Last updated: May 2026

These Terms of Service (the “Terms”) govern access to and use of the software, website, mobile application, interfaces, support functions and related features made available through https://fintap.app/ and any associated Fintap application or interface (collectively, “Fintap”, the “Platform” or the “Services”). The Services are provided by G7 Company LLC, a company registered under the laws of Georgia (the “Company”, “we”, “us” or “our”).

Important role clarification. The Company does not itself provide regulated virtual asset, payment, money remittance, exchange, brokerage, custody, wallet custody, settlement or investment services. Any regulated virtual asset, payment, exchange, conversion, transfer, custody, KYC/KYB/KYT, Travel Rule, sanctions screening, transaction monitoring or settlement functionality made available through or in connection with the Platform is provided by independent authorised, registered or licensed third-party provider(s), under their own regulatory permissions, customer terms, compliance framework, fees and procedures.

Where the Platform includes non-custodial wallet software or related interface functionality, such functionality is provided as user-controlled software. The Company does not store, access, control, safeguard, administer, recover or transfer your private keys, seed phrase, wallet credentials or cryptoassets.

By accessing, registering for, or using any part of the Services, you confirm that you have read, understood and agree to be bound by these Terms. Do not use the Services if you do not accept these Terms. We do not provide individual financial, investment, legal, regulatory, accounting or tax advice.

1. Eligibility and right to use

To create an account or use the Services, you represent and warrant that:

• you are at least 18 years old and have legal capacity to enter into binding agreements;
• you are using the Services only for lawful purposes and in accordance with these Terms;
• you have not previously been suspended, excluded or restricted from using the Services;
• you are not located in, resident in, incorporated in, acting from, acting for, or otherwise connected with any jurisdiction, territory, person or entity that is subject to applicable sanctions, embargoes or provider restrictions;
• you are not listed on, owned or controlled by, acting for or otherwise associated with any person or entity on sanctions, terrorist financing, proliferation financing or similar restrictive lists, including lists applicable under Georgian law, United Nations sanctions and sanctions standards required by our providers, banks or payment partners;
• you will provide accurate, complete and up-to-date information requested for compliance, security, fraud prevention, tax, onboarding, provider due diligence or operational purposes.

We may refuse, suspend, restrict or terminate access to the Services if we cannot verify eligibility, if information is incomplete or inconsistent, if required by law or provider requirements, or if we consider the risk unacceptable.

2. Nature of the Services and non-VASP position

Fintap is a software, interface, referral, onboarding, technical integration and support platform. The Services may allow users to access, through independent third-party providers, certain regulated or risk-sensitive functions such as cryptoasset purchase or sale, fiat on-ramp/off-ramp, payment, checkout, conversion, settlement, identity verification, wallet screening, transaction monitoring or other provider-controlled services.

The Company's role is limited to non-regulated software/interface, commercial, technical, onboarding, support, information coordination and provider integration functions, unless and until the Company obtains all licences, registrations or authorisations required for any different activity.

The Company does not:

• exchange virtual assets for fiat currency or fiat currency for virtual assets;
• exchange one virtual asset for another virtual asset;
• transfer virtual assets on behalf of users, business customers or third parties;
• safeguard, custody, administer or control virtual assets, private keys, seed phrases, customer funds or third-party settlement funds;
• operate a virtual asset trading platform, order book, broker, dealer, investment service, payment service or money remittance service;
• receive, pool, convert, route or settle virtual assets or fiat funds on behalf of users; or
• hold itself out as a VASP, bank, payment service provider, money transmitter, custodian, exchange or investment firm.

Any description of crypto purchase, sale, exchange, deposit, withdrawal, checkout, payment, settlement or similar functionality in the Platform must be read as referring to services made available by independent third-party provider(s), not by the Company as a regulated provider.

3. Non-custodial wallet software and user responsibility

Where non-custodial wallet functionality is available, you are solely responsible for generating, storing, backing up and protecting your seed phrase, private keys, passwords, device credentials, recovery materials and any other means of wallet access. The Company cannot access, retrieve, reset, reconstruct, reverse, freeze or transfer assets from your wallet.

You are responsible for checking wallet addresses, network selection, destination details, transaction parameters, fees and smart contract permissions before confirming any transaction. Blockchain transactions may be irreversible.

4. Third-party providers and provider terms

The Platform may connect or redirect you to independent third-party providers, including payment providers, cryptoasset service providers, exchange or liquidity providers, KYC/KYB/KYT providers, blockchain analytics providers, sanctions screening providers, banks, custody or wallet infrastructure providers and other technical or compliance providers.

Third-party provider services are governed by the provider's own terms, privacy notices, risk disclosures, compliance requirements, fees, limits, eligibility rules, supported jurisdictions, supported assets, refund, reversal, suspension and complaints procedures. You must review and accept those documents where required. The Company may facilitate access, technical integration or information coordination, but does not control provider decisions, approvals, declines, delays, investigations, reversals, refunds, frozen/blocked transactions, onboarding outcomes or compliance actions.

Provider requirements may be stricter than these Terms. If a provider, bank, payment partner or compliance vendor imposes stricter requirements, the stricter requirement may apply to the relevant feature, transaction, business customer or user.

