GENERAL TERMS AND CONDITIONS OF BIT2ME SERVICES

Modified on Thu, 25 Sep at 8:44 AM

LEGAL INFORMATION

BITCOINFORME, S.L. (hereinafter Bit2Me), with registered office at Calle Germán Bernacer, 69, 03203, Elche, Alicante, SPAIN and with N.I.F. B-54835301, registered in the Mercantile Registry 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 the applications and services of Bit2Me are accessed.

TABLE OF CONTENTS

LEGAL INFORMATION

GENERAL DESCRIPTION

These GENERAL CONDITIONS, the Legal Notice, the Privacy Policy, the Cookies 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 the services of Bit2Me 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, the Platform located in said domain and the APP as well as its content, its main activity being to provide through the Platform different services related to crypto-assets (hereinafter crypto-assets).

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

Failure to accept these GENERAL CONDITIONS in the registration processes for contracting the services of Bit2Me makes it impossible to use the services of the Bit2Me Platform.

With the express acceptance of these GENERAL CONDITIONS, it is understood that the user has fully accepted them and that, therefore, has previously read and understood each and every one of the terms, undertaking to comply with all the specifications established therein.

REQUIREMENTS FOR ACQUIRING USER STATUS

Persons of legal age and with full capacity to contract who subscribe to these GENERAL CONDITIONS (hereinafter, "the user"), and who have their tax residence and/or are subject to the jurisdiction of the territories listed in the URL: https://bit2me.com/global may acquire the status of User.

In cases where the user accesses the platform on behalf and in representation of a legal entity, the user accepts and declares that he/she has sufficient powers of representation to bind the legal entity or company he/she represents in the contracting of services. In such cases, of access to the Bit2Me Platform or registration as a Legal Entity, Company or Professional, any request for services made by the user will be attributable to the Legal Entity, and Bit2Me will assume that they have been made by the latter.

The acquisition of the status of User implies the reading and express and unreserved acceptance of the terms of these GENERAL CONDITIONS and the Legal Notice and Privacy Policy of the Bit2Me Platform, which states that it has known them prior to their acceptance, and may be stored and reproduced by the user. Registration as a user of the Bit2Me Platform is an essential requirement for contracting the services of the Bit2Me Platform.

The user will be able to access the services of the Bit2Me Platform using the user's email and password that will be generated during the registration process at the time of subscribing to these GENERAL CONDITIONS.

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

Bit2Me may block access and use of the services of the Bit2Me Platform when it deems it necessary for security reasons.

Bit2Me will adopt the organizational and technical measures in its computer equipment to achieve an adequate use of the Service by the Users and avoid unauthorized access whose purpose is to proceed with unauthorized disclosures of the User's financial information accessible through the Service.

SERVICES PROVIDED BY BIT2ME

The services provided by Bit2me that are regulated by the Markets in Crypto-Assets Regulation (hereinafter, MiCA) and supervised by the National Securities Market Commission are:

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 different products that Bit2Me makes available to users, as defined below.

In addition to the above, Bit2Me offers products related to crypto-asset services, but which are not currently regulated or supervised. The unregulated services are all those offered by 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 jointly to the services regulated by MiCA as well as to those that are not currently supervised by the authorities. In case it is necessary to make a distinction, it will be expressly 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, exonerating Bit2Me from any liability arising from an improper, erroneous or illegal use of the Platform or with the aim of committing illegal actions.

ENTRY INTO FORCE OF THE GENERAL CONDITIONS

The GENERAL CONDITIONS will enter 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 to them by clicking the button "I have read and accept the GENERAL CONDITIONS" enabled on the Platform or in the Application.

However, and in compliance with the provisions of 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 entry into force of the GENERAL CONDITIONS, Bit2Me will confirm the acceptance of these GENERAL CONDITIONS confirming the entry into force of the contract.

The Privacy Policy of the Bit2Me website must be accepted together with these GENERAL CONDITIONS. The information you provide to Bit2Me is absolutely necessary and is intended to provide you with the necessary services so that you, through the Platform, can perform the services provided by Bit2Me. The required data will be treated in accordance with the applicable legislation on Data Protection. The Privacy Policy is accessible at the following link https://Bit2Me.com/legal/privacy.

MODIFICATION OF THE GENERAL CONDITIONS

Bit2Me reserves the right to modify these GENERAL CONDITIONS at any time. When the changes and modifications made are relevant. They can be consulted at https://Bit2Me.com.

For these purposes, when a modification of these GENERAL CONDITIONS occurs, users will be notified through the usual communication channels at least thirty (30) calendar days before they enter into force. After this period, it will be understood that the user accepts the new conditions. In case of disagreement, the user will have the right to terminate the contract without any cost before the effective date of the modification.

MINORS

Minors cannot use the services that Bit2Me provides through the website or Application, so any request for membership in Bit2Me by a minor 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 the trust in a central issuer. Instead, they use other systems to prevent double-spending and achieve consensus among all the nodes that make up the network.

