SPECIFIC TERMS AND CONDITIONS FOR THE BIT2ME EARN SERVICE
Last updated: 06/30/2026
TABLE OF CONTENTS
- 1. Introduction and purpose 4
- 2. Definitions 6
- 3. Capital and delivery 7
- 4. Loan term. Maturity 9
- 5. Ordinary interest 9
- 6. Settlement and repayment of the loan by the Lender 11
- 7. Early loan repayment by Bit2Me 12
- 8. Early maturity and repayment due to breach of contract 13
- 9. Expenses and withholdings 14
- 10. Assignment 16
- 11. Right of withdrawal 16
- 12. Contract modification and partial nullity 17
- 13. Suspension of obligations and limitation of liability 18
- 14. Data protection 20
- 15. Prevention of money laundering and terrorist financing (AML/CTF) 20
- 16. Specific risk warning for EARN 21
- 17. Applicable regulations 22
- 18. Jurisdiction and applicable law 22
Introduction and purpose
This agreement ("Agreement") is entered into between BITCOINFORME, S.L., with Tax ID (NIF): B54835301 and registered address at C/ Germán Bernácer 69, 03203 - Elche, Alicante, a company belonging to the Bit2Me Group (hereinafter referred to as "Bit2Me" or "Borrower"), and the lending party (hereinafter referred to as the "Client" or "Lender") through the Client's acceptance of these Terms and Conditions.
These Terms and Conditions govern the specific conditions of the crypto-asset loan agreement offered through the Bit2Me Earn product, and establish the rights and obligations that will regulate the contractual relationship between the Client and Bit2Me in relation to the crypto-asset loan operation detailed herein (hereinafter, the "Agreement" or the "Loan").
The purpose of this Agreement is to regulate the terms and conditions applicable to the loan operation whereby the Client transfers certain crypto-assets to Bit2Me as a loan, with Bit2Me committing to return to the Client an equivalent amount of crypto-assets of the same type and quantity within the deadlines and under the conditions established in this Agreement, along with the agreed remuneration as interest.
This Agreement will take effect only when the following conditions are cumulatively met:
The Client must have registered on the Bit2Me platform and accepted Bit2Me's General Terms and Conditions.
The Client declares and warrants that the crypto-assets used within the framework of this Agreement are legitimately owned by them or that they are fully authorized to dispose of them, without restrictions or limitations.
The Client acts on their own behalf and for their own benefit, and not on behalf or representation of third parties, unless they have complied with the identification and verification requirements mandated by applicable regulations.
The crypto-assets contributed to the Agreement are free from any claims, debts, charges, encumbrances, or third-party rights.
The Client has successfully completed the identification and verification procedures established by Bit2Me in accordance with applicable anti-money laundering and terrorist financing regulations.
The Client is not a citizen, resident, or established in jurisdictions for which Bit2Me has restricted or prohibited access to this product in accordance with applicable regulations or its internal policies.
By accepting these Terms and Conditions, the Client declares and acknowledges compliance with all the aforementioned conditions. Should Bit2Me determine that the Client does not meet or has ceased to meet any of the above requirements, Bit2Me may suspend operations linked to this Agreement and, if applicable, limit or cancel 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 for justified reasons, including compliance with legal or regulatory obligations:
reject the Client's application to use the Bit2Me Earn product services;
modify the conditions applicable to the contracting of this Agreement;
totally or partially suspend the operations associated with the Bit2Me Earn product;
modify, update, or remove any product feature when necessary due to technical, operational, or regulatory reasons.
Without prejudice to its classification as a loan agreement under Spanish civil law, Bit2Me will develop this product in accordance with the applicable regulations for its activity at all times, including anti-money laundering and terrorist financing regulations, data protection regulations, consumer and user protection regulations, and any other legal or regulatory provisions that may be enforceable.
The transfer of crypto-assets by the Client within the framework of this Agreement will imply the full transfer of ownership of said crypto-assets to Bit2Me, who may freely dispose of them during the term of the Agreement.
As a consequence of this transfer, the Client will hold exclusively a credit right against Bit2Me for an equivalent amount of crypto-assets of the same type and quantity as those delivered, along with the corresponding interest as provided in these Terms and Conditions.
This Agreement exclusively governs the access and use of the Bit2Me Earn product in its current configuration.
The Client acknowledges that this product constitutes an independent and differentiated service from any services previously provided by Bit2Me or entities within its group.
