General terms and conditions for Bit2Me services

VERSION: July 2026

Version 2026.1 — effective from 17/07/2026

LEGAL INFORMATION

BITCOINFORME, S.L. (hereinafter Bit2Me), with registered address at Calle Germán Bernacer, 69, 03203, Elche, Alicante, SPAIN and with N.I.F. (tax identification number) B-54835301, registered in the Mercantile Register of Alicante, volume 3828, folio 110, Entry 1 with Sheet A-143230, is the owner of the website: https://bit2me.com/ and the APP (iOS/Android) through which Bit2Me's applications and services are accessed.

TABLE OF CONTENTS

• LEGAL INFORMATION
• 1. GENERAL OVERVIEW
• 2. REQUIREMENTS TO BECOME A USER
• 3. SERVICES PROVIDED BY BIT2ME
• 4. EFFECTIVE DATE OF THE GENERAL TERMS AND CONDITIONS
• 5. PRIVACY POLICY
• 6. AMENDMENT OF THE GENERAL TERMS AND CONDITIONS
• 7. MINORS
• 8. INFORMATION ON CRYPTO-ASSETS
• 9. INFORMATION AND DOCUMENTATION REQUIREMENTS
• 10. ECONOMIC AND TEMPORAL LIMITS ON OPERATIONS
• 11. PRICE OF SERVICES
• 12. CONTRACT DURATION
• 13. BIT2ME SERVICES
  • 13.1. GENERAL ISSUES
  • 13.2. CRYPTO-ASSET CUSTODY SERVICE AND WALLET LIMITATIONS
  • 13.3. SERVICES FOR FIAT CURRENCY TRANSACTIONS
  • 13.4. CRYPTO-ASSET EXCHANGE SERVICES
  • 13.5. BUY/SELL SERVICES
  • 13.6. WITHDRAWAL SERVICES
  • 13.7. REFERRAL PROGRAM
  • 13.8. BIT2ME PRO
  • 13.9. CRYPTO-ASSET TRANSFER SERVICE: BIT2ME PAY
  • 13.10. SPECIFICITIES OF CRYPTO-ASSET CUSTODY AND TRANSFER SERVICES
  • 13.11 BIT2ME SAVE / RECURRING PURCHASES
  • 13.12 SPACE CENTER
  • 13.13 ACADEMY SERVICE
  • 13.14 BIT2ME EARN
  • 13.15 BIT2ME LOAN
  • 13.16 BIT2ME CARD
  • 13.17 BIT2ME TAX
  • 13.18 BIT2ME COMMERCE
  • 13.19. APPLICATION PROGRAMMING INTERFACES
  • 13.20. OTC
  • 13.21. ADDITIONAL INFORMATION
  • 13.22. PAYMENT SERVICES AND REFERENCE TO THE FRAMEWORK AGREEMENT
• 14. OBLIGATIONS, RESPONSIBILITIES AND RISKS
• 15. ASSIGNMENT AND SUBROGATION BIT2ME
• 16. MAINTENANCE AND TEMPORARY SUSPENSION OF SERVICE ON THE BIT2ME PLATFORM
• 17. INACTIVE ACCOUNTS
• 18. SET-OFF CLAUSE
• 19. TERMINATION AND RESOLUTION
• 20. INVALIDITY OF ANY PROVISION
• 20.bis. RELATIONSHIP BETWEEN CONTRACTUAL DOCUMENTS AND PRIORITY
• 21. DATA PROTECTION
• 22. PREVENTION OF MONEY LAUNDERING
• 23. CUSTOMER SERVICE AND COMPLAINTS
• 24. INVOICING
• 25. INTELLECTUAL AND INDUSTRIAL PROPERTY
• 26. SECURITY SYSTEMS
• 27. APPLICABLE LAW AND COMPETENT JURISDICTION

GENERAL OVERVIEW

These GENERAL TERMS AND CONDITIONS, the Legal Notice, the Privacy Policy, the Cookie Policy, and any other specific conditions published on this website for the provision of services by Bit2Me, are applicable to any person with legal capacity who contracts Bit2Me's services through the website, the App (iOS/Android) or its electronic wallet platform (hereinafter, the Platform).

Bitcoinforme, S.L. is the Company responsible for the website https://Bit2Me.com, for the Platform located on said domain and for the APP, as well as their content, with its main activity being to provide various services related to crypto-assets (hereinafter crypto-assets) through the Platform.

These GENERAL TERMS AND CONDITIONS must be accepted by the user to use Bit2Me Platform services that require prior acceptance through the website https://Bit2Me.com or through the Application for Android and iOS Smartphones and Tablets located on Google Play, App Store (hereinafter, Platform or Application or APP).

Failure to accept these GENERAL TERMS AND CONDITIONS during the registration process for contracting Bit2Me services prevents the use of Bit2Me Platform services.

By expressly accepting these GENERAL TERMS AND CONDITIONS, the user understands that they have fully accepted them and, therefore, has previously read and understood each and every one of the terms, undertaking to comply with all specifications established therein.

REQUIREMENTS TO BECOME A USER

Individuals of legal age with full capacity to contract, who subscribe to these GENERAL TERMS AND CONDITIONS (hereinafter, "the user"), and who have their tax residence and/or are subject to the jurisdiction of the territories listed at the URL: https://bit2me.com/es/global, may become Users.

In cases where the user accesses the platform on behalf of a legal entity, the user accepts and declares that they have sufficient powers of representation to bind the legal entity or company they represent to the contracting of services. In such cases, if the user accesses the Bit2Me Platform or registers as a Legal Entity, Company or Professional, any service request made by the user will be attributable to the Legal Entity, and Bit2Me will presume that they have been made by the latter.

Becoming a User implies reading and express and unreserved acceptance of the terms contained in these GENERAL TERMS AND CONDITIONS and Bit2Me Platform's Legal Notice and Privacy Policy, which the user declares to have known prior to acceptance, and which may be stored and reproduced by them. Registration as a user of the Bit2Me Platform is an essential requirement for contracting Bit2Me Platform services.

The user can access Bit2Me Platform services using their email and password, which will be generated during the registration process at the time of subscribing to these GENERAL TERMS AND CONDITIONS.

The user's email and password generated are their access credentials that will allow the user to identify themselves and use Bit2Me Platform services; they are strictly personal and confidential. The user will be responsible for maintaining their confidentiality. Consequently, the user expressly accepts that Bit2Me will presume that the uses of the service made using their identification keys are made by the registered user, unless the user has previously communicated the loss or theft of said keys, in which case they must immediately proceed to change them. The password may be freely modified by the user, through the procedures established by Bit2Me for this purpose. The replaced password will be nullified as a means of identification at the same moment the new one is generated.

Bit2Me may block access to and use of Bit2Me Platform services when deemed necessary for security reasons.

Bit2Me will adopt organizational and technical measures on its computer equipment aimed at achieving adequate use of the Service by Users and preventing unauthorized access whose purpose is to make unauthorized disclosures of the User's financial information accessible through the Service.

SERVICES PROVIDED BY BIT2ME

Bit2Me is authorized by the National Securities Market Commission as a crypto-asset service provider in accordance with Regulation (EU) 2023/1114 (hereinafter "MiCA"), by resolution of July 28, 2025, for the provision of the services listed in this clause, namely:

• Custody and administration of crypto-assets on behalf of clients (“Custody”);
• Exchange of crypto-assets for funds or other crypto-assets (“Exchange”);
• Execution of orders related to crypto-assets on behalf of clients (“Execution”);
• Reception and transmission of orders related to crypto-assets on behalf of clients (“RTO”);
• Transfer of crypto-assets on behalf of clients (“Transfer”).

These services are offered through various products that Bit2Me makes available to users, as defined below.

Additionally, BITCOINFORME, S.L. is registered in the Register of Entities of the Bank of Spain as a payment institution (BE code 6947), with the authorized activity of executing transfers, including standing orders. The provision of payment services is not governed by these GENERAL TERMS AND CONDITIONS, but by the Payment Services Framework Agreement referred to in clause 13.22, and is supervised by the Bank of Spain.

Furthermore, Bit2Me offers products related to crypto-asset services that are currently neither regulated nor supervised. Unregulated services are all those offered on Bit2Me that have not been explicitly mentioned in the previous paragraph. Unregulated and unsupervised services and products present greater risks and do not offer guarantees, as described below.

In these Terms and Conditions, we will refer to Services collectively as both MiCA-regulated services and those currently not supervised by authorities. If a distinction needs to be made, it will be explicitly indicated.

In any case, Bit2Me will be responsible for the correct provision of services through the Platform. The user undertakes to use the Platform responsibly, exempting Bit2Me from any liability arising from improper, erroneous, or illegal use of the Platform or with the aim of committing illegal actions.

EFFECTIVE DATE OF THE GENERAL TERMS AND CONDITIONS

The GENERAL TERMS AND CONDITIONS will come into force and, therefore, will be applicable to Bit2Me and the user, from the moment the following conditions are met: The user has given their consent by clicking the "I have read and accept the GENERAL TERMS AND CONDITIONS" button enabled on the Platform or in the Application.

Notwithstanding the foregoing, and in compliance with Article 28 of Law 34/2002 of July 11, on Information Society Services and Electronic Commerce (LSSI), within a maximum period of twenty-four hours from the effective date of the GENERAL TERMS AND CONDITIONS, Bit2Me will confirm the acceptance of these GENERAL TERMS AND CONDITIONS by confirming the entry into force of the contract.

PRIVACY POLICY

Bit2Me's website Privacy Policy must be accepted jointly with these GENERAL TERMS AND CONDITIONS. The information you provide to Bit2Me is absolutely necessary and its purpose is to provide you with the necessary services so that you, through the Platform, can carry out the services provided by Bit2Me. The required data will be processed in accordance with applicable data protection legislation. The Privacy Policy is accessible at the following link https://Bit2Me.com/legal/privacy.

AMENDMENT OF THE GENERAL TERMS AND CONDITIONS

Bit2Me reserves the right to modify these GENERAL TERMS AND CONDITIONS at any time. Significant changes and modifications may be consulted at https://Bit2Me.com.

