BIT2ME EARN SERVICE SPECIFIC TERMS AND CONDITIONS
Last updated: 30 June 2026
This is an English translation of the original Spanish version, provided for convenience purposes only. In the event of any discrepancy, inconsistency or conflict between the two versions, the original Spanish version shall prevail and be binding for all legal purposes.
TABLE OF CONTENTS
- 1. Introduction and Purpose 4
- 2. Definitions 6
- 3. Principal and Transfer 7
- 4. Term and Maturity of the Loan 9
- 5. Ordinary interest 9
- 6. Loan Redemption and Repayment by the Lender 10
- 7. Early Repayment of the Loan by Bit2Me 11
- 8. Early Maturity and Repayment upon Contractual Default 12
- 9. Fees and Tax Withholdings 13
- 10. Assignment 15
- 11. Right of Withdrawal 16
- 12. Amendments to the Agreement and Partial Invalidity 16
- 13. Suspension of Obligations and Limitation of Liability 17
- 14. Data Protection 19
- 15. Anti-Money Laundering and Counter-Terrorist Financing (AML/CFT) 20
- 16. Specific Risk Warning for the Bit2Me Earn Product 20
- 17. Governing Rules 22
- 18. Governing Law and Jurisdiction 22
Introduction and Purpose
This agreement (the “Agreement”) is entered into between BITCOINFORME, S.L., holder of Spanish Tax Identification Number (NIF) B54835301, having its registered office at C/ Germán Bernácer 69, 03203 Elche (Alicante), Spain, a company belonging to the Bit2Me Group (hereinafter, “Bit2Me” or the “Borrower”), and the lending party (hereinafter, the “Client” or the “Lender”), upon the Client’s acceptance of these Specific Terms and Conditions.
These Specific Terms and Conditions govern the specific terms applicable to the crypto-asset loan agreement offered through the Bit2Me Earn product and set out the rights and obligations governing the contractual relationship between the Client and Bit2Me in connection with the crypto-asset lending transaction regulated herein (hereinafter, the “Agreement” or the “Loan”).
The purpose of this Agreement is to establish the terms and conditions applicable to the lending transaction pursuant to which the Client transfers certain crypto-assets to Bit2Me by way of loan, and Bit2Me undertakes to return to the Client an equivalent amount of crypto-assets of the same type and quantity, within the timeframes and under the conditions set out in this Agreement, together with the agreed remuneration in the form of interest.
This Agreement shall become effective only if all of the following conditions are satisfied:
The Client has registered on the Bit2Me Platform and has accepted Bit2Me’s General Terms and Conditions.
The Client represents and warrants that the crypto-assets used under this Agreement are lawfully owned by the Client or that the Client is otherwise fully authorised to dispose of them, free from any restriction or limitation.
The Client acts on its own behalf and for its own benefit, and not on behalf of or as representative of any third party, unless the applicable identification and verification requirements have been duly fulfilled.
The crypto-assets transferred under this Agreement are free and clear of any claim, debt, encumbrance, lien or third-party right.
The Client has successfully completed the identification and verification procedures established by Bit2Me in accordance with the applicable anti-money laundering and counter-terrorist financing legislation.
The Client is not a citizen of, resident in, or established in any jurisdiction in respect of which Bit2Me has restricted or prohibited access to this product pursuant to applicable law or its internal policies.
By accepting these Specific Terms and Conditions, the Client represents and acknowledges that all of the above conditions are satisfied. Should Bit2Me determine that the Client does not satisfy, or has ceased to satisfy, any of the foregoing requirements, Bit2Me may suspend any activity related to this Agreement and, where appropriate, restrict or terminate the Client’s access to the Bit2Me Earn product in accordance with the Platform’s General Terms and Conditions.
Furthermore, Bit2Me may, at any time and on justified grounds, including for the purpose of complying with applicable legal or regulatory obligations:
reject the Client’s request to use the Bit2Me Earn product;
amend the conditions applicable to the execution of this Agreement;
suspend, in whole or in part, the operation of the Bit2Me Earn product; or
modify, update or discontinue any feature of the product where required for technical, operational or regulatory reasons.