5. Compliance checks, KYC/KYB/KYT and monitoring

Access to certain Services or provider-controlled features may require identity verification, business verification, beneficial ownership checks, sanctions screening, PEP/adverse media screening, wallet screening, blockchain analytics, Travel Rule information, source of funds/source of wealth information, transaction monitoring or other compliance checks. These checks may be performed by the Company for its direct relationships, by third-party providers for provider-controlled services, or by both within their respective roles.

You agree to provide information and documents reasonably requested for compliance, security, fraud prevention, sanctions, AML/CTF, KYB/KYC/KYT, tax, provider onboarding or legal purposes. Failure to provide requested information, failed verification, suspicious activity, sanctions exposure, prohibited activity, provider instruction or unacceptable risk may result in refusal, suspension, restriction, termination, blocked transactions, provider notification or reporting to competent authorities where applicable.

6. Fees and commissions

Fees associated with third-party services, including exchange, execution, payment, fiat, network, withdrawal, refund, reversal or settlement fees, are generally determined by the relevant third-party provider or blockchain network. We may receive referral, revenue share, commission, service or technical integration fees from third-party providers. This does not make us the regulated provider of the underlying third-party service.

7. Prohibited and restricted activities

You must not use the Services, the Platform, any connected wallet or any provider-controlled feature for illegal, abusive, deceptive, high-risk or prohibited activity. Prohibited activity includes:

• money laundering, terrorist financing, proliferation financing, sanctions evasion, fraud, scams, phishing, ransomware, extortion, darknet activity, stolen funds, cybercrime or market manipulation;
• illegal goods or services, illegal weapons, illegal drugs, stolen goods, counterfeit goods, human trafficking, child exploitation or prohibited content;
• unlicensed financial services, unlicensed payment services, unlicensed money remittance, unlicensed investment or brokerage services, unlicensed gambling, pyramid schemes or deceptive investment products;
• use of mixers, tumblers, anonymity-enhancing services or wallets/platforms associated with illicit activity, where prohibited by law, provider policy or our risk controls;
• circumvention of sanctions, provider controls, geographic restrictions, transaction limits, wallet screening, KYC/KYB/KYT, security controls or account restrictions;
• any activity that misrepresents the Company as a VASP, payment processor, exchange, custodian, bank or money transmitter.

Restricted activities may require enhanced review or may be refused, including high-risk crypto businesses, high-risk gaming, adult content, high-dispute businesses, donation flows, cross-border remittance-like models, offshore structures, opaque ownership, high-risk jurisdictions and activities prohibited by any provider.

8. Suspension, refusal and termination

We may refuse, modify, suspend, restrict or terminate any Service, account, integration, provider flow, support channel or transaction-related feature at any time where required by law, where requested or required by a provider, bank, payment partner or competent authority, where we suspect prohibited activity, sanctions exposure, fraud, security risk, regulatory perimeter risk or breach of these Terms, or where continuing the relationship is inconsistent with our risk appetite.

If access is suspended or terminated, you must not attempt to circumvent the restriction by creating another account, using another device, wallet, IP address, intermediary or third party, or by providing false information.

9. Risk acknowledgment and no advice

Cryptoassets are volatile, high-risk and may lose some or all of their value. Blockchain transactions may be irreversible. Third-party providers may decline, delay, reverse, suspend, block or terminate services for compliance, fraud, legal, operational, liquidity or risk reasons. You use the Services and any third-party provider services at your own risk and based on your own independent judgement.

Nothing in the Services is investment, financial, legal, regulatory, accounting or tax advice, or an offer, solicitation or recommendation to buy, sell, hold, transfer or use any asset or service.

10. Intellectual property

Unless otherwise stated, the Company and its licensors own all rights, title and interests in and to the Platform and related content, software, interfaces, documentation, trademarks and materials. You may not copy, reproduce, modify, distribute, reverse engineer or create derivative works based on the Platform except as permitted by mandatory law or with our prior written consent.

11. No warranties

The Platform and Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all express or implied warranties, including business customerability, fitness for a particular purpose, non-infringement, uninterrupted availability, accuracy, performance and reliability. We do not guarantee any third-party provider service, blockchain network, execution price, liquidity, availability, account approval, transaction completion, payment outcome, refund, reversal or recovery of wallet access.

12. Limitation of liability

To the maximum extent permitted by applicable law, the Company, its affiliates, suppliers, providers and contractors are not liable for indirect, incidental, consequential, punitive, special or exemplary damages, loss of profits, loss of business, loss of data, loss of access credentials, loss of digital assets, loss of value, market movements, third-party provider failures, blockchain events, user error, compromised credentials, incorrect addresses, unsupported networks, sanctions/compliance restrictions or inability to access or use the Services.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

13. Changes to the Terms or Services

We may update these Terms or change, suspend, replace or discontinue any part of the Services to reflect legal, regulatory, provider, risk, product, operational or security changes. Changes take effect when posted on the Platform or otherwise notified where required. Continued use after the effective date means you accept the updated Terms to the extent permitted by law.

14. Governing law and disputes

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of Georgia, without regard to conflict-of-law rules. To the extent permitted by applicable law, disputes arising out of or in connection with these Terms or the Services are subject to the exclusive jurisdiction of the competent courts of Georgia. Nothing limits our right to seek injunctive, interim or protective relief in any competent jurisdiction.

15. Contact

Questions regarding these Terms may be submitted to support@fintap.app.