For these purposes, when a modification of these GENERAL TERMS AND CONDITIONS occurs, users will be notified through the usual communication channels at least thirty (30) calendar days before their effective date. After this period, the user will be deemed to accept the new conditions. If not in agreement, the user will have the right to terminate the contract without cost before the effective date of the modification.

The provisions of this clause will not apply to the modification of the Payment Services Framework Agreement, which is governed by its own notice, communication, and acceptance regime, in accordance with the regulations governing payment services, nor to the modification of the specific conditions of each product, which is governed by their respective provisions.

MINORS

Minors may not use the services that Bit2Me provides through the website or Application, so any application for membership in Bit2Me from a person under eighteen (18) years of age will be denied.

INFORMATION ON CRYPTO-ASSETS

Crypto-asset transactions are carried out directly, without the need for an intermediary. Unlike most legal tender currencies, crypto-assets are not backed by any government or dependent on trust in a central issuer. Instead, they use other systems to prevent double spending and achieve consensus among all nodes that make up the network.

Every transaction made between network users is recorded and a digital signature is generated to prevent fraud and counterfeiting, remaining permanently stored on the network.

Crypto-asset transactions, verifiable through certain internet addresses, in principle, do not allow the identification of the Bit2Me user participating in a transaction; however, the user must be aware that the system cannot ensure absolute anonymity.

Given the complex encryption and security procedures, counterfeiting or theft of crypto-assets is highly unlikely, but there is a risk that procedures or software may fail. Payments and operations made by the user in crypto-assets are irreversible, and computer errors in legitimate crypto-asset payments are very low as the system performs checks to try to prevent them. Most payment errors are due to human error in entering incorrect data, so Bit2Me is not responsible for transfers made by users. Bit2Me may apply, in the case of errors attributable to the user, the fees or costs specified at https://Bit2Me.com/comisiones.

INFORMATION AND DOCUMENTATION REQUIREMENTS

Certain Bit2Me services do not require express acceptance of these GENERAL TERMS AND CONDITIONS, as they are free-access services or functions regulated in Bit2Me's website Legal Notice. Bit2Me users may use the free-access services made available to them from Bit2Me's website, as well as all individuals or legal entities who access the website.

To become a User for the provision of services offered by Bit2Me, it is necessary for users to register on the website or app and provide certain information required by Law 10/2010, of April 28, on the Prevention of Money Laundering and the Financing of Terrorism (hereinafter LPBC) for compliance with customer due diligence obligations.

Depending on the service and the economic thresholds of the operations to be carried out by the user, different levels of information will be requested, in order to allow services with more functionalities and higher economic thresholds in the operations that the end user wants to perform.

The information requested may include, among others, mobile phone number and transaction amount, full name, username and password, email address, security code sent to email or security code required for two-factor authentication, profession and date of birth, as well as other possible data or information necessary depending on the type of transaction selected by the user.

The type of user will also determine the information to be requested depending on whether it is an individual or a legal entity, requiring information such as, for example, national ID, residence card, foreign identity card or passport, invoices, video conference, deeds, shareholding structure, proof of business activity, etc., in application of the provisions of Law 10/2010, of April 28, on the prevention of money laundering and the financing of terrorism and other applicable legislation if deemed appropriate.

Bit2Me may at any time request additional information to learn more about the purpose and nature of the user's business relationship, and may even do so through a third party. The lack of information or the existence of indications of illicit acts in the data provided will allow Bit2Me to immediately unilaterally cancel the service contract that binds them.

 ECONOMIC AND TEMPORAL LIMITS ON OPERATIONS

Bit2Me users can find information regarding the limits of the services offered, as well as the price or usage fees, by accessing the Limits and Prices section of the website. (https://Bit2Me.com/comisiones).

 PRICE OF SERVICES

The service offered to the user through the Bit2Me Platform will incur fees and/or commissions (available for consultation in the commissions and limits section at the following URL: https://Bit2Me.com/comisiones), which will be communicated to the user in each transaction and will be stored in the user's transactional history in accordance with the LPBC for a period of ten (10) years.

The exchange rates applied are calculated in real time based on multiple variables, notably:

• Market supply.
• Market demand.
• Agreements with third-party partners.

These variables result in an optimal real-time exchange rate for each of the supported currencies, which will be applied in the representations and exchanges made.

The cost of Bit2Me's storage and withdrawal services is subject to agreements with third parties collaborating in the provision of such services, as well as the fees imposed by the banking or card entities used by the User.

In the event of a change in their terms of use, Bit2Me reserves the right to modify the GENERAL TERMS AND CONDITIONS, and may pass on these changes to its users.

For Bit2Me Pro services, Bit2Me charges a commission for each order executed in the Bit2Me Pro order book.

The user acknowledges and accepts that Bit2Me Pro commissions may occasionally fluctuate between different order books and, therefore, be updated. These revised commissions will apply to any order or transaction subsequent to the effective date of such updates. Likewise, the user understands and accepts that commissions will be deducted from their corresponding Bit2Me Wallet. Current Bit2Me Pro commissions are available at the following link.

Bit2Me applies volume discounts on commissions. You can consult the current discounts at the following link. The user accepts that these discounts are not guaranteed and that Bit2Me may modify or cancel them at any time, at its sole discretion.

Any service provided by Bit2Me under these GENERAL TERMS AND CONDITIONS to the user will include the addition of applicable taxes, fees, and duties according to current legislation. It is the user's sole responsibility to determine the applicability of taxes to their transactions made through Bit2Me, as well as to report and pay the correct amount to the competent tax authorities.

CONTRACT DURATION

This contract, with an initial duration of one year from its acceptance and signature, will automatically be extended for periods of equal duration indefinitely, unless one of the parties notifies the other of its wish not to extend it. The user has the right to request the termination of the contract at any time, although they may not terminate it until all their payment obligations with Bit2Me have been settled.

13. BIT2ME SERVICES

13.1. GENERAL ISSUES

13.1.1. Conditions and Restrictions

To access the services provided by Bit2Me, it will be necessary to be a user in accordance with clause two.

Likewise, by application of regulations on the Prevention of Money Laundering and Terrorist Financing, as well as to mitigate possible fraudulent actions or any other regulations applicable to Bit2Me's activity, Bit2Me may limit and/or restrict certain services to users in accordance with applicable regulations and internal policies.

Bit2Me may, at any time and at its sole discretion, reject any transaction submitted through the Services, impose limits on the amounts of transactions allowed through the Services, or impose any other condition or restriction on the use of the Services without prior notice within the framework of compliance with applicable regulations and internal policies.

13.1.2. Accuracy of information

The user must provide any required information when creating their account on the Platform or when requested by any screen displayed within the Services. The user declares and warrants that any information provided through the Services is accurate and complete.

13.1.3. Cancellations

The user can only cancel an initiated order or service request if such cancellation occurs before Bit2Me executes the transaction. Once their order or request has been executed, they cannot change, withdraw or cancel their authorization for Bit2Me to perform such transaction or provide such service. If an order or service request has been partially completed, they can cancel the remaining uncompleted portion unless the order is related to a market operation.

Bit2Me reserves the right to reject any cancellation request associated with a market order once it has submitted such order. Unlike scheduled buy and sell orders, and immediate exchanges and buy/sells, all exchanges are irreversible once initiated. While we may, at our sole discretion, reverse an operation under certain extraordinary conditions, a client has no right to a reversal of an operation.

13.1.4. Insufficient Funds

In the event that the User does not have sufficient funds in their Bit2Me Account to complete an order or service request, Bit2Me may choose to cancel the order in its entirety or execute a partial order using the funds available in the Bit2Me Account, after deducting the fees owed to Bit2Me in relation to the operation.

13.1.5. Taxes

The user is responsible for determining which taxes, if any, apply to the operations they carry out through the Services, and it is their responsibility to report and remit the correct tax to the corresponding tax authority. The user accepts that Bit2Me is not responsible for determining whether taxes apply to their operations or for collecting, reporting, withholding, or remitting taxes arising from any operation, unless Spanish regulations indicate otherwise.

13.1.6. Supported Currencies

The Platform or Application supports the main crypto-assets in the market, in addition to some of the main legal tender or fiat currencies (FIAT). Currently, the only legal tender currency accepted by Bit2Me is the euro.

13.1.7. Prohibition of Market Abuse

Any market manipulation is strictly prohibited. This includes, but is not limited to, the following practices:

• Spoofing: Placing orders with the intention of canceling them to mislead the market.
• Wash Trading: Executing trades with oneself to simulate activity or influence prices.
• Front-running: Using privileged information about pending orders.
• Dissemination of false information: Spreading misleading data to manipulate prices.

The Platform will monitor activity and reserves the right to take measures, such as suspension, account closure or reporting to authorities, in case of detecting abusive practices.

Bit2Me users operating on Bit2Me Pro are also prohibited from entering orders that result in self-execution, where the same user acts as both the Order Maker and Order Taker for the same transaction. Such orders will be rejected. In situations where two orders of different volumes coincide in a self-execution, the smaller quantity order will be canceled. The larger volume order will be reduced by an amount equivalent to the canceled order, and the remainder of the larger order will remain active.

13.2. CRYPTO-ASSET CUSTODY SERVICE AND WALLET LIMITATIONS

The user will have the possibility to store crypto-assets in their Bit2Me Accounts or Wallets. This storage will be carried out for those crypto-assets supported by Bit2Me, through the crypto-asset custody and administration service on behalf of clients, a service regulated by MiCA and supervised by the competent authorities. This functionality will only be available for those crypto-assets that allow such storage capacity.

For this, the user must send the crypto-assets to the address provided by Bit2Me. The user must only send crypto-assets of the type indicated by Bit2Me for the address used.

Bit2Me is not responsible if the user does not send the correct crypto-asset to Bit2Me's storage addresses. The User can consult their position and transaction history at any time through the Platform and the position statements provided in clause 13.2.3. Given the custody structure described in clause 13.2.1, the User will not be able to identify or verify their individual position by consulting a block explorer, where the custodied crypto-assets are not individualized in the name of each client.

Bit2Me ensures the provision of necessary resources, whenever possible, reasonable, and technologically feasible, for the exercise of any inherent right to the crypto-assets under custody. Likewise, the user will be notified of any security right or encumbrance, provided that we have access to such information.