Every transaction made between users of the network is recorded and a digital signature is generated to prevent fraud and counterfeiting, being 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, the counterfeiting or theft of crypto-assets is highly unlikely, but there is a risk that the procedures or software may fail. The payments and operations that the user makes in crypto-assets are irreversible, and computer errors in legitimate payments with crypto-assets are very low since the system performs checks to try to avoid it. Most payment errors are caused by human error when entering incorrect data, so Bit2Me is not responsible for transfers made by users. Bit2Me may apply, in case of errors attributable to the user, the commissions or costs specified at https://Bit2Me.com/fees.

INFORMATION AND DOCUMENTATION REQUIREMENTS

Certain services of Bit2Me do not require the express acceptance of these GENERAL CONDITIONS, as they are freely accessible services or functions regulated in the Legal Notice of the Bit2Me website. The users of Bit2Me may use the freely accessible services that are made available to them from the Bit2Me website, as well as all those natural or legal persons who access the website.

To acquire the status of User for the provision of the services offered by Bit2Me it is necessary for users who register on the website or in the app to provide certain information necessary for the fulfillment of the obligations of formal identification of the client, in accordance with Law 10/2010, of April 28, on the Prevention of Money Laundering and the Financing of Terrorism (hereinafter LPBC).

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 carry out.

The information requested may consist, among others, of the mobile phone number and amount of the operation, the name and surname, the username and password, the e-mail address, the security code sent to the e-mail or security code required for double authentication, the profession and date of birth, as well as other possible data or information necessary according to 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 a natural or legal person, requiring information such as, for example, ID, residence card, foreign identity card or passport, invoices, video conference, deeds, shareholding structure, accreditation 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 more additional information in order 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 provision contract that unites them.

ECONOMIC AND TEMPORAL LIMITS ON OPERATIONS

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

PRICE OF SERVICES

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

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

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

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

The cost of the storage and withdrawal services in Bit2Me is subject to agreements with third parties that collaborate in the provision of said services, as well as the rates imposed by the banking or card entities used by the User.

In the event of a change in the conditions of use thereof, Bit2Me reserves the right to modify the GENERAL CONDITIONS and may pass on the changes in said GENERAL CONDITIONS to its users.

In the services of Bit2Me Pro, Bit2Me charges a commission for each order executed in the Bit2Me Pro Order Book.

The user acknowledges and agrees that Bit2Me Pro commissions may occasionally fluctuate between the 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 agrees that the commissions will be deducted from their corresponding Bit2Me Wallet. The 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 CONDITIONS to the user will include the addition of applicable taxes, fees and levies according to the current legislation. It is the exclusive responsibility of the user 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.

DURATION OF THE CONTRACT

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

BIT2ME SERVICES

13.1. GENERAL ISSUES

13.1.1. Conditions and Restrictions

In order to access the services provided by Bit2Me it will be necessary to hold the status of user in accordance with the second clause.

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

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

13.1.2. Accuracy of information

The user must provide any information required 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 your order or request has been executed, you cannot change, withdraw or cancel your authorization for Bit2Me to perform such transaction or provide such service. If an order or service request has been partially completed, you can cancel the uncompleted remainder unless the order is related to a market operation.

Bit2Me reserves the right to refuse any cancellation request associated with a market order once you have submitted such order. Unlike scheduled buy and sell orders, immediate exchanges and buy/sell, all exchanges are irreversible once initiated. While we may, at our sole discretion, reverse a transaction under certain extraordinary conditions, a customer is not entitled to a reversal of a transaction.

13.1.4. Insufficient Funds

In case 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 available funds in the Bit2Me Account, after deducting the fees owed to Bit2Me in connection with the transaction.

13.1.5. Taxes

The user is responsible for determining what taxes, if any, apply to the transactions they perform through the Services, and it is their responsibility to report and remit the correct tax to the appropriate tax authority. The user agrees that Bit2Me is not responsible for determining whether taxes apply to their transactions or for collecting, reporting, withholding or remitting any taxes arising from any transaction, unless Spanish regulations so indicate.

13.1.6. Supported Currencies

The Platform or Application supports the main crypto-assets on 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 manipulation of the market is strictly prohibited. This includes, but is not limited to, the following practices:

Spoofing: Placing orders with the intention of canceling them to deceive the market.
Wash Trading: Executing trades with oneself to simulate activity or influence prices.
Front-running: Using privileged information about pending orders.
Spreading 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 the authorities, in case of detecting abusive practices.

Users of Bit2Me who trade on Bit2Me Pro are also prohibited from entering orders that result in a self-execution, where the same user acts as both the Order Maker and the Order Taker of the same transaction. Such orders will be rejected. In situations where two orders of different volume coincide in a self-execution, the order of the smaller quantity will be canceled. The order of the larger volume will be reduced by an amount equivalent to that of 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 of storing crypto-assets in their Bit2Me Accounts or Wallets. This storage will be carried out for those crypto-assets supported by Bit2Me, through the third-party crypto-asset custody and administration service, a service regulated in MiCA and supervised by the competent authorities. This functionality will be available only for those crypto-assets that allow such storage capacity.

To do this, the user must send the crypto-assets to the address provided by Bit2Me. The user must send only crypto-assets of the type that Bit2Me indicates for the address used.

