accept any liability from consequences users might incur from using the information, such as through loss of funds while selling, exchanging or other trading operations.

1.5. We reserve the right to update or change the format and content on our Website, Applications and Products without notifying users. This content and format are accepted “as is” and should be used at your own risk. The content on our Website and other Products may include content related to or provided by third parties. We do not accept responsibility for the information and views presented in third-party content. We are not liable to users or third-party content providers for the accuracy or nature of third-party content. The content on our Website and any other Products is not intended to be used as advice of any kind, nor is it intended to be used to inform or guide user selling, exchanging, and trading of the Digital Assets. We do not accept liability for any financial losses incurred while trading with AEGIS Wallet, or for damages of any kind incurred because of anyone using the AEGIS Wallet Website, Applications, Products in any way, including through relying on the information or tools offered by AEGIS Wallet. Trading and investing are at your own risk, and we offer no warranties or implied warranties to the fullest extent permitted by law.

1.6. We cannot and do not offer a guarantee that the content of the AEGIS Wallet Website, Applications and Products is free from viruses, malware, or other harmful software, and it is your responsibility to check for malware and viruses and implement appropriate IT security when using our Website, Applications or Products.

1.7. AEGIS Wallet may revise and update these Terms of Use at our sole discretion, and any changes made are effective immediately. You are expected to check this page from time to time to monitor for any changes, and any changes made will be binding to you and your use of AEGIS Wallet Website, Applications Products.

1.8. AEGIS Wallet reserves the right to make changes to the Website, or withdraw the Website, and to amend or withdraw any Applications and Products that we offer at our sole discretion. We do not guarantee that our AEGIS Wallet Website, Applications and Products will exist in perpetuity with uninterrupted service, and we will not be liable if our AEGIS Wallet Website, Applications and Products becomes unavailable for any period or at any time.

1.9. In order to access the Website, you may need to provide registration details, documents, or other information. It is your responsibility to ensure that all this information is valid, current, and correct. Your use of our Website is conditional on you providing correct information and adhering to our Terms of Use and Privacy Policy.

2. SCOPE OF SERVICE

2.1. AEGIS Wallet client can use the Website, Application, Products to:
• open an Client account, herein referred to as the “Account” or “Client Account”, and use the Products (e.g. Wallet) provided by AEGIS Wallet;
• buy, sell, and exchange digital assets for other digital assets;
• store Digital Assets with a respective third-party service provider;
• perform financial operations using the account such as making transactions;
• transfer Digital Assets to other AEGIS Wallet users or third-parties.

2.2. Your use of AEGIS Wallet is subject to local laws and regulations, and you are responsible for complying with these laws and regulations. The users have non-exclusive, personal, non-transferable, non-sublicensable and limited rights to use AEGIS Wallet Website any other Products in accordance with the Terms of Use.

3. PROVISION OF SERVICES

3.1. Client has to open an Account with AEGIS Wallet to use the Services and other Products provided.

3.2. AEGIS Wallet has the right to approve or reject applications based on internal policies, and we are not obliged to disclose the reasons for our decision regarding an application.

3.3. Client will provide all the information and documents needed to open an account. We may request additional information after the account has been opened and approved, and the Client must provide this information to keep using the Account.

3.4. In case of change of information and/or documents the Client must inform AEGIS Wallet immediately. We may withhold or stop access to the Services and the Account if a Client refuses to provide additional information when asked.

3.5. Fiat currency limits are set at the sole discretion of AEGIS Wallet and are subject to change. The client must inform us at once if they do not agree to these changes and continued use of our Services means the Client accepts the changes.

3.6. Client acknowledges and accepts that any losses incurred from losing access to AEGIS Wallet Services is not the responsibility of the AEGIS Wallet, and that the AEGIS Wallet is not liable for these losses.

4. SELLING AND EXCHANGE OF THE DIGITAL ASSETS

NOTE: Exchange operations with Digital Assets involve a high degree of risk. Values of Digital Assets are subject to fluctuation and there is a significant time lag between placement of your exchange Order and delivery of Digital Assets to your Account.

