TERMS OF SERVICE

These Terms of Service ("Terms") govern your access to and use of the websites, applications, and online services operated by or on behalf of the Zori brand (the "Zori Group"). The Zori Group currently consists of Charon Digital Ltd, and may include additional legal entities in the future. Any reference to "Zori", "we", "us", or "our" in these Terms shall mean the specific member of the Zori Group that is providing the Services to you at the relevant time.

By accessing or using any part of our website or services (collectively, the "Services"), you agree to be bound by these Terms. If you do not agree, you must not use the Services.

The Services consist of the facilitation of conversions between fiat currencies and digital assets, and between digital assets and fiat currencies, supporting multiple currencies. We may update, modify, suspend, or discontinue any part of the Services at any time, with or without notice.

At this stage, we do not warrant or represent that any part of the Services constitutes regulated financial, money transmission, exchange, investment, or payment services in any particular jurisdiction. You remain solely responsible for determining whether your use of the Services is permitted under the laws that apply to you.

You represent and warrant that all funds and digital assets you use in connection with the Services are legitimately owned by you and derived from lawful sources. We accept fiat transfers only to and from bank accounts held in your own name; third-party payments, collections, or transfers on behalf of any other person are strictly prohibited. Where we are unable to verify the source of funds, or where a transaction involves an account not held in your name, we may reject, reverse, or freeze the transaction, withhold the relevant funds or assets, and report the matter to the relevant authorities, in each case to the extent permitted or required by applicable law.

You acknowledge that the exchange rate between fiat currencies and digital assets is highly volatile. Any rate displayed to you at the time you place an order is indicative only. The actual rate applied to a transaction is the prevailing market rate at the time the relevant funds or assets are received and the conversion is executed. You acknowledge and accept the risk of slippage, and we are not liable for any difference between the indicative rate and the executed rate, or for any loss arising from delays in network confirmation, bank processing, or third-party settlement.

Applicable fees will be disclosed within the Services before you confirm a transaction. We reserve the right to modify our fee structure with reasonable advance notice. Except as required by applicable law or expressly stated, fees are non-refundable.

The Services rely on third-party providers, including our identity verification provider, Sumsub (operated by Sum and Substance Ltd. and its affiliated companies), which assists with KYC, AML screening, and liveness/biometric checks during onboarding. When you register or complete verification, certain personal information (including identification details, documentation, and biometric data) will be transferred to such providers so that they can perform verification services. Your use of such third-party services may be subject to their own terms and privacy notices, and is further described in our Privacy Policy. You access any third-party services at your own risk.

All content and information made available through the Services is provided for general information only and does not constitute any form of investment, financial, legal, tax, or other professional advice. You are solely responsible for evaluating any information and for making your own decisions. We do not guarantee that the Services or any information provided will achieve any particular result, outcome, or return.

Using internet-based services and dealing with digital assets involves significant risks, including but not limited to market volatility, exchange-rate fluctuation, liquidity constraints, technological failures, cybersecurity incidents, and regulatory changes. You acknowledge that you use the Services at your own risk and that you may incur losses. You should carefully consider whether your financial situation and risk tolerance are suitable for any activity you undertake in connection with the Services.

All content, trademarks, logos, and other materials displayed on or provided through the Services are owned by us or our licensors and are protected by intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use. You must not copy, modify, distribute, sell, lease, or create derivative works based on the Services or any part thereof, unless expressly permitted by us in writing.

The Services are provided on an "as is" and "as available" basis, without any warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Services will be uninterrupted, secure, or free from errors, viruses, or other harmful components, or that any defects will be corrected.

To the maximum extent permitted by applicable law, in no event shall Zori, its affiliates, directors, officers, employees, or agents be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of profits, loss of data, or loss of business opportunities, arising out of or in connection with your use of or inability to use the Services, whether based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. To the extent permitted by applicable law, our total aggregate liability arising out of or relating to the Services under this Agreement shall not exceed the total fees paid by you in the preceding 12 months.

We may suspend, restrict, or terminate your access to the Services at any time, including where: (a) you breach these Terms; (b) we suspect fraudulent, unlawful, or improper activity; or (c) we are required to do so by a regulatory, legal, or compliance obligation. Upon termination, the provisions of these Terms that by their nature should survive (including Sections 5, 6, 12, 13, and 15) will continue to apply.

We may amend these Terms from time to time. When we do, we will update the "Last Updated" date at the top of these Terms and may provide additional notice as appropriate. Your continued use of the Services after the effective date of any amendments constitutes your acceptance of the updated Terms. If you do not agree to the amended Terms, you must stop using the Services.

These Terms and any dispute arising out of or relating to them or the Services shall be governed by and construed in accordance with the laws of British Virgin Islands, without regard to its conflict-of-laws rules.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall be submitted to the exclusive jurisdiction of the courts of British Virgin Islands.