However, as indicated in these terms and conditions, in cases where any change occurs in the underlying distributed ledger technology or any other right that may lead to the creation or modification of rights regarding their custodied crypto-assets, Bit2Me does not guarantee access to such new crypto-assets or associated rights.

To fulfill our customer protection objectives, Bit2Me has established a custody policy that details the measures implemented to minimize the risks associated with this service. Users are advised to review Bit2Me's Custody and Safeguarding Policy. In it, they will find detailed information on how we protect their crypto-assets and access methods, as well as our security systems.

Bit2Me reserves the right to limit the operation of certain crypto-assets due to technical limitations. Such limitations will be indicated in the wallet corresponding to the affected crypto-asset.

Bit2Me continuously strives to increase the number of compatible crypto-assets and to ensure that all supported crypto-assets have full functionality.

13.2.1. Custody structure and use of global (omnibus) accounts

The User expressly acknowledges and accepts that the crypto-assets they hold under Bit2Me's custody and administration service are not deposited in an individual address or wallet of their exclusive ownership, but are custodied in an aggregated manner, along with the crypto-assets of other clients, in addresses, wallets or accounts owned by Bit2Me or its sub-custodians, called global, aggregated or omnibus accounts.

The use of this structure implies the following:

• Segregation from Bit2Me's assets. Clients' crypto-assets are always kept separate from Bit2Me's own crypto-assets and those of its group entities. Bit2Me does not use, dispose of, lend, pledge, or re-use for its own account the crypto-assets custodied on behalf of clients, except with the express instruction of the User within the framework of a different and specifically contracted service.
• Individualized position record. Bit2Me maintains an internal, updated, and reconciled record of the open positions in each client's name and the rights corresponding to each over the custodied crypto-assets. The User's ownership and the exact amount of their position are determined in all cases by said internal record, and not by inspection of the blockchain.
• Absence of individualization on the network. Consequently, the User will not be able to identify an address exclusively attributable to their crypto-assets on a block explorer, nor verify their position by means other than the record and position statements provided by Bit2Me.
• Associated risks. The User acknowledges that custody in global accounts entails specific risks that would not occur in individualized custody, particularly: (i) that an operational error, a security incident, a sub-custodian failure, or an account shortfall in the global account may simultaneously affect the position of several clients; (ii) that, in such a case, and without prejudice to Bit2Me's liability in accordance with clause 14 and applicable regulations, the loss may have to be distributed pro rata among the affected clients; and (iii) that the accreditation of their right, particularly in a scenario of Bit2Me's or a sub-custodian's insolvency, depends on the internal record and its reconciliation.
• Protection in case of insolvency. Crypto-assets custodied on behalf of clients do not form part of Bit2Me's assets for the purposes of a possible insolvency proceeding and are not liable for Bit2Me's debts to third parties, with the User having the rights recognized by applicable regulations over the crypto-assets registered in their name.

13.2.2. Express consent

Acceptance of these GENERAL TERMS AND CONDITIONS implies the User's express, informed, and specific consent for their crypto-assets and funds to be held in custody under the global or omnibus account modality described in clauses 13.2.1 and 13.3.1.bis, with the implications and risks detailed therein, recognizing it as an essential element of the contract. Bit2Me does not currently offer an individualized custody modality per client; a User who does not wish this modality must refrain from using the service, being able to terminate the contract at any time and without cost in accordance with clause 19.

13.2.3. Position statements.

Upon user request, Bit2Me will send an electronic position report that will include a breakdown of the custodied crypto-assets, corresponding balances, and the history of completed transactions during that interval, without prejudice to the user's right to permanently consult their balances through the website and the Application.

13.3. SERVICES FOR FIAT CURRENCY TRANSACTIONS

13.3.1. Deposit of fiat funds into Bit2Me

To deposit FIAT funds into Bit2Me and make payments, the User has three options: (i) use euros already available in their Wallet; (ii) pay by card; or (iii) make a bank transfer.

Bit2Me may request verification of ownership of the external account or card used for euro transfers. Bit2Me assumes no responsibility for fees or commissions from the user's external account, nor for its management or security. The user is solely responsible for the use of their external account and agrees to comply with the applicable terms and conditions thereof. The processing time for euro transactions depends partly on the performance of third parties responsible for the external account, and Bit2Me does not guarantee specific deadlines for these transactions.

It is important for the user to know that Bit2Me does not generate interest on funds deposited in any of its modalities. Neither are stored funds nor those derived from the buying and selling of crypto-assets remunerated.

The user acknowledges that Bit2Me will not authorize any crypto-asset purchase operation until the receipt of euro funds has been verified.

13.3.1.bis — Safeguarding of legal tender funds

The euro funds that the User holds in their Bit2Me account do not constitute a bank deposit, are not covered by the Deposit Guarantee Fund, and do not accrue interest or any type of remuneration in favor of the User.

The User expressly acknowledges and accepts that such funds are held in one or more accounts opened in Bit2Me's name at credit institutions or authorized entities, identified to the depositary institution as client fund accounts, in which the User's funds are held in aggregate with those of other clients and kept separate in all cases from Bit2Me's own funds. Bit2Me does not use client funds on its own behalf or as a source of financing for its activity.

The amount corresponding to the User is determined by Bit2Me's internal record, which maintains periodic reconciliation procedures between the aggregated balance of client fund accounts and the sum of individual registered balances.

When funds are received within the framework of providing a payment service, their protection regime will be as provided in the regulations governing payment services and in the Payment Services Framework Agreement.

13.3.2. Users resident in Brazil

In order to provide these services and offer secure transactions to users residing in Brazil, crypto-asset purchase transactions can only occur if the User has FIAT currency in their Wallet for placing crypto-asset Purchase Orders. The deposit of funds (FIAT currency) into their Wallet can be made by the User via the Brazilian instant payment system - PIX (up to R$ 5,000.00 per transaction).

For users residing in Brazil, Bit2Me only offers the Brazilian instant payment method - PIX. The entry of funds (money) into the Bit2Me account will be processed through SafetyPay.

SafetyPay is one of America's leading online banking payment providers and is a real-time online payment solution. PIX is an instant payment system implemented by the Central Bank of Brazil (BCB), whose objective is to facilitate and speed up payments and transfers between accounts.

The amount contributed to the Bit2Me account will be considered available when the payment clearance is effectively identified in Bit2Me's bank account. In the case of transfers via PIX, delays may occur due to the large volume of simultaneous transactions.

13.3.3. Users resident in Argentina

To facilitate the purchase, sale, and storage of crypto-assets for users residing in Argentina, Bit2Me has implemented the necessary measures so that they can operate on its website and app. To ensure secure transactions, Argentinian pesos deposited by users will be converted to a stablecoin; without this conversion, it will not be possible to execute crypto-asset Purchase Orders.

The user may deposit funds into their Wallet via bank transfer, up to the limit established by the service provider. For users residing in Argentina, Bit2Me will process the entry of funds through CONEXIÓN DE ALTURA S.A., a company duly constituted in accordance with the laws of the Argentine Republic, registered on 22/06/2022 in the Register of Payment Service Providers under number 34.503. This provider aims to streamline payments between accounts, and through its service, the user can have the credited funds immediately available.

Therefore, the amount that the user deposits into the Bit2Me account will be converted to the crypto-asset deemed most suitable for the transaction. This amount will be available once CONEXIÓN DE ALTURA S.A. has identified and credited the payment. The conversion of Argentinian Pesos (ARS) to the stablecoin that Bit2Me deems appropriate for the conversion will be carried out according to the official exchange rate established by the Argentine Authorities at the time of the transaction. This official exchange rate is published daily at https://www.bcra.gob.ar/PublicacionesEstadisticas/Cotizaciones_por_fecha_2.asp and may be subject to change without prior notice.

Any user residing in Argentina who intends to create an account and operate on Bit2Me must accept these terms and conditions, Bit2Me's Privacy Policy (available at: https://bit2me.com/es/legal/privacidad) and CONEXIÓN DE ALTURA S.A.'s terms and conditions (available at: https://bit2me.com/es/legal/rampy).

As mentioned above, CONEXIÓN DE ALTURA S.A. is a payment service provider with registered office in Argentina, so all matters related to personal data protection, applicable jurisdiction, prevention of money laundering, financing of terrorism, and other applicable regulations in relation to the services provided by CONEXIÓN DE ALTURA S.A. will be governed by the laws in force in Argentina. For more information about the conditions of the service used by Bit2Me for the provision of crypto-asset purchase, sale, and custody services in Argentina, please go to: https://bit2me.com/es/legal/rampy.

13.4. CRYPTO-ASSET EXCHANGE SERVICES

The Wallet service allows the User to carry out exchanges between the various crypto-assets they hold in their wallets. The user must specify the amount and/or quantity of the crypto-asset they wish to exchange, as well as the crypto-asset they wish to receive. The crypto-asset resulting from the exchange will be reflected in the corresponding destination wallet. The exchange service will be facilitated through the different buy/sell modalities: Execution, RTO or Exchange.

13.5. BUY/SELL SERVICES

13.5.1 Buy/Sell Service Modalities

Bit2Me facilitates the buying and selling of crypto-assets through execution, exchange, and RTO services (services regulated by MiCA and supervised by competent authorities). It is important to note that, depending on the modality of the buy/sell service, Bit2Me has certain information obligations towards the client.

Specifically, buy/sell services will be provided in accordance with the following:

• Execution: when we are members of crypto-asset trading platforms, we will execute orders in accordance with our Best Execution and Intermediary Selection Policy.
• RTO: when we are not members of a trading platform for the type of crypto-asset the Client requests to buy or sell or do not have an agreement with a third party to execute their buy or sell order, we will transmit the order to a broker for execution on a trading platform or through a third party. In these cases, although we are not subject to best execution, as it will be the selected broker who will execute the order, we will process Client orders in accordance with our Best Execution and Intermediary Selection Policy and ensure prompt and adequate transmission of the order.
• Exchange: This service will be provided whenever the operation does not exceed €20 in value and is not included in the OTC service. In such cases, Bit2Me will determine the crypto-asset price, which will be available for acceptance for 10 seconds before the order. The User is recommended to consult our Pricing Policy for more details.