4.1. The terms “sale” or “transaction” herein refer to the sale and transaction of Digital assets for fiat currency or vice versa unless stated otherwise.

4.2. To sell or exchange Digital Assets for fiat currency, the Client must indicate the type of Digital currency and the relevant amount. The price will be determined at the moment the Client has entered the request to purchase Digital Currency. AEGIS Wallet will then display the sale price, the amount of commissions, and other fees applicable to the transaction. The Client will have the option of executing the transaction based on this displayed price or choosing not to execute. Executing the transaction will authorize the AEGIS Wallet to charge commissions and fees from the Client’s account, and if there is an insufficient amount of fiat currency to pay these fees and commissions, the transaction will not go through.

4.3. The same principles in the above section also apply to the exchange and trade of Digital Assets.

4.4. Limitations. Limitations may be applied by us on either a single sell or exchange transaction, or on a daily sell volume per Account. Client must meet this limitation when applying to sell or exchange transactions, otherwise the transaction will not be executed. Client must check the limits for their own Account to learn this information.

4.5. Confirmation. At minimum, 1 blockchain confirmation is required on a transaction that doesn’t exceed 4BTC, and 6 transactions are required on larger amounts.

4.6. Payout. To initiate the payout after a sale or exchange to the Account or Digital Assets wallet, we need to receive the minimum required number of confirmations for your transaction. The payouts are normally settled within 24 – 72 hours on working days from the time the transaction is complete. If AEGIS Wallet cannot transfer fiat currencies to the Account for reasons which depend on the client, we have the right to exchange fiat currencies to digital currencies and hold them until further instruction from the client.

4.7. AEGIS Wallet Fees and Processing. By accepting the terms and agreements listed here, the client agrees to pay AEGIS Wallet a fee for each completed transaction. Blockchain fees will be automatically calculated in accordance with the actual and required fees for processing blockchain transactions and it’s not charged by AEGIS Wallet. The blockchain fee is the cost of processing the transaction by external “miners” who charge a fee to validate the transaction on the blockchain. The AEGIS Wallet may choose not to authorize wire transfers for customers whose accounts have not passed through the necessary identification and authentication checks. Our fees are subject to change without notice, and Client is obliged to pay these fees when charged. Client acknowledges and agrees with AEGIS Wallet Fees and that AEGIS Wallet may withdraw funds of any amount from the Client Account to cover such fees.

4.8. If AEGIS Wallet suspects fraud on the part of any Client, we may freeze or close the Client Account and reverse payouts. We also reserve the right to contact law enforcement agencies, financial regulators, and private companies regarding any suspected fraud. AEGIS Wallet is not liable for any fraud or illegal activity carried out by Client, including credit card fraud, and may use third-party companies to process payments and provide other services as we see fraud or otherwise unlawful activity to employ collection services to recover payments.

5. PURCHASE OF THE DIGITAL ASSETS

5.1. Request. After the client initiates a transaction to purchase Digital Assets, a request is sent to AEGIS Wallet indicating the type and amount of Digital Assets to be purchased.

5.2. Execution. The transaction is executed successfully when the client has received to his Account the respective Digital Asset they intended to purchase.

5.3. Transfer. It may take 24-72 hours to receive Digital Assets in Account after purchase. We may inform client via email when Digital Assets have been transferred.

6. REFUND POLICY

6.1. AEGIS Wallet bears no liability or responsibility for losses incurred by the inappropriate, incorrect, illegal, or unauthorized use of our services. We will not cover losses or provide refunds in such cases.

6.2. Blockchain transactions are permanent and irreversible. It is not possible to cancel or modify a blockchain transaction after it has been made, including during the phase that the transaction is pending. It is the Client’s responsibility to ensure that the details of such transactions are correct.