Consequently, this Agreement does not imply the novation, subrogation, or assumption of obligations or liabilities derived from previous services, which will be governed, if applicable, by their own terms and conditions.
Definitions
Principal/Loan Payment: Accounting record by which Bit2Me credits the Client with the amount corresponding to the loan principal or its repayment, in accordance with the conditions stipulated in this Agreement.
Agreement: These Terms and Conditions that regulate the contractual relationship between Bit2Me and the Client regarding the Bit2Me Earn product.
Partial Settlement: An operation by which the Client requests a partial repayment of the accumulated balance corresponding to a specific loan operation, including the principal and accrued interest up to the settlement date, without withdrawing the entire existing balance of that operation.
Full Settlement or Loan Cancellation: An operation by which the Client requests a full repayment of the accumulated balance corresponding to a specific loan operation, including the principal and accrued interest, withdrawing all crypto-assets associated with that operation.
Principal/Loan Increase: An operation by which the Client increases the amount of crypto-assets lent to Bit2Me within the framework of an existing loan operation.
Interest Settlement: An accounting record by which interest accrued on a loan operation is posted to the Client's account, and may be incorporated into the loan balance when permitted by the product's operation.
Loan Amortization: An operation by which the total or partial return of the loan principal to the Client, along with the corresponding accrued interest, is carried out, in accordance with the conditions established in this Agreement.
Regulations: Any constitution, treaty, law, regulation, directive, European regulation, administrative provision, judicial or administrative resolution, order, decree, license, authorization, or any other legal or regulatory requirement issued by a competent authority, as well as any modification or update thereof.
Bit2Me Platform: Any official website, mobile application, or digital channel operated by Bit2Me, including the content, functionalities, and services available through them, as well as their updates, enhancements, or later versions.
Loan: An operation by which the Client transfers certain crypto-assets to Bit2Me as a loan, with Bit2Me committing to return to the Client an equivalent amount of crypto-assets of the same type and quantity along with the corresponding interest, as provided in this Agreement.
Capital and delivery
The loan capital must be delivered by the Lender in crypto-assets. The crypto-assets that may be subject to this loan (hereinafter, the "Crypto-assets") will be those enabled at any given time for the Bit2Me Earn product through the Bit2Me Platform.
The identification of available Crypto-assets, as well as the economic conditions applicable to each of them, including, where appropriate, the interest rate or corresponding remuneration, will be displayed on the Platform prior to the formalization of each operation, so that the Lender can be aware of the applicable conditions before making the corresponding transfer.
The Lender declares and warrants that the Crypto-assets delivered under this Agreement are legitimately owned by them or that they are fully authorized to dispose of them, and that said Crypto-assets are free from any charges, liens, limitations, or third-party rights.
Any Crypto-asset not expressly enabled on the Platform for the Bit2Me Earn product will not be subject to this Agreement nor generate any rights within its framework.
Prior to signing this Agreement, the Lender must be registered as a user of the Bit2Me Platform and have a wallet associated with their account, through which they can transfer the Crypto-assets subject to the loan and, where applicable, receive the corresponding interest, as provided in Bit2Me's GENERAL TERMS AND CONDITIONS OF SERVICES.
The Lender will transfer the amount of Crypto-assets selected on the Platform to Bit2Me via an order executed from their wallet to the wallet designated by Bit2Me for that purpose.
Once this transfer is made, the Crypto-assets will become part of Bit2Me's assets under the terms provided in this Agreement, with Bit2Me acquiring the right to freely dispose of them during the loan's term.
Bit2Me undertakes to return to the Lender, under the terms and conditions established in this Agreement, an equivalent amount of Crypto-assets of the same type and quantity as those received as a loan, along with the corresponding interest as provided in these Terms and Conditions.
Bit2Me will conduct the operations of this product in accordance with applicable regulations, including those related to anti-money laundering and terrorist financing.
Bit2Me may use its own technical infrastructure or that of companies within its group, as well as external providers, for the operational management, administration, or economic use of the crypto-assets received as a loan, without this altering BITCOINFORME, S.L.'s status as the sole borrower vis-à-vis the Client.
Loan term. Maturity
The loan will have an initial term of eighteen (18) months, automatically renewable for successive periods of eighteen (18) months, unless either Party communicates its intention not to renew it as provided in this Agreement.