Bit2Me may execute buy/sell orders outside of trading platforms. The User understands and authorizes Bit2Me to execute their buy/sell orders outside a trading platform.

Bit2Me will not be obliged to adopt best execution measures when processing crypto-asset orders on behalf of clients, provided that such orders are executed following specific instructions provided by the clients themselves.

13.5.2. Purchase of Crypto-assets

Bit2Me facilitates the acquisition of crypto-assets through any of the three service modalities described in clause 13.5.1. A purchase is defined as the exchange between fiat currency (euros) and crypto-assets.

For this purpose, the User may use any of the payment methods accepted by Bit2Me for the acquisition of crypto-assets by the user, which are detailed in clause 13.3.1.

13.5.3. Sale of Crypto-assets

Bit2Me allows the sale of crypto-assets through any of the three service modalities described in clause 13.5.1. A sale is defined as the exchange of crypto-assets for their equivalent value in FIAT currency (euros).

To do this, the user must deposit the desired crypto-asset and proceed to exchange said crypto-assets for a legal tender currency (euros) supported by Bit2Me.

13.6. WITHDRAWAL SERVICES

13.6.1. Withdrawal by Euro Transfer

The user must provide the details of their external bank account to which they wish to receive FIAT funds (euros) and verify the informational summary of the operation before confirming the transfer order.

In those exceptional cases where FIAT funds (euros) are withdrawn to an external bank account whose ownership does not match that of the User, prior approval from Bit2Me will be required. In such circumstances, the user will assume full responsibility for the transfer made to the recipient, releasing Bit2Me from any liability arising from any illicit act committed with such action.

13.6.2. Withdrawal with crypto-assets

The user may make withdrawals from their Bit2Me account using the crypto-assets supported on Bit2Me. This will only be permitted for crypto-assets that support withdrawal functionality.

To do this, the user must initiate the withdrawal by entering the destination address of the desired crypto-asset. The user must exclusively send crypto-assets of the type that the destination address is enabled to receive. The withdrawal will be formalized through the crypto-asset transfer service regulated by MiCA. Consequently, Bit2Me must comply with the information obligations of the originator and the beneficiary, in accordance with the European regulation on information to accompany crypto-asset transfers.

The user accepts that Bit2Me may charge certain costs for such withdrawals based on what is strictly necessary, e.g., miner costs, exchanges, etc.

The user accepts that Bit2Me may apply withdrawal fees, limited to covering essential operational costs such as, for example, mining or exchange fees.

Bit2Me disclaims all responsibility in case the destination address indicated by the user in the withdrawal form is incorrect or if the user cannot manage the private key that authorizes them to operate with the received crypto-assets.

For security reasons, crypto-asset withdrawals may be manually reviewed by the Bit2Me team, and will be sent to the blockchain network after such review. This process will be carried out in the minimum time strictly necessary.

13.6.3. Users resident in Brazil

Users residing in Brazil must indicate the bank account details to which they wish to receive the fiat currency, as well as other personal data requested by Bit2Me to carry out the transaction and check the informative summary of the operation before placing the order to send Reais to their bank account. If the user wishes the transfer to be made through the PIX instant payment system, they must inform their PIX Key.

Fund withdrawals (fiat currency) from the Bit2Me account to the user's bank account will be processed through FacilitaPay (CNPJ: 10.789.035/0001-05). FacilitaPay operates in a regulated manner and in accordance with the rules governing the Brazilian Payment System (SPB); the Foreign Exchange Market; and Payment Methods. FacilitaPay is legally constituted and regulated as an eFX provider, according to Central Bank Circular 3691/13, amended after the publication of BCB Resolution No. 148/21; as an International Payment Facilitator and as a Correspondent Bank (BCB Resolution No. 3.954/2011).

In exceptional cases where FIAT currency withdrawals are made to an external bank account whose ownership does not match that of the user, it must be previously approved by Bit2Me. In this case, the user will be fully responsible for sending money to the recipient, assuming responsibility for any crime committed with such action and exempting Bit2Me from any responsibility.

13.6.4. Users resident in Argentina

Users residing in Argentina must indicate the bank account details to which they wish to receive the fiat currency, as well as other personal data requested by Bit2Me to carry out the transaction and check the informative summary of the operation before placing the order to send Argentinian Pesos to their bank account.

Fund withdrawals (fiat currency) from the Bit2Me account to the user's bank account will be processed through CONEXIÓN DE ALTURA S.A., a company duly constituted in accordance with the laws of the Argentine Republic, registered on 22/06/2022 in the Register of Payment Service Providers under number 34.503.

In exceptional cases where FIAT currency withdrawals are made to an external bank account whose ownership does not match that of the user, it must be previously approved by Bit2Me. In this case, the user will be fully responsible for sending money to the recipient, assuming responsibility for any crime committed with such action and exempting Bit2Me from any responsibility.

13.7. REFERRAL PROGRAM

This is a program that incentivizes individuals who refer Bit2Me services to family and friends. The incentive consists of obtaining benefits derived from Bit2Me's crypto-asset buying and selling services.

The proportion of the net profit will be determined based on the user's level at the time of inviting third parties, with levels increasing as greater profits are generated. The incentive table detailing potential earnings by level can be consulted at the following link: https://support.bit2me.com/support/solutions/articles/35000170358.

The invitation must be made through a referral link. Referral links are obtained by logging in as a registered user to the Referrals section in their user account control panel.

To be a beneficiary of the referral program, it is an essential requirement that the referred person registers on the Bit2Me website through the provided link and makes the minimum initial deposit stipulated in the terms of the referral program.

It is recommended to verify the correct distribution of the referral link and ensure that referred individuals access through said link in a browsing session that allows cookies, avoiding any alteration of links shared through social networks, Whatsapp or Telegram.

For the registration and accounting of referred individuals in the corresponding panel, it is imperative to follow the process detailed in the following link: Why isn't a referral appearing in my panel?.

Bit2Me does not perform manual referrals between user accounts.

The user has a control panel to monitor the evolution of perceived incentives, which are calculated in euros. Once these incentives reach the minimum amount stipulated in the terms of the referral program, the user may request a withdrawal to their Bit2Me wallet. There is also an annual reward limitation.

The user's participation in the Referral Program additionally requires the acceptance of the specific conditions of said service, available at the following link.

The User's participation in the referral program does not grant them, under any circumstances, authorization to act on behalf or representation of Bit2Me, nor to use any element of Bit2Me's industrial and intellectual property without prior express consent.

13.8. BIT2ME PRO

Bit2Me Pro is an advanced interface for buying and selling cryptocurrencies.

Bit2Me Pro includes the same buy/sell Services, although most operations are carried out through the Execution or RTO service, which are MiCA-regulated and authority-supervised services. An "order" is created when users enter instructions into the Bit2Me Platform for the inclusion of buy or sell orders.

Bit2Me Pro is not a trading platform, meaning it is not a market or a multilateral trading system. Once the user places a buy or sell order on Bit2Me Pro, Bit2Me collects the order and executes it in the market of which it is a member or broker for that operation, guaranteeing best execution. Bit2Me Pro does not match client buy/sell orders; there is no interaction between multiple buy/sell interests on Bit2Me Pro. Bit2Me Pro stands out for its ability to process transactions with superior performance, through a sophisticated environment.

13.8.1. General Issues of Bit2Me Pro

Authorization and requirements

In addition to the general conditions accepted by the user on Bit2Me, the user acknowledges that when submitting an order, they authorize Bit2Me to execute a transaction in accordance with that order and to charge the corresponding commissions or fees. Likewise, the user accepts that to use Bit2Me Pro, Bit2Me may require the user to obtain a higher level of verification and/or demonstrate their knowledge and experience to use the tool.

Relationship of independence

The user acknowledges and accepts that: (i) Bit2Me Pro is an interface for advanced users and its use requires a high level of understanding; (ii) Bit2Me does not act as their agent, intermediary, agent or advisor and (iii) no communication or information provided by Bit2Me will be considered or interpreted as advice of any kind.

Fund Transfer

To operate on Bit2Me Pro, it is essential that the user transfers funds, whether Crypto-assets or fiat currency, from their main Bit2Me wallet to the wallet specifically designated for Bit2Me Pro. It is important to note that all internal transfers within the Bit2Me ecosystem will be completely free for the user and will be executed instantly, allowing immediate availability of funds to begin operating in the Bit2Me Pro environment.

13.8.2. Orders

Users may instruct the purchase or sale of a defined amount of crypto-assets at a specific price in the quoted crypto-asset (order), provided they have sufficient positive balance in the Bit2Me Pro wallet to cover the total value of the order and applicable commissions. When placing an order, the specific amount of crypto-assets indicated will be reserved from the user's wallet. The types of Bit2Me Pro orders are detailed below:

• Market Order: An order to buy or sell at the best price currently available in the Order Book. It is executed immediately but without a guarantee of exact price.
• Limit Order: An order to buy or sell at a specific price or better. It does not guarantee execution if the crypto-asset does not reach that price.
• Stop-Limit Order: An order that converts into a Limit Order once the crypto-asset reaches a trigger price (Stop Price) specified by the User. It requires defining a Stop Price and a Limit Price.

The user is aware and acknowledges that the execution of a Stop Limit order cannot be guaranteed. The order placed will remain in the order book until the user cancels it or it is fully executed.

On Bit2Me Pro, orders are subject to minimum amounts, which are specified on the Bit2Me website and updated periodically. The user acknowledges and accepts that these minimum amounts may vary without prior notice and are not guaranteed.

13.9. CRYPTO-ASSET TRANSFER SERVICE: BIT2ME PAY

Bit2Me Pay is a crypto-asset transfer service on behalf of clients, regulated by Regulation (EU) 2023/1114 and supervised by the National Securities Market Commission. The service allows users to make immediate crypto-asset transfers between Wallets on the Bit2Me Platform. The service is exclusively carried out between users registered on Bit2Me and with crypto-assets custodied by Bit2Me.