Without prejudice to its legal characterisation as a loan agreement under Spanish civil law, Bit2Me shall provide the Bit2Me Earn product in accordance with all laws and regulations applicable to its business activities, including, without limitation, anti-money laundering and counter-terrorist financing legislation, data protection laws, consumer protection laws, and any other applicable legal or regulatory requirements.
The transfer of crypto-assets by the Client under this Agreement shall constitute a full transfer of ownership of such crypto-assets to Bit2Me, which shall be entitled to freely use and dispose of them throughout the term of this Agreement.
As a result of such transfer, the Client shall hold exclusively a contractual claim against Bit2Me for the return of an equivalent amount of crypto-assets of the same type and quantity as those transferred, together with any interest payable pursuant to these Specific Terms and Conditions.
This Agreement governs exclusively the access to and use of the Bit2Me Earn product in its current configuration.
The Client acknowledges that this product constitutes an independent service, separate and distinct from any services previously provided by Bit2Me or by any company within its corporate group.
Accordingly, this Agreement shall not constitute a novation, substitution or assumption of any obligations or liabilities arising from previously provided services, which shall, where applicable, continue to be governed by their respective contractual terms and conditions.
Definitions
Principal Loan Credit: Accounting entry by means of which Bit2Me credits the Client with the amount corresponding to the principal of the Loan or its repayment, in accordance with the terms and conditions set forth in this Agreement.
Agreement: These Specific Terms and Conditions governing the contractual relationship between Bit2Me and the Client in connection with the Bit2Me Earn product.
Partial Redemption: Transaction whereby the Client requests the partial repayment of the outstanding balance corresponding to a specific Loan, including the principal amount and the interest accrued up to the redemption date, without withdrawing the entire balance associated with such Loan.
Full Redemption or Loan Cancellation: Transaction whereby the Client requests the full repayment of the outstanding balance corresponding to a specific Loan, including the principal amount and the accrued interest, thereby withdrawing all crypto-assets associated with such Loan.
Principal Increase: Transaction whereby the Client increases the amount of crypto-assets lent to Bit2Me under an existing Loan.
Interest Credit: Accounting entry by means of which the interest accrued on a Loan is credited to the Client’s account and, where permitted by the operation of the product, may be added to the outstanding Loan balance.
Loan Repayment: Transaction whereby the principal amount of the Loan is repaid to the Client, in whole or in part, together with the corresponding accrued interest, in accordance with the terms and conditions set forth in this Agreement.
Applicable Law: Any constitution, treaty, law, statute, regulation, directive, European Union legislation, administrative provision, judicial or administrative decision, order, decree, licence, authorisation or any other legal or regulatory requirement issued by any competent authority, together with any amendment, supplement or replacement thereof.
Bit2Me Platform: Any official website, mobile application or digital channel operated by Bit2Me, including the content, functionalities and services made available through them, as well as any updates, enhancements or subsequent versions thereof.
Loan: Transaction whereby the Client transfers certain crypto-assets to Bit2Me by way of loan, with Bit2Me undertaking to return to the Client an equivalent amount of crypto-assets of the same type and quantity, together with the corresponding interest, in accordance with the terms and conditions set forth in this Agreement.
Principal and Transfer
The principal amount of the Loan shall be transferred by the Lender in the form of crypto-assets. The crypto-assets eligible to be the subject matter of this Loan (the “Crypto-assets”) shall be those made available from time to time for the Bit2Me Earn product through the Bit2Me Platform.
The Crypto-assets available for lending, together with the economic terms applicable to each of them, including, where applicable, the corresponding interest rate or remuneration, shall be displayed on the Platform prior to the execution of each transaction, enabling the Lender to review the applicable terms before making the relevant transfer.
The Lender represents and warrants that the Crypto-assets transferred pursuant to this Agreement are lawfully owned by the Lender or that the Lender is otherwise fully authorised to dispose of them, and that such Crypto-assets are free and clear of any charge, encumbrance, lien, restriction or third-party right.
Any Crypto-asset that has not been expressly enabled on the Platform for the Bit2Me Earn product shall not be subject to this Agreement and shall not give rise to any rights hereunder.