The initial term of eighteen (18) months set forth in this clause regulates the general validity of the contractual relationship between the Parties and the availability of the Bit2Me Earn product, without prejudice to the Client's and Bit2Me's right to request or execute early settlements, amortizations, or cancellations at any time as provided in these Terms and Conditions.
In the event of early repayment or cancellation of the loan by Bit2Me, it must return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received as a loan, along with the interest accrued up to the effective date of repayment or cancellation, applying any legally required tax withholdings.
Ordinary interest
This crypto-asset loan agreement stipulates that Bit2Me will pay the Lender remuneration in the form of interest as consideration for the crypto-assets provided as a loan.
Interest will be calculated on the amount of capital lent in accordance with the economic conditions applicable to each crypto-asset and each specific operation, which will be available at all times on the Bit2Me Platform prior to the formalization of the operation.
Interest will accrue on the outstanding loan principal and may be calculated through automated periodic accumulation processes in accordance with the operational parameters established on the Platform.
The nominal annual interest applicable to each operation may consist of the following elements:
Base interest: Each crypto-asset available in the Bit2Me Earn product may have a base interest rate associated with the capital lent, which will be published on the Bit2Me Platform at all times. In no case will the base interest rate published for an operation be less than 0.01% per annum, unless applicable regulations or specific product conditions dictate otherwise.
Space Center Bonus: The applicable interest rate may be increased through bonuses associated with the Client's loyalty level within Bit2Me's Space Center program. Applicable bonuses will be displayed on the Bit2Me Platform at all times.
Variable Interest: Bit2Me may apply a variable interest component that will depend on market conditions, product demand, liquidity availability, financing conditions, or risk management criteria associated with the product. This component may vary during the life of the loan and will be reflected on the Bit2Me Platform.
Accrued interest may be incorporated into the loan balance in accordance with the product's operation, potentially generating an annual percentage yield (APY) based on the periodic compounding of interest.
The interest percentage applicable to each operation, as well as any bonus or variable component, will be visible at all times on the Bit2Me Platform before the operation is formalized. The frequency of interest settlement or payment will be as indicated on the Platform for each crypto-asset and may be daily, weekly, or at any other frequency established at the time.
Interest will be paid in the same type of crypto-asset as the loan or, when permitted by the Platform and expressly selected by the Client, in B2M tokens. The economic conditions published on the Platform are for informational purposes and may change based on market conditions, without constituting a guarantee of future profitability.
Settlement and repayment of the loan by the Lender
6.1 Full repayment
The Lender may at any time request the full repayment of the loan granted to Bit2Me by submitting the corresponding request through the Bit2Me Platform.
Once the repayment request is made, interest will cease to accrue on the amount subject to settlement, and the corresponding amounts will be calculated and settled, including the principal lent and interest accrued up to the date of the request, in accordance with the economic conditions applicable to the product and as stipulated in the Ordinary Interest clause of these Terms and Conditions.
Bit2Me will make the repayment to the Lender by returning an equivalent amount of crypto-assets of the same type and quantity as those received as a loan, along with the corresponding interest, within an estimated period of one (1) to five (5) business days from the receipt of the request, unless technical, operational, or security circumstances justify a reasonable extension of this period.
The amounts paid will be subject, where applicable, to the applicable tax withholdings as established in the corresponding clause of these Terms and Conditions.
6.2 Partial repayment
The Lender may also request partial loan repayments through the Bit2Me Platform.
In the case of partial repayment, accrued interest will be calculated proportionally to the amount subject to settlement up to the date of the request.
The remaining principal will continue to accrue interest in accordance with the economic conditions applicable to the product and as stipulated in these Terms and Conditions.
6.3 Information and breakdown
The Lender will have permanent access, through the Bit2Me Platform, to a detailed breakdown of operations carried out, including the loan balance, accrued interest, repayments made, and tax withholdings applied, in accordance with applicable regulations.
Early loan repayment by Bit2Me
Bit2Me, as the Borrower, may at any time proceed with the early total or partial repayment of the crypto-asset loan, without this entailing any penalty for the Lender.
To exercise this right, Bit2Me will notify the Lender, through the Bit2Me Platform or other communication channels enabled thereon, of its intention to proceed with early loan repayment with a minimum of five (5) business days' notice before the effective date of repayment, unless technical, operational, or regulatory circumstances arise that justify immediate action.
The notification must expressly indicate whether the repayment is total or partial and, in the latter case, the specific amount subject to repayment.