Bit2Me is not responsible if the user does not send the correct crypto-asset to the storage addresses of Bit2Me. All crypto-asset storages from the Bit2Me Platform can be checked in a compatible blockchain explorer.

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

However, as indicated in these terms and conditions, in those 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 with respect to your custodied crypto-assets, Bit2Me does not guarantee access to such new crypto-assets or associated rights.

To comply with our customer protection objectives, at Bit2Me we have established a custody policy that details the measures implemented to minimize the risks associated with this service. Users are advised to review the Custody and Safeguarding Policy of Bit2Me. In it, you will find detailed information on how we protect your 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 all functionalities.

13.3. SERVICES FOR TRANSACTIONS WITH FIAT CURRENCY

13.3.1. Deposit of fiat funds in Bit2Me

To deposit FIAT funds in 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 the ownership of the external account or card used for transfers in euros. Bit2Me is not responsible for fees or commissions of 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 terms and conditions applicable to it. The processing time of transactions in euros depends in part 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 the funds deposited in any of its modalities. Nor are the stored funds or those derived from the purchase and sale of crypto-assets remunerated.

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

13.3.2. Users residing in Brazil

In order to provide these services and offer secure transactions to users residing in Brazil, crypto-asset purchase transactions can only occur, provided that the User has FIAT fiat currency in their Wallet for the execution of Crypto-asset Purchase Orders. The deposit of funds (FIAT fiat currency) in your Wallet may be made by the User by means of the Brazilian instant payment - PIX (up to R$ 5,000.00 per operation).

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

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

13.3.3. Users residing in Argentina

In order 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 in its app. To ensure secure transactions, the Argentine 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 incorporated under the laws of the Republic of Argentina, registered on 06/22/2022 in the Registry of Payment Service Providers under number 34.503. This provider aims to streamline payments between accounts, and through its service, the user will have immediate access to the credited funds.

Therefore, the amount that the user deposits in the Bit2Me account will be converted to the crypto asset considered most suitable for the transaction. This amount will be available once CONEXIÓN DE ALTURA S.A. has identified and credited the payment. The conversion from Argentine 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 the one published daily at https://www.bcra.gob.ar/PublicacionesEstadisticas/Cotizaciones_por_fecha_2.asp and may be subject to variations without prior notice.

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

As mentioned above, CONEXIÓN DE ALTURA S.A. is a payment service provider with its registered office in Argentina, so all matters relating 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. shall 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/legal/rampy.

13.4. CRYPTO ASSET EXCHANGE SERVICES

The Wallet service allows the User to carry out exchanges between the various crypto assets held 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 trading modalities: Execution, RTO, or Swap.

13.5. TRADING SERVICES

13.5.1 Trading Service Modalities

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

Specifically, trading services will be provided as follows:

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 we 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 its execution on a trading platform or through a third party. In these cases, although we are not subject to complying with best execution, since the selected broker will execute the order, we will treat the Client's orders in accordance with our Best Execution and Intermediary Selection Policy and will ensure a rapid and adequate transmission of the order.

Swap: This service will be provided as long as the operation does not exceed €20 in value and is not included in the OTC service. In such cases, Bit2Me will determine the price of the crypto-asset, which will be available for acceptance for 10 seconds before the order. The User is advised to consult our Pricing Policy for more details.

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

Bit2Me will not be obliged to take 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 with Transfer in Euros

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 withdrawals of FIAT funds (euros) are made 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 said action.

13.6.2. Withdrawal with Crypto Assets

The user may make withdrawals of funds from their Bit2Me account through the crypto assets supported on Bit2Me. It will only be permitted for those crypto assets that support the withdrawal functionality.

To do this, the user must initiate the withdrawal by entering the destination address of the desired crypto asset. The user must only 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 accompanying transfers of crypto assets.

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

The user accepts that Bit2Me may apply charges for withdrawals, limited to covering essential operating costs such as mining or exchange fees.

Bit2Me declines all responsibility in the event that the destination address indicated by the user in the withdrawal form is erroneous 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 said review. This process will be carried out in the minimum time strictly necessary.

13.6.3. Users residing in Brazil

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

Withdrawals of funds (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 as of 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 the exceptional cases where FIAT money 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 said action and exempting Bit2Me from any liability.

13.6.4. Users residing in Argentina

Users residing in Argentina must provide the bank account details where they wish to receive the fiat currency, as well as other personal data requested by Bit2Me to carry out the transaction and check the informational summary of the operation before giving the order to send Argentine Pesos to their bank account.

Withdrawals of funds (fiat currency) from the Bit2Me account to the user's bank account will be processed through CONEXIÓN DE ALTURA S.A., a company duly incorporated under the laws of the Republic of Argentina, registered on 06/22/2022 in the Registry of Payment Service Providers under number 34.503.

13.7. REFERRAL PROGRAM

This is a program that incentivizes people who recommend Bit2Me's services to family and friends. The incentive consists of obtaining benefits derived from the operations of Bit2Me's crypto-asset trading service.

The proportion of the net benefit will be determined based on the user's level at the time of the invitation to third parties, leveling up as greater benefits are generated. The incentive table detailing the possible earnings according to the level can be consulted at the following link: https://support.bit2me.com/en/support/solutions/articles/35000170358.

