1. About Our Terms

1.1. This Terms of Service Agreement ("Agreement") is a legal agreementbetween you ("User" or "You") and LayerFlow Gateway FZCO("Company," "We," or "Us"), governing your use ofour software services, including our Software as a Service (SaaS) platform,website, applications, and any associated services (collectively, the"Service"). These terms and conditions of use (Terms) explain how youmay use this website and any of its content (Site).

1.2. You should read these Terms carefully before using the Site. By using the Site or otherwise indicating your consent, you agree to be bound by these Terms. If you do not agree with any of these Terms, you must not access or use the Service.

1.3. The Service: The Service provides online software solutions, including but not limited to:
Token swaps between supported assets,
Sending tokens to other wallets or users,
Paying with stablecoins online, in person, or within supported third-party applications,
Buying and selling supported digital assets,
Access to compliance and risk management services for digital asset transactions,
Subscription-based or transaction-based access to additional features.

The Service is non-custodial: all transactions are executed directly by you from your own Web3 wallet. We do not hold, manage, or access your private keys or funds at any time.

1.4. Account Registration: In order to access certain features of the Service, you may be required to create an account. You agree to provide accurate, complete, and up-to-date registration information. You are solely responsible for maintaining the confidentiality of your account and password and for all activities that occur under your account.

2. Free and Paid Subscriptions

2.1. Freemium Accounts: We may offer a free subscription plan that provides limited access to the Service. The features and limitations of the freemium plan will be determined solely by the Company and may be subject to change without prior notice.

2.2. Paid Subscriptions: We may offer paid subscription plans that provide additional features, functionality, and support beyond what is available in the freemium plan. The details, pricing, and billing terms for the paid subscription plans will be clearly communicated to you on our website or within the Service and may be subject to change without prior notice.

3. Payment Terms

3.1. Fees and Payment: If you choose to subscribe to a paid plan, you agree to pay the applicable fees as described on our website or in the Service  including any applicable taxes. You authorise us to charge your chosen payment method for the fees on a recurring basis according to the billing cycle selected during the subscription process. From time to time, The Company may suspend or cancel payment or refuse a refund request if we find evidence of fraud, abuse, or unlawful or other manipulative behaviour that entitles The Company to a corresponding counterclaim.

3.2. SubscriptionRenewal: Paid subscriptions are automatically renewed at the end of each billing cycle unless you cancel your subscription before the renewal date. The renewal fee will be charged to your chosen payment method, unless you provide a timely cancellation notice.‍

3.3. Free Trials: Free trials or promotional offers cannot be reactivated once cancelled,nor combined with other offers.

3.4. Free trials: Free trials or free offers with promotional codes to Subscriptions, offered by The Company, cannot be combined with any free trials or offers of The Company. You acknowledge that your free trial or free offer may expire if you change your subscription type whilst within the free trial or free offer period, and The Company shall have no obligation to reinstate, reimburse, or otherwise compensate you for any part of such expired free trial or free offer.‍

3.5. Expiry: When your paid subscription ends, you will lose access to any functionality orcontent that requires a paid subscription

3.6. Our products may offer content, services or functionality for use within such Apps (“In-App Purchases”). In-App Purchases that are consumed during the use of the App (for example, additional scans or features) cannot be transferred to other users. All unconsumed “In-App Purchases” will expire and are non transferable upon termination of your account or the end of your subscription.

4. About Us

34.1. We are LAYER FLOW GATEWAY FZCO, a company registered in DWTC with licence number L-3426. Level 17, Sheikh Rashid Tower, Dubai World Trade Center, Dubai UAE. If you have any questions about the Site, please contact us by filling out and submitting the online form available here.

5. Using the Site

5.1. The Site is for your personal and non-commercial use only.
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5.2. You agree that you are solely responsible for all costs and expenses you may incur in relation to your use of the Site.
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5.3. Residency and Nationality Restriction: Access to the Service is strictly limited to residents and nationals of the United Arab Emirates. Any attempt to gain access without being a UAE resident or national is not permitted. We make no promise that the Site is appropriate or available for use in locations outside of the UAE. If you choose to access the Site from locations outside the UAE, you acknowledge you do so at your own initiative and are responsible for compliance with local laws where they apply.
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5.4. Continuing Eligibility: By using the Service, you represent and warrant that you are currently a resident or national of the United Arab Emirates. If you later cease to be a UAE resident or national, you must immediately stop using the Services and notify us. We may suspend or terminate your account immediately insuch cases. We may request evidence of ongoing residency or nationality at anytime. Any attempt to conceal or misrepresent your eligibility may result in permanent account closure, reporting to competent authorities, and preservation of related records for compliance purposes. We make no promise that the Site is appropriate or available for use in locations outside the UAE. If you choose to access the Site from locations outside the UAE, you acknowledge you do so at your own initiative and are responsible for compliance with local laws.
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5.5. As a condition of your use of the Site, you agree not to:
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5.6. Misuse or attack our Site by knowingly introducing viruses, trojans, worms, logic bombs or any other material which is malicious or technologically harmful (such as by way of a denial-of-service attack), or

5.7. attempt to gain unauthorised access to our Site, the server on which our Site is stored or any server, computer or database connected to our Site.
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5.8. We may prevent or suspend your access to the Site if you do not comply with these Terms or any applicable law.
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5.9. Termination by You: You may terminate this Agreement by ceasing to use the Service and closing your account, subject to any outstanding payment obligations.
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5.10. Termination by the Company: The Company may terminate this Agreement or suspend your access to the Service at any time, with or without cause or notice.