In the case of full repayment, Bit2Me will return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received as a loan, along with the interest accrued up to the effective date of repayment, applying any legally required tax withholdings.
In the case of partial repayment, Bit2Me will return to the Lender the proportional part of the amortized principal, along with the corresponding interest accrued up to the effective date of repayment, with the remainder of the lent principal continuing to generate interest as provided in these Terms and Conditions.
In the case of full repayment, this Agreement will be considered terminated once the full repayment of the loan and corresponding interest has been made, without prejudice to any tax or other obligations that may subsist under applicable regulations.
The Lender will have permanent access, through the Bit2Me Platform, to an updated breakdown of operations carried out, including the principal lent, accrued interest, repayments made, and tax withholdings applied.
In the event of a technical incident or error in the repayment process, the Parties undertake to collaborate in good faith for its prompt rectification and for the correct execution of the corresponding operations.
Early maturity and repayment due to breach of contract
In the event of a serious breach by the Lender of any of the obligations established in this Agreement, in the Bit2Me Platform's General Terms and Conditions, or in applicable regulations, Bit2Me may declare the early maturity of the loan and proceed with its full repayment.
In such a case, Bit2Me will notify the Lender of this circumstance through the Bit2Me Platform or other communication channels enabled thereon.
As a consequence of early maturity, Bit2Me will return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received as a loan and pending return, along with the interest accrued up to the effective date of repayment, applying any legally required tax withholdings.
Early repayment resulting from a breach of contract will not entail any penalty for the Lender regarding the amounts to be returned under this Agreement.
The foregoing is without prejudice to any legal actions that Bit2Me may take to claim damages arising from the Lender's breach, as well as any other measures necessary to ensure compliance with applicable regulations or the protection of the Platform and its users.
Should the loan be fully repaid as a result of early maturity, this Agreement will be considered terminated once the corresponding repayment has been made.
Expenses and withholdings
9.1 Personal income tax (IRPF) withholding
In accordance with current tax regulations in Spain, interest generated under this crypto-asset loan agreement may be subject to withholding tax for Personal Income Tax (IRPF) or other applicable taxes under current tax law.
Bit2Me will, where applicable, apply the corresponding withholding on interest settled to the Lender, acting as the withholding agent, and will proceed with its payment to the State Tax Administration Agency (AEAT) or the competent tax authority.
For the purposes of this agreement, withholding tax shall mean the amount that Bit2Me must deduct from the interest settled to the Lender and pay directly to the corresponding tax authority in compliance with applicable tax regulations.
The withholding will be applied at the moment the interest is effectively settled in favor of the Lender, which will occur when the Lender requests total or partial repayment of the loaned capital together with the accrued interest.
In the case of partial repayment, the withholding will be applied proportionally to the interest included in the amount subject to settlement, in accordance with the calculation criteria established by Bit2Me and visible on the Platform.
Bit2Me will provide the Lender, when applicable, with the certificate of withholdings and payments on account in accordance with current tax legislation.
The Lender will be responsible for complying with their tax obligations arising from the interest obtained under this agreement, including the correct declaration of the received interest in their corresponding tax return.
Bit2Me will not assume any responsibility regarding the Lender's tax obligations, beyond applying and remitting legally required withholdings.
Any modification to applicable tax regulations will be automatically applied from its effective date and may be communicated to the Lender through the Bit2Me Platform or other enabled communication channels.
The Lender can view the balance of generated interest at any time through the Bit2Me Platform. However, such interest will only be considered settled and subject to tax withholding when its total or partial repayment occurs along with the corresponding capital.
9.2 Withholding applicable to non-tax residents in Spain
Generally, Bit2Me will apply a 19% withholding on interest settled to Lenders who do not prove their tax residency in Spain, in compliance with its obligations as a withholding agent under the Revised Text of the Non-Resident Income Tax Law (IRNR) and other applicable tax regulations.
Notwithstanding the above, any Lender wishing to benefit from an exemption or reduced withholding rate must provide, prior to interest settlement, a valid tax residency certificate issued by the competent tax authority of their country of residence. This certificate will be subject to internal review and validation by the Bit2Me team, who, once its authenticity and validity are verified, will proceed to apply the corresponding tax treatment on the Platform. The tax residency certificate will be valid for a maximum of twelve (12) months from its issue date, after which the Lender must provide a new one to maintain the applied tax treatment.