The invitation must be made through a referral link. Referral links are obtained by accessing the Referrals section as a registered user in your 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 persons access through said link in a browsing session that accepts cookies, avoiding any alteration of the links shared through social networks, Whatsapp, or Telegram.

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

Bit2Me does not make manual referrals between user accounts.

The user has a control panel to monitor the evolution of the perceived incentives, which are computed 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 acceptance of the specific conditions of said service, available at the following link.

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

13.8. BIT2ME PRO

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

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

Bit2Me Pro is not a trading platform, that is, it is not a market or a multilateral trading facility. Once the user enters the buy or sell order in Bit2Me Pro, Bit2Me collects the order and executes it in the market of which it is a member or broker for that operation, guaranteeing the best execution. In Bit2Me Pro, customer buy and sell orders are not matched; in Bit2Me Pro, there is no interaction between multiple buying and selling interests. Bit2Me Pro is distinguished by 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 in Bit2Me, the user acknowledges that when they submit an order, they authorize Bit2Me to execute a transaction according to said 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 to prove their knowledge and experience to use the tool.

Relationship of independence

The user acknowledges and agrees 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, broker, agent, or advisor, and (iii) no communication or information provided by Bit2Me shall be considered or construed as advice of any kind.

Fund Transfer

To operate on Bit2me Pro, it is an essential requirement that the user performs a transfer of funds, whether Crypto-assets or fiat currency (Fiat), from their main wallet in Bit2Me to the wallet specifically designated for Bit2me Pro. It is important to note that all these internal transfers within the Bit2Me ecosystem will be completely free for the user and will be executed instantly, allowing for immediate availability of funds to start trading in the Bit2me Pro environment.

13.8.2. Orders

Users may instruct the purchase or sale of a defined quantity of crypto-assets at a specific price in the quoted crypto-asset itself (order), provided they have a sufficient positive balance in the Bit2Me Pro wallet to cover the total value of the order and applicable fees. When an order is issued, 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: Order to buy or sell at the best currently available price in the Order Book. It is executed immediately but without a guarantee of the exact price.
Limit Order: Order to buy or sell at a specific price or better. It does not guarantee execution if the crypto-asset does not reach said price.
Stop-Limit Order: Order that becomes 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 issued order will remain in the order book until the user cancels it or it is fully executed.

In Bit2Me Pro, orders are subject to minimum amounts, which are specified on the Bit2Me website and are 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 the transfer service regulated by MiCA and supervised, offered by Bit2Me, which allows users to make immediate transfers of crypto assets between Wallets on the Bit2Me Platform. The service is exclusively for registered users on Bit2Me and with crypto assets custodied by Bit2Me.

Transfers are made free of charge, without commissions and/or additional charges, for both the sending/ordering user and the receiving/beneficiary user.

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

13.9.1. Transfer issuance service process:

The sending/ordering 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 the transfer notice to the recipient/beneficiary must be selected. For this, the mobile phone number or email address of the recipient/beneficiary of the transfer must be entered.
In the case of making transfers to users of the Bit2Me platform, the email or mobile phone of the recipient/beneficiary must match the one used by the latter on the Bit2Me platform; otherwise, the Platform will not recognize their registered account.
Transfers for amounts exceeding the balance of the Wallet used by the sender/originator for the transfer cannot be made.
The entered data can be reviewed before proceeding with the transfer.
Once the transfer is made, the amount of the crypto-asset will be blocked until the effective sending of the same and therefore the debit in the Wallet of the sender/originator and the credit in the Wallet of the recipient/beneficiary. Transfers do not need to be accepted by the beneficiary user.

13.9.2. Transfer reception service process:

The recipient/beneficiary user of the transfer will receive a notice through 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 recipient users not registered on the Bit2Me Platform must register on the Bit2Me Platform, accepting these GENERAL CONDITIONS, as well as the Privacy Policy of Bit2Me. To become a user, they must pass the processes established on the Platform related to the Prevention of Money Laundering, without which they cannot become users of the Platform and, therefore, will not receive the amount transferred by the sender/originator.
If they do not have a Wallet for the crypto asset, they must create the Wallet on the Bit2Me Platform 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, it will be debited from the sender/originator user's Wallet and credited to the recipient/beneficiary user's Wallet.

13.9.3. Data Protection

The sender/originator must provide personal data of the recipient/beneficiary to be able to send the transfer notice. In accordance with data protection regulations, the sender/originator is responsible and guarantees to Bit2Me that they have previously obtained the informed consent of said recipient/beneficiary of the transfer to process 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 become users of the Bit2Me Platform are provided and the 7-day period established for the acceptance of the transfer by the recipient/beneficiary ends, Bit2Me will proceed to the immediate deletion of the personal data from its information systems, not carrying out any further processing of their personal data.

13.10. SPECIFIC FEATURES OF CUSTODY AND TRANSFER OF CRYPTO ASSETS SERVICES

The timelines for executing transfers may vary depending on the type of crypto-assets involved. 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 you have to provide;

(b) The checks on anti-money laundering and counter-terrorist financing that Bit2me must carry out;

In any case, 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 where you want to transfer the crypto-assets and the crypto-asset account number to which you want to transfer them, when such an account exists and is used for processing operations;
The crypto-asset account number where you 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 identity document number and the customer identification number or, alternatively, the date and place of birth; and
If applicable, the current LEI or, in its absence, any other equivalent official identifier of the recipient that is available.