Transfers are carried out free of charge, without commissions and/or additional fees, for both the sending/originating user and the recipient/beneficiary.

A maximum of 30 daily transfers can be made for a minimum crypto-asset countervalue in Euros of 0.25 Euro cents.

It does not constitute a payment service and is not subject to Royal Decree-Law 19/2018. Transfers of electronic money tokens (EMT) which, where applicable, Bit2Me executes in its capacity as a payment institution, are governed by the Payment Services Framework Agreement (clause 13.22) and not by this clause.

13.9.1. Process for initiating the transfer service:

The sending/originating user of the transfer must access the service through the Bit2Me website or app.

It is necessary to have a registered account on Bit2Me and have the corresponding Wallet with a positive balance of the crypto-asset to be transferred.

The amount to be transferred and the communication channel for notifying the recipient/beneficiary of the transfer must be selected. For this, the mobile phone number or email address of the recipient/beneficiary of the transfer must be entered.

If transferring to users of the Bit2Me platform, the recipient/beneficiary's email or mobile phone must match the one used by them on the Bit2Me platform; otherwise, the Platform will not recognize their registered account.

Transfers for amounts greater than the balance of the Wallet used by the sender/originator for the transfer will not be allowed.

The entered data can be reviewed before proceeding with the transfer.

Once the transfer is made, the crypto-asset amount will be blocked until the effective sending of the transfer occurs, and therefore the debit in the sender/originator's Wallet and the credit in the recipient/beneficiary's Wallet. Transfers do not need to be accepted by the beneficiary user.

13.9.2. Process for receiving the transfer service:

The recipient/beneficiary user of the transfer will receive a notification via the communication channel entered by the sender/originator with a link that will redirect the recipient/beneficiary to their account on the Bit2Me Platform.

Those recipients not registered on the Bit2Me Platform must register on the Bit2Me Platform, accepting these GENERAL TERMS AND CONDITIONS, as well as Bit2Me's Privacy Policy. To acquire user status, they must pass the processes established on the Platform related to the Prevention of Money Laundering, without which they will not be able to acquire user status on the Platform and, therefore, will not receive the amount transferred by the sender/originator.

In case of not having a Wallet for the crypto-asset, they must create the Wallet on the Bit2Me Platform to be able to receive the transfer made by the sender/originator. If within 7 days from when the transfer was sent, the recipient/originator has not created an account on Bit2Me, the transfer will be canceled.

Once the transfer is made, the crypto-asset will be debited from the sender/originator's Wallet and credited to the recipient/beneficiary's Wallet.

13.9.3. Data Protection

The sender/originator must provide personal data of the recipient/beneficiary to send the transfer notification. In accordance with data protection regulations, the sender/originator is responsible for and guarantees to Bit2Me that they have previously obtained the informed consent of said recipient/beneficiary of the transfer for the processing of their data in the terms described herein.

Bit2Me will process the personal data provided by the sender/originator on behalf and for the account of the sender/originator, not using them for any purpose other than the communication of the transfer made.

In those cases where personal data of third parties who have not acquired user status on the Bit2Me Platform are provided and the 7-day period established for the acceptance of the transfer by the recipient/beneficiary expires, Bit2Me will proceed to the immediate deletion of the personal data from its information systems, and no further processing of their personal data will be carried out thereafter.

13.10. SPECIFICITIES OF CRYPTO-ASSET CUSTODY AND TRANSFER SERVICES

The execution times for transfers may vary depending on the type of crypto-asset in question. Bit2Me will act with the utmost diligence to make the transfer as quickly as possible. The maximum transfer time will depend on:

• (a) The receipt of the information that must be provided;
• (b) The anti-money laundering and anti-terrorist financing checks that Bit2Me must carry out;
• (c) The actual execution time of the transfer on the corresponding DLT network.

In all cases, for the transfer to be executed, the User must provide the following minimum information:

• The name of the beneficiary;
• The distributed ledger (blockchain) address of the wallet to which they want to transfer the crypto-assets and the crypto-asset account number to which they want to transfer them, when such an account exists and is used to process operations;
• The crypto-asset account number to which they want to transfer the crypto-assets, in cases where a crypto-asset transfer has not been recorded on a network using distributed ledger technology or similar technology;
• The User's address, including the country;
• The official identification document number and the client identification number or, alternatively, the date and place of birth; and
• Where applicable, the current LEI or, failing that, any other equivalent official identifier of the recipient that is available.

If this data is not transmitted or not transmitted in full, no transmission can be made for legal reasons. It is also important that you enter the data correctly, as a transfer to a different blockchain address or a different blockchain can no longer be reversed and will result in irreversible loss.

In the case of a crypto-asset transfer to or from a self-hosted or self-custodied wallet, whose total amount exceeds the legally defined limit (1,000 euros), Bit2Me will additionally carry out a legally prescribed technical verification procedure to determine whether the wallet is owned or controlled by you.

Before transferring the crypto-assets:

• we will warn whether the crypto-asset transfer will be irreversible or sufficiently irreversible in case of probabilistic settlement, and when;
• we will inform you of any expenses you must bear for the crypto-asset transfer.

Additionally, after each transfer, Bit2Me will offer the User the following information:

• the names of the originator and the beneficiary;
• the distributed ledger address or crypto-asset account number of the originator and the beneficiary;
• a reference that allows the client to identify each crypto-asset transfer;
• the amount and type of crypto-assets transferred or received;
• the value date of the debit or credit of the crypto-asset transfer.
• the amount of any expenses, fees, or commissions related to the crypto-asset transfer and, where applicable, a breakdown of the amounts of such expenses.

Bit2Me must comply in all cases with the European Regulation on information accompanying crypto-asset transfers.

13.11 BIT2ME SAVE / RECURRING PURCHASES

This is a functionality offered to Bit2Me users to make periodic or recurring purchases of crypto-assets in exchange for fiat money automatically. The purchases are materialized through the MiCA-regulated services of Execution, Exchange, or RTO, as applicable.

Users can choose the crypto-assets they wish to buy, available as indicated in this link, the amount in euros they want to purchase, and how often they want to do so (once, daily, weekly, monthly, etc.). The euro payment method can be made through the card the user has added to their profile or via a bank transfer that the user will make for this purpose. On the date the user has chosen to make the crypto-asset purchase, Bit2Me will proceed to execute the operation at the market rate existing on that date and deposit the equivalent value of the crypto-assets obtained for the amount of euros selected in the initial order into the user's Crypto Wallet.

Once the user sets up a recurring purchase, they can cancel it at any time.

13.12 SPACE CENTER

Space Center is configured as a tiered system through which Bit2Me users and B2M Holders can obtain greater advantages and benefits across all Bit2Me Suite services and products in a simpler and more accessible way. Thus, it is one of the ways Bit2Me strives to compensate and thank loyal customers for their regular use of Bit2Me products and services through various benefits across all Bit2Me products. Furthermore, this system complements the utility of the Bit2Me token, B2M.

Within Space Center, users must complete missions to earn points and climb through different levels. The higher the user's level, the greater their advantages and benefits will be.

Once registered on Bit2Me, the user will automatically have access to Bit2Me's Space Center, where they will find the different functionalities it offers.

The purpose of this service is to grant users various benefits for using Bit2Me services. To do this, users must level up by earning points when completing missions periodically published in Bit2Me's Space Center.

The points and benefits obtained through the Space Center loyalty system are personal and non-transferable.

The user can check the benefits associated with the different Space Center levels at any time in their account profile on the Bit2Me website or app.

The user's participation in the Space Center system is regulated by the Specific Conditions of the system which are available at: https://bit2me.com/es/legal/space-center.

13.13 ACADEMY SERVICE

The Academy service is provided by Bit2Me whereby interested parties can access, free of charge, the content of the Website offered by Bit2Me through its Bit2Me Academy. This is an unregulated and unsupervised service by authorities.

For the provision of the LMS service, through which Bit2Me offers free online training courses, it will be essential for interested parties to acquire the status of Bit2Me User.

The acquisition of User status implies reading and express and unreserved acceptance of the terms contained in these Terms and Conditions, the Legal Notice, and the Privacy Policy of the Website, which the User declares to have known prior to their acceptance, and which may be stored and reproduced by them. Registration as a User is an essential requirement for the provision of the services listed on the Website.

To access the free online training courses offered by Bit2Me, Users must register. To register, the following data must be provided:

• Name
• Surname(s)
• Address
• Phone
• Email address
• CIF/DNI (optional)

Upon completion of the courses, Users will receive a Certificate of Completion as accreditation of their successful completion.

13.13.1. Responsibility.

The User is obliged to:

• Communicate to Bit2Me all necessary data for accessing and using services that require prior identification, which must be truthful, current, and accurate.
• Make appropriate use of the Services included on the website, always in accordance with the legal framework.
• Not carry out any activity that hinders or interferes with the operation of the Services included on the website.
• Respect the terms and conditions of use for service provision.

Bit2Me is obliged to attend with the utmost diligence to all inquiries that the User may make arising from the use of the services included on the Website. Likewise, it will be responsible for the correct provision of services through Bit2Me Academy.

13.13.2. Exclusions of liability.

The services offered through Bit2Me Academy comply with Spanish law. Bit2Me is exempt from any liability in case of improper use of Bit2Me Academy by the User.

Bit2Me will not assume any responsibility for damages or losses that may be suffered as a result of events that could not have been foreseen, or that, if foreseen, were unavoidable, either by chance or force majeure.

Bit2Me is not responsible for any failure, technical error, accident, breakdown, manipulation, service interruption, or any other incident that may arise in equipment or technical services external to Bit2Me whose use is necessary for the provision of the Service.

Bit2Me will not be liable in cases of unavailability of the Service due to force majeure or temporary suspension for technical reasons.

13.13.3. Links to content.

The inclusion of electronic links to this Website is prohibited unless Bit2Me's express authorization is obtained.

In the event that Bit2Me Academy contains links to third-party content, Bit2Me is not responsible for the content of these.

Bit2Me will remove any link as soon as it becomes aware by any means of the unlawfulness of its content or that third-party assets or rights are harmed by them.