Prior to entering into this Agreement, the Lender must be registered as a user of the Bit2Me Platform and must hold a wallet associated with its account, through which the Lender may transfer the Crypto-assets subject to the Loan and, where applicable, receive the corresponding interest, in accordance with the BIT2ME GENERAL TERMS AND CONDITIONS OF SERVICE.
The Lender shall transfer to Bit2Me the amount of Crypto-assets selected through the Platform by means of an instruction executed from the Lender’s wallet to the wallet designated by Bit2Me for such purpose.
Upon completion of such transfer, ownership of the Crypto-assets shall vest in Bit2Me in accordance with the terms of this Agreement, and Bit2Me shall be entitled to freely use and dispose of such Crypto-assets throughout the term of the Loan.
Bit2Me undertakes to return to the Lender, in accordance with the terms and conditions set forth in this Agreement, an equivalent amount of Crypto-assets of the same type and quantity as those received under the Loan, together with any interest payable pursuant to these Specific Terms and Conditions.
Bit2Me shall operate the Bit2Me Earn product in compliance with all applicable laws and regulations, including those relating to anti-money laundering and counter-terrorist financing.
Bit2Me may use its own technical infrastructure, the infrastructure of companies within the Bit2Me Group, or third-party service providers for the operational management, administration or economic use of the Crypto-assets received under the Loan, provided that this shall not affect the status of BITCOINFORME, S.L. as the sole borrower vis-à-vis the Client
Term and Maturity of the Loan
The Loan shall have an initial term of eighteen (18) months and shall be automatically renewed for successive periods of eighteen (18) months unless either Party notifies the other of its intention not to renew it in accordance with the provisions of this Agreement.
The initial term of eighteen (18) months set out in this Clause governs the overall duration of the contractual relationship between the Parties and the availability of the Bit2Me Earn product, without prejudice to the right of either the Client or Bit2Me to request or effect redemptions, repayments or early cancellations at any time in accordance with these Specific Terms and Conditions.
In the event of an early repayment or cancellation of the Loan by Bit2Me, Bit2Me shall return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received under the Loan, together with any interest accrued up to the effective date of such repayment or cancellation, subject, where applicable, to any legally required tax withholdings.
Ordinary interest
Under this crypto-asset loan agreement, Bit2Me shall pay the Lender interest as consideration for the crypto-assets made available under the Loan.
Interest shall be calculated on the outstanding principal amount of the Loan in accordance with the economic terms applicable to each Crypto-asset and each individual transaction. Such terms shall be made available on the Bit2Me Platform prior to the execution of the relevant transaction.
Interest shall accrue on the outstanding principal balance and may be calculated through automated periodic accrual processes in accordance with the operational parameters established on the Platform.
The annual nominal interest rate applicable to each transaction may consist of the following components:
Base Interest Rate: Each Crypto-asset available under the Bit2Me Earn product may be assigned a base interest rate applicable to the principal amount of the Loan, which shall be published on the Bit2Me Platform from time to time. Under no circumstances shall the published base interest rate applicable to any transaction be lower than 0.01% per annum, unless otherwise required by applicable law or by the specific terms governing the relevant product.
Space Center Bonus: The applicable interest rate may be increased through bonuses linked to the Client’s loyalty level under Bit2Me’s Space Center programme. The applicable bonuses shall be displayed on the Bit2Me Platform at all times.
Variable Interest Rate: Bit2Me may apply a variable interest component based on market conditions, product demand, available liquidity, funding conditions or risk management criteria applicable to the product. Such component may vary throughout the term of the Loan and shall be reflected on the Bit2Me Platform.
Accrued interest may be added to the outstanding Loan balance in accordance with the operational features of the product and may generate an Annual Percentage Yield (APY) based on the periodic compounding of interest.
The interest rate applicable to each transaction, together with any applicable bonus or variable component, shall be displayed on the Bit2Me Platform prior to the execution of the relevant transaction. The frequency of interest settlement or crediting shall be that indicated on the Platform for each Crypto-asset and may be daily, weekly or at such other intervals as may be established from time to time.
Interest shall be paid in the same type of Crypto-asset that is the subject of the Loan or, where the Platform permits and the Client expressly elects to do so, in the B2M Token. The economic terms published on the Platform are provided for informational purposes only and may be amended from time to time in response to market conditions. They shall not constitute a guarantee of future returns.