If this data is not transmitted or not transmitted in its entirety, 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 to a different blockchain can no longer be reversed and will result in an irreversible loss.

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

Before transferring the crypto-assets:

we will warn you if the transfer of crypto-assets 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 transfer of crypto-assets.

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 the crypto-asset account number of the originator and the beneficiary;
a reference that allows the customer to identify each transfer of crypto-assets;
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 transfer of crypto-assets and, where appropriate, a breakdown of the amounts of such expenses.

Bit2Me must comply at all times with the European Regulation on information that must accompany transfers of crypto-assets.

13.11 BIT2ME SAVE / RECURRING BUYS

It is a functionality offered to users of Bit2Me to make periodic or recurring purchases of crypto-assets in exchange for fiat money automatically. The way in which the purchases are materialized is through the services regulated by MiCA of Execution, Swap or RTO as appropriate.

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

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 users of Bit2Me and B2M Holders can obtain greater advantages and benefits in all the services and products of the Bit2Me Suite in a simpler and more accessible way. Thus, it is one of the ways in which Bit2Me strives to compensate and thank loyal customers for the regular use of Bit2Me's products and services through various benefits in all of Bit2Me's products. In addition, this system complements the utility of Bit2Me's token, the B2M.

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

The user, once their account is registered with Bit2Me, will have automatic access to the Bit2Me 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's services. To do this, users must level up by earning points for completing the missions published periodically in the Bit2Me Space Center.

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

The user can at all times know the benefits associated with the different levels of Space Center 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/legal/space-center.

13.13 ACADEMY SERVICE

The Academy service is that provided by Bit2Me by virtue of which interested parties may access, free of charge, the content of the Website offered by Bit2Me through its Bit2Me Academy. This is a service that is not regulated or supervised 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 a Bit2Me User.

Acquiring the status of User implies the reading and express acceptance without reservation of the terms included in these Terms and Conditions and the Legal Notice and Privacy Policy of the Website, which you state you have previously known before accepting, and which can be stored and reproduced by you. 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, it will be necessary for Users to register. To register, the following data must be provided:

Name
Surnames
Address
Phone
Email address
CIF/DNI (optional)

After completing the courses, Users will obtain a Certificate of completion as proof of having completed them.

13.13.1. Liability.

The User is obliged to:

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

Bit2Me is obliged to attend with the greatest possible diligence to all queries that the User may make derived 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 the provisions of the Spanish legal system. Bit2Me is released 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 consequence of events that could not have been foreseen, or that, if foreseen, were unavoidable, either due to an act of God or force majeure.

Bit2Me is not responsible for any failure, technical error, accident, breakdown, manipulation, interruption in the Service 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 responsible in cases of unavailability of the Service due to force majeure or temporary suspension of the same for technical reasons.

13.13.3. Links to content.

The inclusion of electronic links to this Website is prohibited unless expressly authorized by Bit2Me.

In the event that Bit2Me Academy contains links to content owned by third parties, Bit2Me is not responsible for the content of the same.

Bit2Me will remove any link as soon as it becomes aware by any means of the illegality of its content or that from them the goods or rights of a third party are harmed.

13.13.4. Intellectual and industrial property.

Bit2Me Academy, its source code, and the contents it houses are protected by national and international intellectual and industrial property regulations. They may not be subject to exploitation, reproduction, distribution, modification, public communication, assignment, or transformation, 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 that this Website contains are protected by Industrial Property law.

Access to Bit2Me Academy does not grant Users any right or title to the intellectual or industrial property rights or the contents it houses. 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.

The 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 upon intellectual and industrial property rights.

13.13.5. Data protection.

In compliance with the provisions of 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 December 5 on the Protection of Personal Data 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), the purpose of which is the management of the use of the services included on the website, your browsing 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/legal/privacy).

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 agree to communicate it through the process enabled for this purpose in Bit2Me Academy.

Users have their rights to access, rectification, erasure, limitation, opposition, 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 the processing and the User continues to be part of it. At any time, you may 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 the processing carried out based on the legitimate interest for the maintenance of commercial relationships. Finally, you have the right to address your claims derived from the processing of your personal data to the Spanish Data Protection Agency (www.agpd.es).

13.13.6. New functionalities and modification of the service conditions

Bit2Me may add new functionalities to Bit2Me Academy. In the event that such implementation implies a modification of the Terms and Conditions of Use, it will be brought to the User's attention 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 by means of a reliable communication to Bit2Me. The expiration of the said fifteen-day period without any statement to the contrary will imply full acceptance of the new conditions.

Bit2Me reserves the right to incorporate all types of improvements and modifications in the Service, whether in terms of access to it or in terms of 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), which will remain for informational purposes locked in the user's Bit2Me Earn Wallet. In exchange for this transfer and lock-up, the user will obtain a reward in the same transferred and locked crypto-asset 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 itself. They are also published on the Bit2Me website.