13.13.4. Intellectual and industrial property.

Bit2Me Academy, its source code and the content it hosts are protected by national and international intellectual and industrial property laws. They may not be exploited, reproduced, distributed, modified, publicly communicated, assigned or transformed, unless expressly authorized in writing by the rights holders.

The design, images, signs, distinctive signs, trade name, trademarks, logos, and services, as well as the written and audiovisual content contained on this Website, are protected by Industrial Property Law.

Access to Bit2Me Academy does not grant Users any right or ownership over the intellectual or industrial property rights or the content it hosts. Users who access Bit2Me Academy may not copy, modify, distribute, transmit, reproduce, publish, assign or sell the aforementioned elements or create new products or services derived from the information obtained without express written authorization from Bit2Me.

Any alteration of the content or structure of Bit2Me Academy by the User is strictly prohibited.

Bit2Me reserves the right to take appropriate legal action against those who violate or infringe intellectual and industrial property rights.

13.13.5. Data protection.

In compliance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (GDPR), Organic Law 3/2018 of 5 December on Personal Data Protection and guarantee of digital rights (LOPDGDD) and any other applicable data protection regulations, Bit2Me informs you that the personal data provided will be processed and included in a common information database owned by BITCOINFORME, S.L. (hereinafter, Bit2Me), whose purpose is the management of the use of the services included on the website, your navigation through it and the processing of requests made by Users of the services offered through this Website, as well as the maintenance of commercial relationships in accordance with the legitimate interest of the Bit2Me Group companies (you can consult the list of companies at https://bit2me.com/es/legal/privacidad).

The personal data marked with an asterisk in the service request form are essential for the stated purpose.

The User guarantees that they are the owner of the personal data provided and that these are authentic. The User will be responsible for the consequences of providing false data. In case of variation in the data provided, both parties undertake to communicate it through the process enabled for this purpose in Bit2Me Academy.

Users are recognized their rights to access, rectification, erasure, restriction, objection and portability of their data for which Bit2Me is responsible. As long as the purpose of data processing exists or you have not expressly deleted your personal data from our common Database, we will continue to process your data, as they are necessary for processing and the User remains part of it. At any time, you can exercise your rights by sending a postal communication to Bit2Me at the address indicated above or via email to rgpd@bit2me.com, attaching a document that proves your identity and expressly indicating the right you wish to exercise.

Users are protected by the right to withdraw their consent for processing by Bit2Me. Likewise, we inform you that you may object to processing carried out based on legitimate interest for the maintenance of commercial relationships. Finally, they have the right to address their complaints derived from the processing of their personal data to the Spanish Data Protection Agency (www.agpd.es).

13.13.6. New functionalities and modification of service conditions

Bit2Me may add new functionalities to Bit2Me Academy. Should such implementation entail a modification of the Terms and Conditions of Use, it will be communicated to the User for their acceptance, through the website, by e-mail or any of the usual channels that Bit2Me uses for sending communications.

The User will have a period of fifteen days from the communication to express their disagreement with them through reliable communication to Bit2Me. The expiration of the aforementioned fifteen-day period without any objection being expressed will imply full acceptance of the new conditions.

Bit2Me reserves the right to incorporate all kinds of improvements and modifications to the Service, whether in terms of access to it or any other requirement or circumstance that it deems appropriate in each case.

13.14 BIT2ME EARN

The Bit2Me Earn service allows the user to obtain a reward on certain crypto-assets transferred to Devteam Ireland Ltd (a Bit2Me group company), and which will remain for informational purposes blocked in the user's Bit2Me Earn Wallet. In exchange for said transfer and blocking, the user will obtain a reward in the same crypto-asset transferred and blocked or in B2M Token according to the conditions chosen by the user.

Users who intend to use the Bit2Me Earn service must accept the specific Terms and Conditions within the Bit2Me website or app. They are also published on the Bit2Me website.

The Bit2Me Earn service is currently neither regulated nor supervised by any authority. Unregulated and unsupervised services and products present greater risks and offer no guarantees.

13.15 BIT2ME LOAN

Bit2Me Loan is a service whereby a user can obtain a loan in crypto-assets by providing collateral for custody.

This service is only available to Bit2Me clients through the signing of a specific loan agreement that can be accessed within the Bit2Me website and/or app. The loan conditions will be indicated at the time of the service request.

The Bit2Me Loan service is currently neither regulated nor supervised by any authority. Unregulated and unsupervised services and products present greater risks and offer no guarantees.

13.16 BIT2ME CARD

Bit2Me Card is a state-of-the-art Mastercard issued by Pecunia Cards EDE, SLU, available in both physical and virtual formats. The physical version features NFC technology. It boasts an exclusive design, authorized by Mastercard, and printed with high-quality inks.

The Bit2Me Card is subject to the uses outlined in Pecunpay's T&Cs and, according to them, can be used in stores worldwide, for online purchases, and to withdraw cash, provided that, in all three indicated use modalities, they operate with the Mastercard brand.

To use the card, the user will have to link it to the wallet of their crypto-asset funds in their Bit2Me account, or to the wallet of their crypto-asset funds in Bit2Me Earn specified in the list indicated in the previous section with which they wish to pay, so that Bit2Me proceeds with the conversion to Euros and the payment to the Third Party is made through the service contracted by the user with Pecunpay. The card only allows linking to the aforementioned crypto-asset wallets. The user will have to change the linked wallet configuration through the application by selecting the desired wallet. This action has no additional cost.

When using the Bit2Me Card, the linked crypto-assets in your wallet are converted to their euro price at that moment. By using the card, the user accepts this conversion regardless of their knowledge of the crypto-asset's price, and Bit2Me is in no way responsible for the volatility of the value of said crypto-asset.

Users who request the card must accept its Specific Terms and Conditions as well as Pecunia Cards EDE, SLU's own Terms and Conditions, both available for consultation on the Bit2Me website.

13.17 BIT2ME TAX

Bit2Me provides, through its Bit2Me Tax services, the possibility for all service users to ascertain the profits or losses derived from crypto-asset operations in order to declare them. Specifically, it offers the user a product, Tax, where profits or losses on the Bit2Me platform are automatically calculated and explained.

The User will obtain a downloadable report containing all information related to profits or losses derived from crypto-asset operations.

Users who intend to use the Bit2Me Tax service must accept the specific Terms and Conditions within the Bit2Me website or app. They are also published on the Bit2Me website.

To the maximum extent permitted by applicable law, we do not warrant, expressly disclaim, and you agree to waive, any and all other warranties of any kind, whether express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, title or non-infringement, or warranties arising from course of performance, course of dealing, or usage in trade. Without limiting the foregoing, we also do not represent or warrant that Bit2Me Tax, its features, calculations, and all materials or information derived therefrom (including, without limitation, any tax reports that may be generated, if any): (a) will be accurate, complete, reliable, current, error-free, or free of viruses or other harmful components; (b) will be of such quality to meet your specific individual needs at all times; and (c) constitute an accurate and reliable reflection of your actual tax obligations (if any). You also understand and agree that we will not be liable to you or anyone else for any error, delay, loss, or damage arising out of or in connection with: (a) any inaccuracy, defect, or omission in the crypto-asset pricing data, or in the accounting or calculation methodology applied in BT; and (b) any interruption, system downtime, error, or delay in data transmission or the processing of your data.

13.18 BIT2ME COMMERCE

Bit2Me Commerce is an online payment gateway designed to offer Merchants the possibility of receiving payments from their customers via crypto-assets. In this regard, Bit2Me Commerce is made available to companies and/or freelancers who have an e-commerce store and wish to facilitate purchases with crypto-assets for their end customers (hereinafter "End Customer").

In addition, Merchants, through Bit2Me Commerce, will be able to make withdrawals, exchanges and other crypto-asset operations thanks to a configurable interface that allows them to operate with virtual wallets in a personalized, secure and simple way.

The Merchant will be an individual or legal entity considered a merchant according to Article 1 of the Spanish Commercial Code or analogous regulation.

Merchant users who intend to contract the Bit2Me Commerce service must accept the specific Terms and Conditions. These are also published on the Bit2Me website.

13.19. APPLICATION PROGRAMMING INTERFACES

Bit2Me may provide access to specific information and data through APIs. The user may only use them in their original and unmodified state through the Bit2Me Client Account. Once the request for the creation of an API key is completed, you will receive an email with a confirmation link. Once you click on the email link, you will receive the API key, which will be shown only once. If you do not remember this API key in the future, you may need to create a new one.

The user knows and accepts that the scope and specific form of the APIs remain at Bit2Me's sole discretion, and that Bit2Me may modify or cease to use the APIs at its sole discretion at any time. Bit2Me may set limits on the number of API calls that can be made, at its sole discretion. If you exceed these limits or violate any other condition of these Bit2Me Pro Rules or T&Cs, Bit2Me may moderate your activity or stop offering you access to the APIs at its sole discretion.

You grant Bit2Me a worldwide, transferable, sublicensable, irrevocable, fully paid, royalty-free, and non-exclusive right and license in all your intellectual property rights to (i) use your name, image, or brand, including all your trademarks, logos (hereinafter, the “Logos”), etc., to the extent they are incorporated into your application and in connection with the maintenance, development, and promotion of our Bit2Me services, and to (ii) use, perform, publicly display, reproduce, distribute, facilitate, and import your application for the purpose of providing, maintaining, developing, and marketing Bit2Me's services and Systems. Upon termination or cessation of use of your API, and upon written request from you, we will use commercially reasonable efforts to remove reference to your application and any of your Logos from our Bit2Me Systems.

The trademarks and names of Bit2Me (hereinafter, the “Bit2Me Logos”), and all intellectual property rights therein are and will remain at all times the sole and exclusive property of Bit2Me, and will be protected by applicable laws and treaties. All rights not expressly granted herein are reserved.

It will be your sole responsibility to properly secure and keep your API keys secret. You accept full responsibility for any use of Bit2Me facilitated through the API keys or by any other application you may authorize (including any activity of yours or third parties with access to your account information, with or without authorization).

13.20. OTC

Bit2Me's Over-the-Counter (OTC) service consists of an Exchange modality that operates under its own specific Terms and Conditions (T&C). Access to this service is subject to the signing of an individualized contract between Bit2Me and the client.