Loan Redemption and Repayment by the Lender
6.1 Full Redemption
The Lender may, at any time, request the full redemption of the Loan granted to Bit2Me by submitting the corresponding request through the Bit2Me Platform.
Upon submission of the redemption request, interest shall cease to accrue on the amount subject to redemption, and the corresponding amounts shall be calculated and settled, including the outstanding principal and the interest accrued up to the date of the request, in accordance with the economic terms applicable to the product and the provisions set out in the Ordinary Interest clause of these Specific Terms and Conditions.
Bit2Me shall repay the Lender by returning an equivalent amount of crypto-assets of the same type and quantity as those received under the Loan, together with the corresponding interest, within an estimated period of between one (1) and five (5) Business Days following receipt of the redemption request, unless technical, operational or security-related circumstances justify a reasonable extension of such period.
The amounts paid shall, where applicable, be subject to the tax withholdings required under the relevant provisions of these Specific Terms and Conditions.
6.2 Partial Redemption
The Lender may also request partial redemptions of the Loan through the Bit2Me Platform.
In the event of a partial redemption, the accrued interest shall be calculated on a pro rata basis in respect of the amount subject to redemption up to the date of the request.
The remaining principal shall continue to accrue interest in accordance with the economic terms applicable to the product and these Specific Terms and Conditions
6.3 Information and Transaction Details
The Lender shall have continuous access, through the Bit2Me Platform, to a detailed record of all transactions, including the outstanding Loan balance, accrued interest, redemptions made and any tax withholdings applied, in accordance with applicable law.
Early Repayment of the Loan by Bit2Me
Bit2Me, in its capacity as the Borrower, may, at any time, effect an early repayment of the Loan, in whole or in part, without any penalty being payable to the Lender.
In order to exercise this right, Bit2Me shall notify the Lender, through the Bit2Me Platform or any other communication channels made available for such purpose, of its intention to repay the Loan early by giving not less than five (5) Business Days’ prior notice before the effective date of such repayment, unless technical, operational or regulatory circumstances require the immediate implementation of such measure.
The notice shall expressly state whether the early repayment is to be made in full or in part and, in the latter case, shall specify the amount to be repaid.
In the event of a full early repayment, Bit2Me shall return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received under the Loan, together with the interest accrued up to the effective date of such repayment, subject, where applicable, to any legally required tax withholdings.
In the event of a partial early repayment, Bit2Me shall return to the Lender the corresponding proportion of the principal repaid, together with the interest accrued thereon up to the effective date of such repayment, while the remaining outstanding principal shall continue to accrue interest in accordance with these Specific Terms and Conditions.
Upon full early repayment, this Agreement shall automatically terminate once the Loan has been repaid in full together with the corresponding accrued interest, without prejudice to any tax obligations or other obligations that may survive pursuant to applicable law.
The Lender shall have continuous access, through the Bit2Me Platform, to an updated record of all transactions, including the outstanding principal, accrued interest, repayments made and any tax withholdings applied.
In the event of any technical incident or error affecting the repayment process, the Parties shall cooperate in good faith to remedy such incident promptly and to ensure the proper completion of the relevant transactions.
Early Maturity and Repayment upon Contractual Default
In the event of a material breach by the Lender of any of its obligations under this Agreement, the Bit2Me Platform General Terms and Conditions, or applicable law, Bit2Me may declare the Loan immediately due and payable and proceed with its full repayment.
In such event, Bit2Me shall notify the Lender accordingly through the Bit2Me Platform or by any other communication channel made available for such purpose.
As a consequence of such early maturity, Bit2Me shall return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received under the Loan and remaining outstanding, together with the interest accrued up to the effective date of repayment, subject, where applicable, to any legally required tax withholdings.
Any early repayment resulting from the Lender’s contractual default shall not give rise to any penalty payable by the Lender in respect of the amounts to be returned pursuant to this Agreement.
The foregoing is without prejudice to any legal remedies available to Bit2Me to claim compensation for any loss or damage arising from the Lender’s breach, as well as to any other measures that may be necessary to ensure compliance with applicable law or to protect the Platform and its users.
Where the Loan is repaid in full as a result of such early maturity, this Agreement shall automatically terminate upon completion of the corresponding repayment.