6.3. Refunds may only be authorized in cases where funds were, due to unforeseen errors or technical issues, not credited to the Client Account as appropriate after the client has bought or sold digital assets. Refunds will be authorized at the discretion of AEGIS Wallet and funds will be returned to the client in the same manner and to the same address, debit card, or account through which they were deposited.

6.4. AEGIS Wallet reserves the right to suspend Client’s account and lock Client’s Funds during the chargeback investigation procedure. . Transfer. It may take 24-72 hours to receive Digital Assets in Account after purchase. We may inform client via email when Digital Assets have been transferred.

7. CANCELLATION POLICY

7.1. Pending and completed buys, sells, exchanges, deposits, and withdrawals on Client Account cannot be cancelled or reversed by the Client. It is not possible to alter, reverse, or cancel transactions made on blockchain networks, and users should ensure that they have entered the correct addresses and amounts when transferring digital assets.

7.2. AEGIS Wallet processes all digital asset transactions according to the instructions and information provided by the client and does not guarantee the identity of any recipient. User acknowledges that he is responsible for ensuring the accuracy of any instructions or information submitted to AEGIS Wallet and that any errors may result in the irreversible loss of his stored digital asset.

7.3. AEGIS Wallet does not accept liability or responsibility for any funds lost due to errors made by the client when entering this information. It is possible to permanently lose or destroy certain digital assets by sending them to an incompatible address.

8. TERMINATION

8.1. Either AEGIS Wallet or our client can terminate the relationship between us at any time and with no reason given, provided there are no outstanding settlements or pending transactions. When transactions are still pending, termination will come into effect when the party initiating the termination receives written acknowledgement from the other party that the relationship is terminated, and this acknowledgement does not affect previous transactions or rights in place before termination.

8.2. Client will not be entitled to a remedy or alternative for discontinued services, except for the withdrawal of existing funds.

8.3. AEGIS Wallet can terminate client access to the Website, Application and Products at the sole discretion of the AEGIS Wallet.

8.4. Among other reasons not listed, AEGIS Wallet may also suspend or terminate your account for any or all the following reasons:
• Unlawful or unauthorized attempt to access the Website, Applications and Products
• Breach of security features limiting use access to or protecting content
• violations of this Terms of Use;

AEGIS Wallet reserves the right to change, suspend, or discontinue all or any part or aspect of the services at any time without notice to the client or Website visitors.

9. WARRANTIES & ACKNOWLEDGMENT

9.1. Client (and/ or representative of the Client, when the Client is a legal person) states the following:

9.1.1. Client is legally an adult and has read and understood these Terms of Use, and has full capacity to enter into these Terms of Use and use Services lawfully;

9.1.2. Client adheres to relevant legal regulations and rules based on their country of residence;

9.1.3. Client is solely responsible for lawful handling of taxation as outlined in applicable tax regulations;

9.1.4. Client is authorized to use AEGIS Wallet and is doing so personally;

9.1.5. Client maintains information such as personal data, financial details, and information regarding their activities on AEGIS Wallet confidential;

9.1.6. Client ensures a level of security appropriate to the risk in respect of the personal data and securing authorization credentials;

9.1.7. The data the client provides when registering for AEGIS Wallet is accurate, complete and current; the client provides the necessary banking information required by AEGIS Wallet, such as name and account details. This also applies to electronic payment service provider information;

9.1.8. The client agrees to provide the details of a Digital Assets Wallet for the purpose of a Digital Assets return;

9.1.9. The client only uses specific addresses for Digital Assets provided by AEGIS Wallet when sending Digital Assets intended for sale

9.1.10. The client is aware that funds held on the Client account are not considered as a deposit, and that AEGIS Wallet services are not associated with banking or financial institution services which require a specific license.

10. THE CLIENT ACKNOWLEDGES THE FOLLOWING

10.1. The client is responsible for any losses related to the sale, purchase, or exchange of Digital Assets.

10.2. There are risks inherent to the trade of Digital Assets such as market volatility, liquidity risk, and others. The client is solely responsible for all legal risks associated with these services.