In the absence of a valid or current certificate, Bit2Me will generally apply the 19% withholding.
9.3 Expenses
There will be no additional expenses or commissions charged to the Lender in relation to this agreement, except for those expressly provided in these Terms and Conditions or those that may arise from the operation of the blockchain networks used for crypto-asset transfers, such as network fees or gas fees, which will be communicated to the Lender in advance through the Bit2Me Platform.
Assignment
Bit2Me may assign, transmit, or transfer, in whole or in part, this Agreement or any of the rights and obligations derived therefrom, to any company belonging to the Bit2Me Group, including in particular cases of corporate reorganization, group restructuring, or transfer of the activity or business related to the Bit2Me Earn product.
Such assignment will not affect the Lender's rights recognized in this Agreement.
Bit2Me will inform the Lender of such assignment through the Bit2Me Platform or any other enabled communication channel, with the understanding that the new assignee will fully assume the obligations derived from this Agreement under the same terms and conditions.
Right of withdrawal
The Lender (Client) will have the right to withdraw from this Agreement without needing to state any reason within a period of fourteen (14) calendar days, counting from the date of the Agreement's conclusion or from the activation of the first loan operation within the Bit2Me Earn product.
The right of withdrawal may be exercised through the Bit2Me Platform or via the communication channels enabled by Bit2Me for this purpose.
In the event of exercising the right of withdrawal, Bit2Me will return to the Lender an equivalent amount of crypto-assets of the same type and quantity as those received as a loan, along with the interest accrued up to the effective date of repayment, applying any legally required tax withholdings in accordance with applicable regulations.
Repayment will be made without undue delay and, in any case, within a maximum period of fourteen (14) calendar days from Bit2Me's receipt of the withdrawal request.
Bit2Me may not demand any expense, commission, or penalty from the Lender for exercising the right of withdrawal, except for the costs inherent to the operation of the blockchain networks used for the transfer of crypto-assets, which will be duly informed to the Lender through the Bit2Me Platform if applicable.
Contract modification and partial nullity
Bit2Me may modify these Terms and Conditions when there is a justified reason to do so. Justified reasons will include, among others:
the entry into force of legal or regulatory provisions affecting the service or Bit2Me's activity;
significant changes in the technological environment or the crypto-asset market requiring adaptation of the service;
the introduction of technical or operational improvements or new functionalities in the Bit2Me Earn product.
Any modification to these Terms and Conditions will be communicated to the Client through the Bit2Me Platform, the email associated with their account, or any other enabled communication channel, with a minimum of fifteen (15) calendar days' notice prior to its effective date.
This communication will inform the Client of their right to terminate the Agreement free of charge before the modification's effective date.
If the Client does not communicate their intention to terminate the Agreement and continues to use the Bit2Me Earn product after the modifications come into effect, they will be deemed to have accepted the new contractual conditions.
This Agreement constitutes the entire agreement between the Parties regarding the Bit2Me Earn product and supersedes any prior agreement, communication, or understanding related thereto.
The failure of either Party to exercise a right recognized in this Agreement at any given time will not be interpreted as a waiver of that right, and they may exercise it subsequently.
If any provision of this Agreement is declared totally or partially null, invalid, or unenforceable, such circumstance will affect only the provision or the part thereof that is affected, with the remainder of the Agreement remaining fully valid and effective.
In such a case, the Parties will endeavor to replace the affected provision with another that is valid and that reflects, to the greatest extent possible, the economic and legal purpose of the originally agreed clause.
Suspension of obligations and limitation of liability
Without prejudice to the provisions of Bit2Me's GENERAL TERMS AND CONDITIONS OF SERVICES, neither Party shall be liable to the other for indirect damages, loss of profit, loss of income, loss of benefits, loss of data, or damages of a similar nature arising from the execution of this Agreement, except in cases of fraud or gross negligence or when such liability is enforceable under applicable regulations.
Bit2Me will be solely responsible for the correct provision of the service in accordance with these Terms and Conditions. Under no circumstances will Bit2Me be responsible for the misuse of the Client's account, including unauthorized use resulting from a lack of diligence in safeguarding their access credentials, it being the Client's responsibility to maintain the confidentiality and security of such credentials.
In exceptional situations that may compromise the security of funds, the integrity of the Platform, or the operational stability of the service, Bit2Me may temporarily suspend interest settlement and the repayment of crypto-assets.