Fees and Tax Withholdings
9.1 Personal Income Tax (IRPF) Withholding
In accordance with the tax laws in force in Spain, interest generated under this crypto-asset loan agreement may be subject to withholding on account of Spanish Personal Income Tax (Impuesto sobre la Renta de las Personas Físicas – IRPF) or any other taxes applicable under the relevant tax legislation.
Where required, Bit2Me shall withhold the corresponding amount from the interest paid to the Lender, acting in its capacity as the statutory withholding agent, and shall remit such amount to the Spanish State Tax Administration Agency (Agencia Estatal de Administración Tributaria – AEAT) or the relevant competent tax authority.
For the purposes of this Agreement, tax withholding shall mean the amount that Bit2Me is required to deduct from the interest paid to the Lender and remit directly to the relevant tax authority in compliance with the applicable tax legislation.
The withholding shall be made when the interest is effectively paid to the Lender, which shall occur when the Lender requests the full or partial repayment of the principal together with the accrued interest.
In the event of a partial repayment, the withholding shall be applied on a pro rata basis to the interest included in the amount subject to repayment, in accordance with the calculation methodology established by Bit2Me and displayed on the Platform.
Where applicable, Bit2Me shall provide the Lender with the corresponding withholding tax certificate in accordance with the applicable tax legislation.
The Lender shall remain solely responsible for complying with all tax obligations arising from the interest received under this Agreement, including the correct reporting of such interest in the relevant tax returns.
Bit2Me shall bear no responsibility for the Lender’s tax obligations other than the deduction and remittance of any tax withholdings required by law.
Any amendment to the applicable tax legislation shall automatically apply from its effective date and may be communicated to the Lender through the Bit2Me Platform or by any other communication channels made available for such purpose.
The Lender may view the balance of accrued interest at any time through the Bit2Me Platform. However, such interest shall only be deemed to have been paid, and therefore become subject to tax withholding, upon the full or partial repayment of the corresponding principal together with the accrued interest.
9.2 Tax Withholding Applicable to Non-Spanish Tax Residents
As a general rule, Bit2Me shall apply a 19% withholding tax to interest paid to Lenders who do not provide evidence of their tax residence in Spain, in compliance with its obligations as a statutory withholding agent under the Spanish Non-Resident Income Tax Act (Impuesto sobre la Renta de No Residentes – IRNR) and any other applicable tax legislation.
Notwithstanding the foregoing, any Lender wishing to benefit from an exemption or a reduced withholding tax rate must, prior to the payment of the relevant interest, provide a valid tax residence certificate issued by the competent tax authority of its country of residence. Such certificate shall be subject to internal review and validation by Bit2Me and, once its authenticity and validity have been verified, Bit2Me shall apply the corresponding tax treatment through the Platform. The tax residence certificate shall remain valid for a maximum period of twelve (12) months from its date of issue, after which the Lender must provide a new certificate in order to maintain the applicable tax treatment.
Where no valid tax residence certificate has been provided, or where the certificate has expired, Bit2Me shall apply the 19% withholding tax as the default rate.
9.3 Fees
No fees or charges shall be payable by the Lender in connection with this Agreement other than those expressly provided for in these Specific Terms and Conditions or those arising from the operation of the blockchain networks used to transfer Crypto-assets, including network fees or similar blockchain transaction fees, which shall be disclosed to the Lender in advance through the Bit2Me Platform.
Assignment
Bit2Me may assign, transfer or otherwise dispose of, in whole or in part, this Agreement or any of its rights and obligations hereunder to any company within the Bit2Me Group, including, without limitation, in connection with any corporate reorganisation, group restructuring, or the transfer of the business or activities relating to the Bit2Me Earn product.
Any such assignment or transfer shall not adversely affect the rights of the Lender under this Agreement.
Bit2Me shall notify the Lender of any such assignment through the Bit2Me Platform or by any other communication channel made available for such purpose. Upon such assignment, the new assignee shall assume all rights and obligations arising under this Agreement on the same terms and conditions.
Right of Withdrawal
The Lender (the Client) shall have the right to withdraw from this Agreement, without giving any reason, within fourteen (14) calendar days from the date on which this Agreement is concluded or from the activation of the first Loan transaction under the Bit2Me Earn product, whichever occurs later.