10.3. The client is responsible for any losses related to the sale, purchase, or exchange of Digital Assets.

10.4. AEGIS Wallet is not liable for technical delays on the AEGIS Wallet Website, Applications and Products we offer, whether these delays affect price or other aspects of service.

10.5. The time it takes to transfer Digital Assets is subject to market conditions and the mining fee attached to the transaction.

10.6. In the event of unauthorized use of services, AEGIS Wallet neither bears any responsibility nor covers any losses.

10.7. Client must provide accurate information when completing information requests to avoid delays and mistakes in processing transactions and payouts. This includes ensuring that spelling is correct.

10.8. AEGIS Wallet can change Terms of Use without notice and client is expected to monitor the Terms of Use for changes.

11. INTELLECTUAL PROPERTY

11.1. Business name. AEGIS Wallet logo, name, and related logos, names, slogans, designs, and media are the intellectual property of AEGIS Wallet or affiliates. Unauthorized use is not allowed. None of the contents of the AEGIS Wallet Website, Applications and Products grant license or rights to use these media in any way without express written permission upon application.

1111.2. Intellectual Property Rights. Use of our Website, Services and the Products is permitted for your personal, non- commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Website and any other Products. Exceptions can be made in cases where:

1111.3. Do not:
• Alter materials on the website;
• Make unauthorized copies of materials on the website;
• Delete or make changes to any copyright materials created by AEGIS Wallet;
• Access or use the website for commercial or unauthorized purposes;

1111.4. Breaking any of the terms outlined regarding IP will immediately revoke your right to use the Website and any other Products associated. You must cease all action regarding unauthorized use of IP at once upon realizing the breach of Terms of Services and destroy or return any copies of materials as instructed by AEGIS Wallet. Breach of these Terms of Use may violate copyright, trademark and other laws.

12. PROHIBITED USE

12.1. The Website, Services and any other Products can only be used for lawful purposes.

12.2. Do not use the Website and any other Products in such a way that violates local or international laws or regulations, including any laws regarding the export of data or software.

12.3. Do not use the Website and any other Products for the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.

12.4. Do not use the Website and any other Products to send or receive or otherwise handle materials l which do not comply with these Terms of Use.

12.5. Do not use the Website and any other Products to send advertising or promotional material without our prior written consent.

12.6. Do not use the Website and any other Products to impersonate AEGIS Wallet staff or any other party that you do not represent.

12.7. Do not use the Website and any other Products to attempt to harm AEGIS Wallet users or otherwise restrict or inhibit anyone’s use or enjoyment of the Website and any other Products.

12.8. Do not use the Website and any other Products to republish, redistribute or re-transmit any data from any of our communications, analytics, and other Products without our permission;

12.9. Do not use the Website and any other Products for copy or store any of our Products other than for your own personal non-commercial use. Unauthorized or commercial use is forbidden.

12.10. Do not use the Website, Applications and Products to store or host any Products (including pages of a Website) on a server or other storage device connected to a network or create a database by systematically downloading and storing any data from the Website or the Product;

12.11. Do not use the Website and any other Products to remove or change any content of any Product or attempt to circumvent security or interfere with the proper working of the Product or any servers on which it is hosted;

12.12. Do not create links to the Website from any other website without our prior written consent unless you are the webmaster of the other site and you are aware that the link is not misleading, fairly indicates the destination, contains no statement implying a AEGIS Wallet endorsement, and links only to the AEGIS Wallet website. Do not replicate AEGIS Wallet IP as a Meta tag. This is permitted only in the event that the website does not contain unlawful, threatening, libelous, pornographic, or offensive content.

12.13. Do not use automated means to access the website for any reason.

12.14. Do not create any financial product or service based on our products or services.

12.15. Do not attempt to interfere with the proper working of the website.

12.16. Do not use the Products or Website in any way not expressly permitted by these Terms of Use of the Website and any other Products must be carried out in a lawful manner and not in such a way that could damage our reputation or those of our affiliates or partners.