This service is exclusively designed for clients who wish to carry out operations of a considerable volume, the exact amount of which will be specified and updated periodically at Bit2Me's discretion. Alternatively, Bit2Me reserves the right to offer access to this service to those users who, in its sole discretion, it considers their maintenance in the OTC service to be commercially beneficial for the company. This ensures that the OTC service is optimized for large operators or for those clients whose relationship with Bit2Me provides strategic value.

13.21. ADDITIONAL INFORMATION

To facilitate understanding of the use of the services provided, Bit2Me makes available to the user through its website https://support.Bit2Me.com/ a Knowledge Base that contains detailed additional information on registration, buying and selling processes, as well as other information related to the referral program or basic concepts about Crypto-assets and the Bit2Me Platform.

From the link indicated in the previous paragraph, the user can contact Bit2Me's Support service at any time to make any inquiries they deem appropriate by selecting the "NEW TICKET" option.

13.22. PAYMENT SERVICES AND REFERENCE TO THE FRAMEWORK AGREEMENT

When Bit2Me provides payment services to the User in its capacity as a payment institution registered in the Register of Entities of the Bank of Spain, these services shall be governed exclusively and primarily by Bit2Me's Payment Services Framework Agreement, and by Annexes I (Fees and Deadlines) and II (Customer Service Channels and Customer Service) that form part of it.

Contracting payment services requires separate, express, and prior acceptance of the Payment Services Framework Agreement, through the procedure enabled for this purpose on the website or the App. Acceptance of these GENERAL TERMS AND CONDITIONS does not imply the contracting of payment services or the acceptance of said Framework Agreement.

The User can contract payment services separately from the rest of Bit2Me's services. The fees and expenses corresponding to payment services are detailed separately in Annex I of the Framework Agreement.

These GENERAL TERMS AND CONDITIONS will apply to payment services only on a subsidiary basis and to matters not regulated by the Framework Agreement, particularly in matters of data protection, prevention of money laundering and terrorist financing, intellectual property, and access security. In case of contradiction, the Framework Agreement shall prevail, in accordance with clause 20.bis.

Electronic money tokens (EMTs) are crypto-assets referenced to an official currency, issued by a third-party issuer. The rights of the holder against the issuer, including the right of redemption, are governed by Regulation (EU) 2023/1114 and by the corresponding issuer's white paper and conditions, and not by these GENERAL TERMS AND CONDITIONS.

14. OBLIGATIONS, RESPONSIBILITIES AND RISKS

14.1. BIT2ME OBLIGATIONS

Bit2Me undertakes to:

• Address all user inquiries arising from the use of the services included on the website with the utmost diligence possible.
• Provide the service to the user in accordance with these GENERAL TERMS AND CONDITIONS.
• Keep the Bit2Me Platform operational 24 hours a day, except for temporary interruptions due to website maintenance, technical or computer problems such as internet outages caused by any reason, cyberattacks, and similar situations that temporarily make the provision of the service impossible. It will be restored as soon as the incidents are resolved.
• Notify any movement that Bit2Me may consider suspicious for purposes of compromising the security of the user's account, for subsequent analysis.

Bit2Me does not undertake to:

• Execute transactions intended to pass on crypto-assets to users from free distributions or AIRDROPS, nor from blockchain forks or FORKS. Bit2Me reserves the right to carry out this type of transaction as it deems appropriate and within the timeframes it considers.

14.2. USER OBLIGATIONS

The User undertakes to:

• Provide the information required in the forms in the cases indicated in the previous sections when selling crypto-assets.
• Confirm acceptance of these GENERAL TERMS AND CONDITIONS by clicking the "I have read and accept the GENERAL TERMS AND CONDITIONS" button.
• Communicate to Bit2Me all necessary data for accessing and using services that require prior identification, which must be truthful, current, and accurate.
• Adopt the necessary security measures, both personal and material, to maintain the confidentiality of relevant data provided by Bit2Me or its partners, as well as immediately notify Bit2Me of the loss, misplacement, theft, robbery, or illegitimate access on their behalf and/or its knowledge by third parties. The user expressly accepts that any use of the service made with their access credentials has been made by themselves.
• Make appropriate use of the Services included on the Bit2Me Platform, always in accordance with the legal framework.
• Not carry out any activity that hinders or interferes with the operation of the Services included on the Bit2Me Platform.
• Take responsibility for all operations made in their user account, exempting Bit2Me from any liability.

The user assures that they understand and have the necessary knowledge to use blockchain systems and services, and that they are fully aware of the risks associated with buying and selling crypto-assets and using the blockchain. Bit2Me will not be responsible for any loss of crypto-assets or traditional currencies, or situations that prevent access to them, that may result from any action or omission of the user.

14.3. INHERENT RISKS OF CRYPTO-ASSETS

The user declares to be aware of all risks involved in crypto-asset transactions and possession, including the partial or total loss of invested amounts, and therefore exonerates Bit2Me from any responsibility for the loss of their crypto-assets due to causes not attributable to Bit2Me.

The user accepts that the purchase/sale and other crypto-asset transactions may involve a high risk, due to price fluctuations that may lead to an increase or partial or total loss of the investment. The user acknowledges the risk involved in selling crypto-assets, and therefore Bit2Me will have no responsibility whatsoever for the losses or gains incurred by the user when selling their crypto-assets to Bit2Me.

Bit2Me does not offer any type of advice (tax, financial, economic, accounting, commercial, or of any other nature) to the user. Therefore, any decision made by the user is made personally, on their own initiative, and is not the result of any activity or promotional offer from Bit2Me.

Given that crypto-asset transactions are irreversible, the user must exercise extreme caution when making payments or providing a correct public wallet address. Bit2Me will not be responsible for any amount, whether in crypto-assets or fiat money, sent from the user's account.

Bit2Me assumes no responsibility for failures in the internet network, in the crypto-asset blockchains, banks, or for hacker attacks on software that result in the loss or disappearance of the user's crypto-assets.

The user acknowledges that there is no guarantee fund or compensation scheme applicable in case of crypto-asset loss. However, if Bit2Me were responsible for such loss due to fraud or gross negligence, our liability will be limited to the market value of the crypto-assets at the time the loss occurred.

Notwithstanding the foregoing, in cases where an error may occur during the crypto-asset buying and selling process, the user may contact Bit2Me's support service at http://support.Bit2Me.com.

14.4. LIMITATION OF BIT2ME'S LIABILITY

The user acknowledges and accepts that Bit2Me offers two types of services. Some are regulated by European and Spanish regulations, supervised by authorities such as the National Securities Market Commission (CNMV) or the Executive Service of the Commission for the Prevention of Money Laundering and Monetary Infringements (SEPBLAC), which provides protections and guarantees to the user. Other services are currently unregulated and, therefore, do not have the same protections.

Bit2Me will not assume responsibility for services that do not comply with the legislation of other countries, which users may access at their own risk.

Responsibility for any incident related to payment and receipt methods for legal tender currency will fall solely on the provider of such services. Any incidents in the operations of banking entities will be the exclusive responsibility of those entities.

Bit2Me is exempt from any liability in case of improper or unlawful use of the Bit2Me website or app by the user.

Bit2Me will not assume any responsibility for damages or losses that may be suffered as a result of events that could not have been foreseen, or that, if foreseen, were unavoidable, either by chance or force majeure.

Bit2Me is not responsible for any failure, technical error, accident, breakdown, manipulation, service interruption, or any other incident that may arise in equipment or technical services external to Bit2Me whose use is necessary for the provision of the Service.

Bit2Me will not be liable in cases of unavailability of the Service due to force majeure or temporary suspension for technical reasons.

Bit2Me assumes no responsibility for the improper use of the user's access credentials, unless the user has previously reported their loss, theft or misplacement, in which case the user must immediately proceed to change them through the procedures Bit2Me has established for this purpose. The replaced password will be canceled as a means of identification at the same time the new one is generated. The user expressly accepts that any use of the service made with their access credentials has been made by themselves.

Bit2Me assumes no responsibility for the loss of funds resulting from deception of users by third parties; for example, scams that request payments in crypto-assets for services never rendered.

Bit2Me prohibits the purchase of crypto-assets on Bit2Me for the payment of a ransom typically demanded by ransomware (such as Cryptolocker). If the user finds themselves in this situation, our team urges all users to contact the police and never make the payment.

The user will be responsible for any damages that they may have caused to third parties due to the data provided, including but not limited to, as a result of the following actions:

• Use of outdated, false, or inaccurate data.
• Use by third parties of the user's personal passwords.

15. BIT2ME ASSIGNMENT AND SUBROGATION

Bit2Me, if deemed necessary, may assign or subcontract contracts formalized with users to other entities to carry out the purpose of the contract as established in these GENERAL TERMS AND CONDITIONS.

When Bit2Me uses third parties for the custody of crypto-assets or client funds (sub-custody), it will select and supervise said third parties in accordance with its outsourcing policy, requiring them to meet segregation and security standards no lower than its own, and in all cases maintaining full responsibility to the User for the provision of the service. Sub-custody does not alter the contractual relationship between Bit2Me and the User or Bit2Me's obligations to the User. The list of current sub-custodians is published in the Custody and Safeguarding Policy.

16. MAINTENANCE AND TEMPORARY SUSPENSION OF SERVICE ON THE BIT2ME PLATFORM

Bit2Me will use all reasonable efforts to ensure that the user can access the services in accordance with these General Terms and Conditions. However, Bit2Me may temporarily suspend services for maintenance or updates, and will use all reasonable efforts to inform you about such Scheduled Maintenance. The user acknowledges that this may not be possible in emergency cases and accepts the risks associated with the fact that the user may not always be able to access, use or carry out transactions with the Bit2Me Account.

The service, therefore, may be temporarily interrupted by Bit2Me without prior notice for maintenance tasks that are necessary for the proper functioning of the Bit2Me Platform.

Likewise, failure by the Bit2Me user to comply with the obligations listed below will result in the temporary suspension of the service on the Bit2Me Platform until the user remedies the situation:

• Lack of additional information necessary for user identification, their operations, or the origin of their funds.
• Failure to accept possible updates to the GENERAL TERMS AND CONDITIONS or the Privacy Policy.