The right of withdrawal may be exercised through the Bit2Me Platform or by using any other communication channels made available by Bit2Me for that purpose.
Where the Lender exercises the right of withdrawal, Bit2Me shall return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received under the Loan, together with the interest accrued up to the effective date of repayment, subject, where applicable, to any tax withholdings required by applicable law.
The repayment shall be made without undue delay and, in any event, no later than fourteen (14) calendar days following Bit2Me’s receipt of the withdrawal request.
Bit2Me shall not charge the Lender any fee, commission or penalty for exercising the right of withdrawal, except for the costs inherent to the operation of the blockchain networks used for the transfer of the crypto-assets, which, where applicable, shall be disclosed to the Lender in advance through the Bit2Me Platform.
Amendments to the Agreement and Partial Invalidity
Bit2Me may amend these Specific Terms and Conditions where there are justified grounds for doing so. Justified grounds shall include, without limitation:
the entry into force of any law or regulation affecting the service or Bit2Me’s business activities;
significant changes in the technological environment or in the crypto-asset market requiring the adaptation of the service; or
the introduction of technical or operational improvements or new functionalities to the Bit2Me Earn product.
Any amendment to these Specific Terms and Conditions shall be notified to the Client through the Bit2Me Platform, the email address associated with the Client’s account, or any other communication channel made available for such purpose, at least fifteen (15) calendar days before such amendment becomes effective.
Such notification shall inform the Client of its right to terminate this Agreement, free of charge, before the effective date of the relevant amendment.
If the Client does not notify Bit2Me of its intention to terminate this Agreement and continues to use the Bit2Me Earn product after the amendments have become effective, the Client shall be deemed to have accepted the amended contractual terms.
This Agreement constitutes the entire agreement between the Parties with respect to the Bit2Me Earn product and supersedes all prior agreements, communications, negotiations, understandings or arrangements relating thereto.
The failure or delay by either Party to exercise any right or remedy under this Agreement shall not constitute a waiver of such right or remedy, nor shall it prevent that Party from exercising it at a later time.
If any provision of this Agreement is held to be wholly or partially invalid, illegal or unenforceable, such invalidity, illegality or unenforceability shall affect only the relevant provision, or the affected part thereof, and the remainder of this Agreement shall continue in full force and effect.
In such event, the Parties shall use their reasonable endeavours to replace the affected provision with a valid and enforceable provision that reflects, to the greatest extent possible, the original legal and commercial intent of the Parties.
Suspension of Obligations and Limitation of Liability
Without prejudice to the provisions of the BIT2ME GENERAL TERMS AND CONDITIONS OF SERVICE, neither Party shall be liable to the other for any indirect, incidental or consequential damages, loss of profits, loss of revenue, loss of data or any similar losses arising out of or in connection with the performance of this Agreement, except in cases of fraud, wilful misconduct or gross negligence, or where such liability cannot be excluded under applicable law.
Bit2Me shall be liable solely for the proper provision of the service in accordance with these Specific Terms and Conditions. Under no circumstances shall Bit2Me be liable for any misuse of the Client’s account, including any unauthorised use resulting from the Client’s failure to exercise due care in safeguarding its access credentials. The Client shall remain solely responsible for maintaining the confidentiality and security of such credentials.
In exceptional circumstances that may compromise the security of the assets, the integrity of the Platform or the operational stability of the service, Bit2Me may temporarily suspend the payment of interest and the repayment of the Crypto-assets.
For the purposes of this Clause, circumstances that may justify the temporary suspension of the service shall include, without limitation:
the detection of a cyberattack or security incident that compromises, or may compromise, Bit2Me’s systems or the security of Clients’ assets;
the existence of an order or requirement issued by a competent judicial, administrative or regulatory authority;
the occurrence of serious technical failures affecting the blockchain networks used or the underlying protocols, preventing or jeopardising the secure execution of transactions;
the suspension of withdrawals, insolvency or serious operational issues affecting any third-party service provider, custodian or technological infrastructure used by Bit2Me; or
any other extraordinary, unforeseeable circumstance beyond Bit2Me’s reasonable control that materially affects the secure, continuous or legally compliant provision of the Bit2Me Earn service.