For the purposes of this clause, causes that may justify the temporary suspension of the service include, among others:
the detection of a cyberattack or security incident that compromises or may compromise Bit2Me's systems or the security of client funds;
the existence of an order or requirement issued by a competent judicial, administrative, or regulatory authority;
the existence of serious technical failures in the blockchain networks used or in the underlying protocols that prevent or compromise the secure execution of transactions;
the suspension of withdrawals, insolvency, or serious operational problems of an external provider, custodian, or technological infrastructure used by Bit2Me;
any other extraordinary, unforeseeable circumstance beyond Bit2Me's reasonable control that significantly compromises the secure, continuous, or compliant provision of the Bit2Me Earn service according to applicable regulations.
Bit2Me will always act proportionally and in good faith, limiting the suspension to the strictly necessary scope and duration and keeping affected Clients informed about the evolution of the incident and the measures adopted.
The suspension will be limited to the time strictly necessary to resolve the incident, and Bit2Me will take all reasonable measures to restore the service as soon as possible.
Should the situation that prompted the suspension extend for a significant period, Bit2Me will inform affected Clients through the Platform or customary communication channels, providing information on the incident's status and, when possible, a reasonable estimate for service restoration.
Data protection
In accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (hereinafter GDPR), Organic Law 3/2018 of 5 December on Personal Data Protection and guarantee of digital rights (hereinafter LOPDGDD), and any other applicable data protection regulations, the privacy and the right to data protection of users and consumers will be respected at all times, providing transparent, concise, intelligible, and easily accessible information on the means, purposes, operations, and any other details associated with the processing of their data.
Data processing by Bit2Me will always be carried out in its capacity as data controller. By contracting the services, the Client explicitly accepts the processing of their data as described in Bit2Me's Privacy Policy at https://Bit2Me.com/es/legal/privacidad.
The Client has the right to access their personal data, rectify inaccurate data, or request the erasure, restriction, objection, and portability of their data. For these purposes, they must send a communication, expressly indicating the right they wish to exercise. It is reminded that you have the right to file a claim with the Spanish Data Protection Agency and that you can object to the processing of data for commercial purposes. For any matter related to the processing of personal data by BIT2ME, you may contact the Data Protection Officer (DPO) at the following email address dpd@bit2me.com.
Prevention of money laundering and terrorist financing (AML/CTF)
Bit2Me is an entity subject to Law 10/2010 on the Prevention of Money Laundering and Terrorist Financing, as well as its implementing regulations, and complies with the obligations established in said regulations.
In accordance with Bit2Me's GENERAL TERMS AND CONDITIONS OF SERVICES, Bit2Me may carry out the necessary checks and controls for the prevention of money laundering, terrorist financing, and other financial crimes.
The Client undertakes to provide the information and documentation requested at any time, both during the registration process and throughout the contractual relationship, including that necessary to understand the purpose and nature of the business relationship.
Bit2Me may request additional information or documentation at any time, directly or through third parties, when necessary to comply with its legal obligations.
Failure to provide the required information, providing incomplete or incorrect information, or the existence of indications of money laundering or terrorist financing may lead to the suspension of operations, limitation of access to the service, or termination of this Agreement, without prejudice to any other measures that may be required under applicable regulations.
Specific risk warning for EARN
Applicable regulations
This Loan agreement will be governed by (i) the provisions of these Terms and Conditions and, failing that, by (ii) Bit2Me's GENERAL TERMS AND CONDITIONS OF SERVICES; (iii) by the current Spanish regulations applicable for this purpose.
Jurisdiction and applicable law
These Terms and Conditions will be governed by and interpreted in accordance with Spanish law, particularly with the rules governing loan agreements and crypto-asset operations, without prejudice to specific provisions that may be applicable concerning the prevention of money laundering and terrorist financing, personal data protection, and other consumer and user protection regulations.
In the event of any dispute or disagreement that may arise in the interpretation or execution of these Specific Terms and Conditions, the parties expressly submit to the jurisdiction and competence of the Courts and Tribunals of the lender's city of residence, waiving any other jurisdiction that may correspond to them, unless applicable regulations imperatively establish another jurisdiction or venue.
The parties agree that any legal proceedings carried out will be conducted in Spanish and that this will be the reference language for the interpretation of these conditions and for the resolution of any conflict arising therefrom.
© Bit2Me 2026
All rights reserved.