The suspension of service has the following consequences:

• Bit2Me will communicate its decision to temporarily suspend your activity on the Platform, indicating the reason for the suspension (unless there is a legal obligation not to do so), requiring the actions to be taken to regularize the situation.
• The user will not have access to the Platform during this period and therefore will not be able to perform any operations on it.
• This temporary suspension becomes permanent after THIRTY (30) days from the beginning of the temporary suspension, if the situation has not been regularized or updated with the necessary information to continue operating on the Bit2Me Platform. After these THIRTY (30) days without regularizing the situation and, in case of having a balance in any of their Wallet currencies, it will be blocked and will be considered an account with abandoned balance and/or storage, or what is the same "inactive account" with Bit2Me applying current legal regulations or, where appropriate, acting as ordered by the competent authorities.

17. INACTIVE ACCOUNTS

Bit2Me may declare an account inactive if it:

• Has not made transactions for a period of more than 12 months
• Has not logged into the account for a period exceeding 3 months
• Has not responded to requests and/or provided requested documentation within a period of 30 days.
• Is impossible to contact the client for a period longer than one year

If the Client is in one of the described situations, the account will be declared inactive, and Bit2Me may take the following actions:

• Charge an inactive account fee, the amount of which can be found in the fee schedule, to cover the cost of maintaining assets by Bit2Me Operators, their affiliates, or any third party, which will be withdrawn directly from the inactive account monthly; and
• Transfer the inactive account (including the Digital Assets contained therein) to an affiliate of Bit2Me Operators, any third-party custodian, or an isolated wallet when Bit2Me deems it reasonably necessary. In the event of a transfer, you have the right to retrieve your digital assets in accordance with Bit2Me's verification requirements, including undergoing customer knowledge and transaction verification procedures;
• Close an inactive account at any time, and Bit2Me will not be responsible for any loss, damage, or expense incurred as a result of closing an inactive account unless there is fraud or willful breach on the part of Bit2Me. The assets in these inactive accounts will be transferred in accordance with the preceding paragraph. After closing an inactive account, you will not be able to reactivate it (i.e., you will have to register a new Bit2Me account if you wish to continue using Bit2Me services).

The account will be considered active again as soon as the user logs in or makes a transaction.

Bit2Me, except as required by law, court order, or competent authority, will offer the client the possibility to withdraw funds from inactive or closed accounts, without prejudice to the collection of stipulated inactivity fees.

Bit2Me reserves the right to decide on the form of fund withdrawal, and Bit2Me may offer withdrawal in fiat or crypto.

Acceptance of these Terms and Conditions implies the Client's knowledge, understanding, and express consent to what is described in this clause, recognizing it as an essential element of the contract.

18. SET-OFF CLAUSE

The Client expressly acknowledges and accepts that Bit2Me shall have the right to set off any monetary debt that the Client may owe Bit2Me, provided that it is liquid, due, and enforceable, against the balances that the Client holds in their account. This authorization extends to both fiat currency balances and balances in any type of crypto-asset deposited in the Client's account.

Debts subject to set-off may include, without limitation, unpaid service fees, transaction fees, account overdrafts, negative balances arising from operations, or any other amount owed by the Client to the Company under the provision of the services regulated in these Terms and Conditions.

Execution Procedure.

To execute the set-off, the Company will mandatorily follow the following procedure:

a) Prior Notification: Bit2Me will notify the Client in writing (via the email registered in their account) of the existence of the debt, its exact amount, and the concept, granting them a period of no less than four (4) calendar days to proceed with voluntary payment.

b) Execution of Set-off: Once the aforementioned period has elapsed without the debt being satisfied, the Company will be automatically authorized to:

i. Set-off against Fiat Balance: First, deduct the owed amount from the legal tender currency balance (Euros or other) that the Client holds in their account.

ii. Liquidation of Crypto-assets: If the fiat balance is insufficient to cover the entire debt, the Company will proceed to sell the Client's crypto-assets necessary to cover the remaining amount.

c) Valuation of Crypto-assets: The sale of crypto-assets will be carried out at the prevailing market price on Bit2Me at the exact moment of the sale's execution. Bit2Me will apply standard transaction fees to said operation. The choice of crypto-asset to liquidate (if the client holds several) will be at Bit2Me's discretion, always seeking the option deemed most efficient to cover the debt.

d) Subsequent Notification: Once the set-off and/or liquidation has been executed, Bit2Me will provide the Client with a detailed proof of the operation, indicating the amount of the original debt, the assets used to satisfy it, the exchange rate or sale price applied, and the remaining balance in the Client's account, which will be reflected in the client's account movement history.

Acceptance of these Terms and Conditions implies the Client's knowledge, understanding, and express consent to the set-off and liquidation mechanism described in this clause, recognizing it as an essential element of the contract.

19. TERMINATION AND RESOLUTION

This contract will be terminated for the following reasons:

• For non-acceptance of the modification of the Privacy Policy, the GENERAL TERMS AND CONDITIONS or the price of the service, or any applicable law and regulation (including any law relating to anti-money laundering, terrorist financing, international economic sanctions and embargoes): The contract will be automatically terminated.
• For non-compliance by either party with an essential obligation of the contract: The other party may unilaterally terminate this contract.
• At the express wish of the user: The user may decide at any time to terminate the validity of this contract, for which they must communicate their decision to the following email address: verifications@bit2me.com. The termination of the contract does not allow undoing, reversing or annulling operations already executed during the contractual relationship, which are irreversible according to clause 13.1.3. The termination of the contract does not affect the User's right to dispose of and withdraw the available balance in their account, whether in crypto-assets or legal tender currency, without prejudice to pending payment obligations to Bit2Me and applicable legal obligations.
• By Bit2Me's detection of fraudulent actions, antisocial or illegal behavior (such as insults or threats)
• If Bit2Me has reasonable grounds to suspect that the user is a victim of fraud, theft, cyberattack, extortion, manipulation, violence, or blackmail.
• Engaging in fraudulent activities or causing us to suspect that the User or any authorized User may have engaged in fraudulent Transactions or activities.
• Providing false, inaccurate, or misleading information regarding the User's use of Bit2Me Services, in communications maintained with us, or in any other aspect related to these Conditions.
• Existence of any other just cause for Bit2Me to terminate the contract.
• By legal imposition or by order of a competent authority.

Bit2Me will take reasonable measures to adequately notify the User of the reason for account closure. However, in some cases, current legislation may oblige us not to disclose the cause.

We will take reasonable steps to notify the User appropriately. However, in some cases, current legislation may oblige us not to do so.

20. INVALIDITY OF ANY PROVISION

If for any reason any provision of these GENERAL TERMS AND CONDITIONS is considered null and void, this will not affect the rest of the provisions of the contract, which will retain their validity for the established term.

20.bis. RELATIONSHIP BETWEEN CONTRACTUAL DOCUMENTS AND PRIORITY

The relationship between the User and Bit2Me is governed by these GENERAL TERMS AND CONDITIONS and by the specific conditions and policies listed below, and accessible prior to their acceptance:

• the Payment Services Framework Agreement and its Annexes I and II, for payment services;
• the Custody and Safeguarding Policy, for the crypto-asset custody and administration service;
• the specific conditions of each product (Earn, Loan, Card, Tax, Commerce, Launchpad, Invest, Space Center, Referral Program, API, OTC and others that may be published);
• the Privacy Policy and the Cookie Policy;
• the Best Execution and Intermediary Selection, Pricing, Conflicts of Interest, and Complaints Handling policies.

In case of contradiction between these GENERAL TERMS AND CONDITIONS and any of the aforementioned documents, the specific document regarding the service it regulates shall prevail. These GENERAL TERMS AND CONDITIONS will apply subsidiarily to what is not provided for therein. The modification of a specific document does not affect the validity of the others.

Each document identifies its version and effective date. Bit2Me retains and makes available to the User, upon request, the version of the document that the User accepted, indicating the date and means of acceptance.

21. DATA PROTECTION

The services provided by BITCOINFORME, S.L. require the processing of personal data.

BITCOINFORME, S.L. is committed to protecting privacy and providing a secure user experience. By contracting the services, the user explicitly accepts the processing of their data as described in the Privacy Policy established by Bit2Me at https://Bit2Me.com/es/legal/privacidad.

22. PREVENTION OF MONEY LAUNDERING

In accordance with the provisions of letter z) of Article 2.1 of Law 10/2010 on the Prevention of Money Laundering and Terrorist Financing, Bit2Me's activity as a provider of virtual currency exchange services for fiat currency and electronic wallet custody is subject to the aforementioned regulations on the Prevention of Money Laundering and Terrorist Financing.

Bit2Me fully complies with current regulations on the prevention of money laundering and other complementary regulations. To this end, Bit2Me informs you that said regulations require, among other obligations, to formally identify its users, gather information about the nature of their professional or business activity, and report, either at the request of the Executive Service of the Commission for the Prevention of Money Laundering and Monetary Offenses, or ex officio, any fact or operation regarding which there is an indication or certainty that it is related to money laundering.

In the event that a user's account has an operational restriction due to reasonable suspicions of illicit activity, including, but not limited to, activities related to money laundering, terrorist financing, fraud, or any other conduct contrary to current legislation and these General Terms and Conditions, Bit2Me reserves the right to apply the provisions established in clause 17 to the existing balance in said account.

It will be understood that, from the moment Bit2Me determines the existence of indications of unlawfulness that justify the blocking, the balance of the affected account will be subject to the same terms and conditions, including possible maintenance fees, inactivity periods, and fund management and disposal procedures, that would apply to an inactive account. Bit2Me will only inform the user about the blocking and the reasons behind it, to the extent that applicable regulations allow and do not compromise the investigation. The user accepts that, in such cases, Bit2Me may take the necessary measures to comply with its legal and regulatory obligations, which includes withholding funds, suspending services, and communicating with competent authorities. The application of this clause does not in any case exempt the user from the legal responsibilities that may arise from their illicit actions.

23. CUSTOMER SERVICE AND COMPLAINTS

The User can address their inquiries and complaints to Bit2Me's Customer Service through https://support.bit2me.com/es