The Bit2Me Earn service is currently not regulated or supervised by any authority. Unregulated and unsupervised services and products present greater risks and do not offer guarantees.

13.14 BIT2ME LOAN

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

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

The Bit2Me Loan service is currently not regulated or supervised by any authority. Unregulated and unsupervised services and products present greater risks and do not offer guarantees.

13.15 BIT2ME CARD

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

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

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

When using the Bit2Me Card, the crypto-assets linked to your wallet are exchanged at the euro price of that crypto-asset at that moment. By using the card, the user accepts that this conversion will occur regardless of their knowledge of the price of the crypto-asset used, 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 the Terms and Conditions of Pecunia Cards EDE, SLU, both available for consultation on the Bit2Me website.

13.16 BIT2ME TAX

Bit2Me provides through the Bit2Me Tax services the ability for all service users to know the profits or losses derived from their crypto-asset operations in order to declare them. Specifically, the user is offered a product, Tax, where the profits or losses on the Bit2Me platform are automatically calculated and explained.

The User will obtain a downloadable report containing all the information related to the profits or losses derived from their 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, but not limited to, 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 as to meet your specific individual needs at all times; and (c) constitutes 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 price data, or in the accounting or calculation methodology applied in BT; and (b) any interruption, system downtime, error or delay in data transmission or processing of your data.

13.17 BIT2ME COMMERCE

Bit2Me Commerce is an online payment gateway aimed at offering Merchants the possibility of receiving payments from their customers using crypto-assets. In this sense, Bit2Me Commerce is available for those companies and/or self-employed individuals who have an e-commerce business and wish to facilitate purchases with crypto-assets for their end customers (hereinafter "End Customer").

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

The Merchant will be a natural or legal person who is considered a merchant as established in 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. They are also published on the Bit2Me website.

13.18. 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 Customer 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 link in the email, you will receive the API key, which will be the only time it is displayed. 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 are at the sole discretion of Bit2Me, and that Bit2Me may modify or cease to use the APIs at her sole discretion at any time. Bit2Me may set limits on the number of API calls that can be made, at her sole discretion. If you exceed these limits or violate any other condition of these Bit2Me Pro or GTC Rules, Bit2Me may moderate your activity or stop providing you with access to the APIs at her 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 that they are incorporated in 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 the Bit2Me services and Systems. Upon the termination or cessation of use of your API, and upon written request by you, we will make all commercially reasonable efforts to remove the reference to your application and any of your Logos from our Bit2Me Systems.

The Bit2Me brands and names (hereinafter, the " Bit2Me Logos"), and all intellectual property rights therein are and shall remain at all times the sole and exclusive property of Bit2Me, and shall 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 that is facilitated through the API keys or by any other application you may authorize (including any activity by you or third parties who have access to your account information, with or without authorization).

13.19. OTC

The Over-the-Counter (OTC) service of Bit2Me consists of a Swap 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 designed exclusively for clients who wish to carry out operations of a considerable volume, the exact amount of which will be specified and periodically updated at the discretion of Bit2Me. Alternatively, Bit2Me reserves the right to offer access to this service to those users whom, at her sole discretion, she considers that their maintenance in the OTC service is commercially beneficial for the company. This ensures that the OTC service is optimized for large traders or for those clients whose relationship with Bit2Me provides strategic value.

13.20. ADDITIONAL INFORMATION

In order to facilitate the understanding of the use of the services provided, Bit2Me makes available to the user through her website https://support.Bit2Me.com/en/ a Knowledge Base containing detailed additional information on the registration, purchase and sale processes, as well as other information related to the referral program or the basic concepts of Crypto-assets and the Bit2Me Platform.

From the link indicated in the previous paragraph, the user may at any time communicate with the Bit2Me Support service to ask any questions they deem appropriate by selecting the "NEW TICKET" option.

14. OBLIGATIONS, RESPONSIBILITIES AND RISKS

14.1. OBLIGATIONS OF BIT2ME

Bit2Me undertakes 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.
Provide the service to the user in accordance with what is established in these GENERAL CONDITIONS.
Keep the Bit2Me Platform operational 24 hours a day, except for temporary interruptions for website maintenance services, technical or computer problems such as internet outages caused by any reason, computer attacks, and similar situations that make it temporarily impossible to provide the service. It will be restored as soon as the incidents have been resolved.

Notify of any movement that Bit2Me may consider suspicious for the purpose of compromising the security of the user's account, for subsequent analysis.

Bit2Me is not obligated to:

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

14.2. OBLIGATIONS OF THE USER

The User undertakes to:

Provide the information required in the forms in the cases indicated in the previous sections when making a sale of crypto-assets.
Confirm acceptance of these GENERAL CONDITIONS by clicking the button "I have read and accept the GENERAL CONDITIONS".
Communicate to Bit2Me all the necessary data for access and use of the 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, or illegitimate access in their name and/or their 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 in the Bit2Me Platform, always in accordance with the legal system.
Not to carry out any activity that hinders or interferes with the operation of the Services included in the Bit2Me Platform.
To be responsible for all operations carried out in their user account, exonerating Bit2Me from any liability.