Bit2Me shall at all times act reasonably, proportionately and in good faith, limiting any suspension to the scope and duration strictly necessary, and shall keep affected Clients appropriately informed of the progress of the incident and the measures adopted.
Any suspension shall be limited to the period strictly necessary to resolve the relevant incident, and Bit2Me shall take all reasonable steps to restore the service as soon as reasonably practicable.
Where the circumstances giving rise to the suspension continue for a significant period, Bit2Me shall inform the affected Clients through the Platform or through its usual communication channels, providing updates on the status of the incident and, where reasonably possible, an estimated timeframe for the restoration of the service.
Data Protection
In accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (the “GDPR”), Spanish Organic Law 3/2018 of 5 December on the Protection of Personal Data and the Guarantee of Digital Rights (the “LOPDGDD”), and any other applicable data protection legislation, the privacy and data protection rights of users and consumers shall be respected at all times. Bit2Me shall provide transparent, concise, intelligible and easily accessible information regarding the means, purposes, processing operations and any other matters relating to the processing of their personal data.
Bit2Me shall process personal data at all times in its capacity as data controller. By subscribing to the services, the Client expressly acknowledges and accepts the processing of its personal data as described in Bit2Me’s Privacy Policy, available at https://bit2me.com/es/legal/privacidad.
The Client shall have the right to access its personal data, rectify inaccurate personal data, and request the erasure, restriction of processing, object to the processing, and request the portability of its personal data. To exercise any of these rights, the Client must submit a request expressly identifying the right to be exercised.
The Client is further informed of the right to lodge a complaint with the Spanish Data Protection Agency (Agencia Española de Protección de Datos – AEPD) and to object to the processing of personal data for direct marketing purposes.
For any matters relating to the processing of personal data by Bit2Me, Clients may contact Bit2Me’s Data Protection Officer (DPO) by email at dpd@bit2me.com.
Anti-Money Laundering and Counter-Terrorist Financing (AML/CFT)
Bit2Me is an entity subject to Spanish Law 10/2010 of 28 April on the Prevention of Money Laundering and Terrorist Financing, together with its implementing regulations, and complies with all obligations imposed thereunder.
In accordance with the BIT2ME GENERAL TERMS AND CONDITIONS OF SERVICE, Bit2Me may carry out any checks, verifications and controls it considers necessary for the purposes of preventing money laundering, terrorist financing and other financial crimes.
The Client undertakes to provide all information and documentation that may be requested from time to time, both during the onboarding process and throughout the duration of the contractual relationship, including any information required to identify the purpose and intended nature of the business relationship.
Bit2Me may, at any time, request additional information or documentation, either directly from the Client or through third parties, where necessary to comply with its legal and regulatory obligations.
Failure to provide the requested information or documentation, the provision of incomplete or inaccurate information, or the existence of indications or suspicions of money laundering or terrorist financing may result in the suspension of the Client’s activities, the restriction of access to the service, or the termination of this Agreement, without prejudice to any other measures required or permitted under applicable law.
Specific Risk Warning for the Bit2Me Earn Product
Governing Rules
This Loan Agreement shall be governed by (i) these Specific Terms and Conditions and, where not expressly provided herein, (ii) the Bit2Me General Terms and Conditions of Service, and (iii) the applicable laws of Spain.
Governing Law and Jurisdiction
These Specific Terms and Conditions shall be governed by and construed in accordance with the laws of Spain, in particular those governing loan agreements and crypto-asset transactions, without prejudice to any specific provisions applicable to anti-money laundering and counter-terrorist financing, personal data protection, consumer protection, or any other applicable legal or regulatory requirements.
In the event of any dispute, controversy or claim arising out of or in connection with the interpretation or performance of these Specific Terms and Conditions, the Parties expressly submit to the exclusive jurisdiction of the courts of the city of residence of the Lender, waiving any other jurisdiction that might otherwise be available to them, unless a different jurisdiction is mandatorily required under applicable law.
The Parties agree that any legal proceedings shall be conducted in the Spanish language, which shall also constitute the governing language for the interpretation of these Specific Terms and Conditions and for the resolution of any dispute arising out of or in connection with them.
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