12.17. Any permissions or rights given to you under these Terms of Use will terminate immediately in the event that you breach or fail to comply with any of these Terms of Use.

13. USER INFORMATION

Any information we collect is subject to our Privacy Policy. When you use the Website, Services and any other Products you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

14. ACCURACY OF WEB CONTENT

Content may be updated occasionally, but this does not imply that the content is always up to date or complete. Material on our AEGIS Wallet Website, Applications and Products may be out of date, and we are not obligated or required to update it.

15. CONFIDENTIAL INFORMATION

When you use or access the Website, Services or any Products, data may be transmitted over an open network in such a way that communications could be intercepted by third parties. This is not our responsibility or liability and we cannot guarantee the confidentiality or security of any communication or data transmitted to us through the Website.

16. LINKS FOR THE WEBSITE

If AEGIS Wallet Website, Applications and Products contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to any Website, you do so entirely at your own risk and subject to the terms and conditions of use for such website. We reserve the right to withdraw linking permission without notice.

17. THIRD PARTY SERVICE

Third party vendors and partners may use the AEGIS Wallet Website, Applications and Products, and may contribute to the production and development of both. Some of these third parties may require users to comply with additional terms and conditions. This page identifies third- party terms and conditions that are required by such third-party vendors and business partners as they apply to the features set forth below, and these conditions are subject to change at the third party’s discretion.

18. DISCLAIMER OF WARRANTIES

18.1. As stated earlier, we cannot guarantee that the Website, Applications and Products will be free from malware, viruses, or harmful code, and your IT security is your responsibility. We are not liable for losses or costs caused by a distributed denial-of-service attack or other technologically harmful material that may infect your computer systems or equipment, or data or other other proprietary material due to your use of the website. Your use of the Website is at your own risk, and its content is provided on an “as is” basis with no warranties (implied or otherwise).

18.2. Neither the AEGIS Wallet nor any person associated with the AEGIS Wallet makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Products.

18.3. We cannot guarantee, nor can anyone associated with AEGIS Wallet, that any of the content or services will be accurate, reliable, free of errors, uninterrupted, or in service in perpetuity.

18.4. AEGIS Wallet disclaims warranties of any kind, including express, limited, and statutory warranties to the fullest extent permitted by law.

19. LIMITATION ON LIABILITY

19.1. Neither the AEGIS Wallet nor its affiliates, service providers, employees, associates, licensors, officers, or directors will be held liable for damages arising from the use or inability to use our AEGIS Wallet Website, Applications and Products, or any associated sites or products. This includes, but is not limited to, loss of revenue, personal injury, emotional injury or distress, loss of goodwill, reputational damage, loss of profits, breach of contract, and loss of anticipated earnings.

19.2. The AEGIS Wallet will not be liable for any loss or damage arising from any use of your account by you or by any third party, including unauthorized use and cyber-attacks.

20. INDEMNIFICATION

You agree to defend, indemnify and hold harmless the AEGIS Wallet, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of any Website, Services or any other Products, including, but not limited to, any use of any Website’s content, services and products other than as expressly authorized in these Terms of Use or your use of any information obtained from AEGIS Wallet.

21. MISCELLANEOUS

21.1. These Terms of Use are binding for both us and client. The client may not assign any of their rights or obligations outlined under these Terms of Use to a third party unless authorized to do so in writing by AEGIS Wallet.

21.2. The client accepts that we may transfer and/or assign rights and obligations listed in these Terms of Use at the sole discretion of AEGIS Wallet.

21.3. If any of the provisions in these Terms of Use are deemed illegal, invalid, or unenforceable, we will enforce the provision only to the extent that this is legally possible, and this does not impact the legality or enforceability, or validity of any other agreements outlined in the Terms of Use.

21.4. Where a discrepancy between various translations occurs, the English translation of the Terms of Use shall be taken to be the prevailing version.

21.5. All section titles in these Terms of Use exist to allow you to navigate it more easily and are solely for your convenience. The section titles do not have any legal or contractual significance.