The user ensures 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 the buying and selling of crypto-assets and the use of the blockchain. Bit2Me will not be responsible for any loss of crypto-assets or traditional currencies or situations that make it impossible to access them, which may result from any action or omission of the user.

14.3. RISKS INHERENT TO CRYPTO-ASSETS

The user declares to be aware of all the risks involved in the transaction and possession of crypto-assets, including the partial or total loss of the invested amounts, thereby exonerating Bit2Me from any liability for the loss of their crypto-assets for causes not attributable to Bit2Me.

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

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

Since crypto-asset transactions are irreversible, the user must take extreme precautions 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, that is sent from the user's account.

Bit2Me does not assume any type of responsibility for failures in the internet network, in the crypto-asset blockchains, banks, or for the attack on any hacker's software that results 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 loss of crypto-assets. However, if Bit2Me were responsible for such loss due to willful misconduct 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 the Bit2Me support service at https://support.Bit2Me.com/en/.

14.4. LIMITATION OF LIABILITY OF BIT2ME

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 for the Prevention of Money Laundering and the Financing of Terrorism (SEPBLAC), which provides protections and guarantees to the user. Other services are not currently regulated 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 the methods of payment and receipt of legal tender will fall solely on the provider of such services. Any incident in the operation of banking entities will be the exclusive responsibility of said entities.

Bit2Me is released from any responsibility in case of improper use or use contrary to the legal system 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 due to an act of God or force majeure.

Bit2Me is not responsible for any failure, technical error, accident, breakdown, manipulation, interruption in the Service, 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 responsible in cases of unavailability of the Service due to force majeure or temporary suspension of the same for technical reasons.

Bit2Me does not assume any responsibility for the improper use of the user's access credentials, unless their loss, theft, or misplacement has been previously communicated, in which case the user must proceed immediately to change them through the procedures that 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 does not assume 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 invites all users to contact the police and never make the payment.

The user will be responsible for the damages and losses that may have been caused to third parties, by the data provided, by way of an enumerative and non-limiting list as a consequence of the following actions:

Use of outdated, false, or unreal data.

Use by third parties of the user's personal keys.

15. ASSIGNMENT AND SUBROGATION BIT2ME

Bit2Me, if it considers it necessary, may assign or subcontract the contracts formalized with users to other entities to carry out the object of the contract as established in these GENERAL CONDITIONS.

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

Bit2Me will do everything reasonably possible to ensure that the user can access the services in accordance with these General Conditions. However, Bit2Me may temporarily suspend services for maintenance or updates, and will do everything reasonably possible 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 will not always be able to access, use or carry out transactions with the Bit2Me Account.

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

Likewise, the breach of the obligations listed below, by the Bit2Me user will lead to the temporary suspension of the service on the Bit2Me Platform as long as it is not rectified by the user:

Lack of additional information necessary for the user's identification, their operations, or the origin of their funds.

Not accepting possible updates to the GENERAL CONDITIONS or the Privacy Policy.

The suspension of the service has the following consequences:

Bit2Me will communicate her decision to temporarily suspend your activity on the Platform, indicating the reason for the suspension (unless legally obliged not to do so), and requesting 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 THIRTY (30) days from the beginning of the temporary suspension, if your 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 if you have a balance in any of the currencies in your Wallet, it will be blocked and considered an account with an abandoned balance and/or storage, or in other words, an "inactive account," with Bit2Me applying the 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 carried out transactions for a period of more than 12 months.
There has been no login to the account for a period of more than 3 months.
It fails to respond to requests and/or provide requested documentation within a period of 30 days.
It is impossible to contact the client for a period of over a 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 the assets by Bit2Me's Operators, her 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's Operators, to any third-party custodian, or to an isolated wallet when Bit2Me deems it reasonably necessary. In the event that the transfer has been made, you have the right to recover your digital assets in accordance with Bit2Me's verification requirements, including performing know-your-customer and transaction verification procedures;

Close an inactive account at any time, and Bit2Me will not be liable for any loss, damage, or expense incurred as a result of closing an inactive account unless there is fraud or deliberate breach by 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's services).

The account will be considered active again the moment the user logs in or performs a transaction.

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

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

The 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 acknowledges and expressly accepts that Bit2Me will have the right to set off any monetary debt that the Client has with Bit2Me, provided that it is liquid, due, and payable, with the balances that the Client holds in their account. This authorization extends to both balances in legal tender (Fiat) and balances in any type of crypto-asset deposited in the Client's account.

The debts subject to set-off may include, without limitation, unpaid service commissions, transaction fees, account overdrafts, negative balances resulting from operations, or any other amount owed by the Client to the Company by virtue of 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 to their account) of the existence of the debt, its exact amount, and the concept, giving a period of no less than four (4) calendar days to proceed with its voluntary payment.
b) Execution of the Set-off: After the previous period has elapsed without the debt being satisfied, the Company will be automatically authorized to:
- i. Set-off against Fiat Balance: Firstly, deduct the amount owed from the balance in legal tender (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 necessary Client's crypto-assets 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 the standard transaction fees to said operation. The choice of the crypto-asset to be liquidated (in case the client owns several) will be at the discretion of Bit2Me, always seeking the option considered 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 justification 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.

The 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 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 terminated automatically.
For breach by either party of any essential obligation of the contract: The other party may unilaterally resolve this contract.
By 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. When this contract is terminated for any reason, the user may not request Bit2Me to undo the operation or operations carried out during the duration of the contractual relationship. Therefore, no refunds of crypto-assets sold to Bit2Me or restitution of any cash (legal tender) may be requested.
Upon detection by Bit2Me of fraudulent actions, antisocial or illegal behaviors (such as insults or threats).
If Bit2Me has reasonable grounds to suspect that the user is a victim of fraud, theft, cyber-attack, extortion, manipulation, violence, or blackmail.
Participating in fraudulent activities or causing us to suspect that the User or any authorized User has been able to participate in fraudulent Transactions or activities.
Providing false, inaccurate, or misleading information regarding the use of Bit2Me's Services by the User, in communications with us, or in any other aspect related to these Conditions.
Existence of any other just cause for which Bit2Me should resolve the contract.
By legal imposition or by order of a competent authority.

Bit2Me will take reasonable steps to properly notify the User of the reason for the account closure. However, on some occasions, the current legislation may require us not to disclose the cause.

We will take reasonable steps to properly notify the User. However, on some occasions, the current legislation may require us not to do so.

20. SEVERABILITY OF ANY PROVISION

If for any reason any provision of these GENERAL CONDITIONS is considered null, this will not affect the rest of the provisions of the contract, which will remain in force for the established term.

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/legal/privacy.

22. PREVENTION OF MONEY LAUNDERING

As established in letter z) of Article 2.1 of Law 10/2010 on the Prevention of Money Laundering and Terrorist Financing, the activity of Bit2Me as a provider of services for the exchange of virtual currency for fiduciary currency and for the custody of electronic wallets is subject to the aforementioned regulations on the Prevention of Money Laundering and Terrorist Financing.

Bit2Me fully complies with the current regulations on the prevention of money laundering and other supplementary regulations. To this end, Bit2Me informs you that said regulations require, among other obligations, to documentarily identify its users, collect information on 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 Infractions, or on its own initiative, 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 account is blocked due to reasonable suspicion of illicit activity, including, but not limited to, activities related to money laundering, financing of terrorism, fraud, or any other conduct contrary to current legislation and these General 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 illegality 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 that motivate it, to the extent that the applicable regulations allow it and it does not compromise the investigation. The user accepts that, in such cases, Bit2Me may take the necessary measures to comply with her legal and regulatory obligations, which includes the retention of funds, the suspension of services, and communication to the 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. USER SUPPORT SERVICE

The user has a User Support Service to contact an agent directly at the following address:

https://support.bit2me.com/en/support/home

24. BILLING

In relation to the services for the purchase and sale of crypto-assets provided by Bit2Me, and by virtue of the provisions of article 20, section one, ordinal 18, letter m) of Law 37/1992, such mediation services are exempt from Value Added Tax and therefore:

There will be no obligation to issue an invoice, except in the cases contained in section 2 of article 2 of this Regulation, for the following operations: a) Operations exempt from Value Added Tax, by virtue of what is established in article 20 of its regulatory law, with the exception of the operations referred to in section 2 below. However, the issuance of an invoice will be mandatory in operations exempt from this Tax in accordance with article 20.

However, the issuance of an invoice will be mandatory in operations exempt from this Tax in accordance with article 20. One. 2, 3, 4, 5, 15, 20, 22, 24, 25, and 28 of the Tax Law.

We only issue an invoice and a copy of it in all cases in operations where the recipient is a company or professional acting as such, regardless of the tax regime to which the entrepreneur or professional carrying out the operation is subject.

For this, the client must request said invoice from Bit2Me, and it will be delivered within a maximum of 60 working days.

25. INTELLECTUAL AND INDUSTRIAL PROPERTY

The Bit2Me website, software, and app, its source code, and the contents it hosts are protected by national and international intellectual and industrial property laws. They may not be subject to exploitation, reproduction, distribution, modification, public communication, assignment, or transformation, unless there is express written authorization from the rights holders.

The design, images, signs, distinctive signs, trade name, trademarks, logos, products, and services that Bit2Me contains are protected by Industrial Property law.

Access to Bit2Me does not grant users any right or ownership over the intellectual or industrial property rights or the contents it hosts. Users who access this Bit2Me Platform 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.

The alteration of the content or structure of this Bit2Me Platform by the user is strictly prohibited.

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

26. SECURITY SYSTEMS

Bit2Me's security systems can be consulted in the "security" section of our main website: https://bit2me.safebase.us/.

27. APPLICABLE LAW AND COMPETENT JURISDICTION

These General Conditions will be interpreted and governed in accordance with Spanish legislation. For the resolution of any dispute that may arise from this contract, the parties submit to the jurisdiction of the competent courts. If the User is a consumer, they may file a claim before the jurisdiction determined by the specific legislation. If the User is a legal entity or a professional acting within the scope of their activity, the parties submit, with express waiver of any other jurisdiction, to the Courts and Tribunals of the city of Elche (Alicante, Spain).

BIT2ME 2025 - Spain.