6. Registration and password security

6.1. Use of the Site may require registration, particularly in order to access restricted areas of the Site.
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6.2. We are not obliged to permit anyone to register with the Site and we may refuse, terminate or suspend registration to anyone at any time.
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6.3. You are responsible for making sure that your password and any other account details are kept secure and confidential.
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6.4. If we have reason to believe there is likely to be a breach of security or misuse of the Site through your account or the use of your password, we may notify you and require you to change your password, or we may suspend or terminate your account.
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6.5. Any personal information you provide to us as part of the registration process will be processed inaccordance with our Privacy Policy available at https://www.getlfg.app/privacy

7. Infringing Content

7.1. We will use reasonable efforts to:

7.1.1. Delete accounts which are being used in an inappropriate manner or in breach of these Terms; and
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7.1.2. Identify and remove any content that is inappropriate, defamatory, infringes intellectual property rights, when we are notified, but we cannot be responsible if you have failed to provide us with the relevant information.

7.2. If you believe that any content which is distributed or published by the Site is inappropriate, defamatory or infringing on intellectual property rights, you should contact us immediately using the contact details at the top of this page.

8. Privacy & Personal Information

Your privacy and personal information are important to us. Any personal information that you provide to us will be dealt with in line with our Privacy Policy available at https://www.getlfg.app/privacy, which explains what personal information we collect from you, how and why we collect, store, use and share such information, your rights in relation to your personal information and how to contact us and supervisory authorities in the event you have a query or complaint about the use of your personal information.

9. Intellectual Property Rights

9.1. The intellectual property rights in the Site and in any text, images, video, audio or other multimedia content, software or other information or material submitted to or accessible from the Site (Content) are owned by us and our licensors.
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9.2. We and our licensors reserve all our intellectual property rights (including, but not limited to, all copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of any kind) whether registered or unregistered anywhere in the world. This means, for example, that we remainowners of them and are free to use them as we see fit.
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9.3. Nothing in these Terms grants you any legal rights in the Site or the Content other than as necessary for you to access it. You agree not to adjust, try to circumvent or delete any notices contained on the Site or the Content (including any intellectual property notices) and in particular, in any digital rights or other security technology embedded or contained within the Site or the Content.
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9.4. Trade marks and trade names may also be used on the Site or in the Content. Use by you of any trade marks on the Site or in the Content is strictly prohibited unless you have our prior written permission.
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9.5. Ownership: The Service, including all associated intellectual property rights, is owned by the Company. You acknowledge and agree that you do not acquire any ownership rights or licences to the Service, except as expressly provided in this Agreement.
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9.6. User Content: By submitting User Content, you grant the Company a non-exclusive, worldwide, royalty-freelicence to use, reproduce, modify, adapt, publish, distribute, and display the User Content solely for the purposes of providing the Service.
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9.7. Restrictions: You agree not to modify, reverse engineer, decompile, or disassemble the Service, or to create derivative works based on the Service, except to the extent that such actions are expressly permitted by applicable law.

9.8. For any software used by you on our website, you will be granted a limited, non-exclusive licence to use any such software, subject to you agreeing to the terms and conditions that apply to such software.
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9.9 You will be made aware of any terms and conditions that apply to the software when you try to use it. If you do not accept such terms and conditions, you will not be able to use the software.
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9.10. You should read any terms and conditions carefully. They may contain provisions that set out your legal rights, your legal responsibilities when using the software, the software provider’s legal responsibilities and any limitations on the software provider’s legal responsibilities to you.
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9.11. Using the software in an unlawful way (such as reproducing or redistributing it in a way that breaches these Terms and any other terms and conditions that apply to it) is expressly prohibited and may result in civil and criminal penalties.

9.12. While we try to make sure that the Site is secure, we do not actively monitor or check whether information supplied to us through the Site is confidential, commercially sensitive or valuable.
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9.13. Other than any personal information which will be dealt with in accordance with our Privacy Policy, we donot guarantee that information supplied to us through the Site will be kept confidential and we may use it on an unrestricted and free-of-charge basis as we reasonably see fit.
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9.14. Acceptable Use: You agree to use the Service in compliance with applicable laws, regulations, and this Agreement. You are solely responsible for any User Content you upload, post, or transmit through the Service, and you agree not to use the Service to engage in any unlawful, harmful, or unauthorised activities. You are prohibited from using the Service to gather information about wallets that do not belong to you, with the intention of publicly disclosing any findings derived from our product. Furthermore, you must not use such information to endorse or discredit any individuals or entities associated with the aforementioned wallets for any reason.

In addition you may not use the Services to obtain information:
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- To post, publicise or otherwise share with any third party any materials that (i) you do not have permission, right or licence to use, or (ii) infringe on the rights of any third party;
- Post objectionable, offensive, unlawful, deceptive, inaccurate, or harmful content;- post personal, private or confidential information belonging to others;
- Impersonate or misrepresent your affiliation with another person, or entity;
- Post or transmit spam, including but not limited to unsolicited or unauthorised advertising, promotional materials, or informational announcements;- post, modify, or remove a rating or review in exchange for any kind of compensation or incentive;
- Post a dishonest, abusive, harmful, misleading, or bad-faith rating or review, or a rating or review that is irrelevant to theContent being reviewed;
- Plan or engage in any illegal, fraudulent, or manipulative activity.

9.15. Security: You are responsible for maintaining the security of your account and any passwords associated with the Service. You agree to notify us immediately of any unauthorised access or use of your account.
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9.16. Prohibited Content: You agree not to upload, post, or transmit any content that infringes upon or violatesthe rights of any third party, including intellectual property rights, privacy rights, or any other proprietary rights.

10. Acceptable Use & Prohibited Activities

10.1. You must use the Service in compliance with applicable laws, regulations, and this Agreement.
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10.2. Prohibited Uses. You agree not to use the Services in connection with:
- Money laundering, terrorist financing, or sanctions evasion,
- Fraud, scams, Ponzi or pyramid schemes,
- Ransomware, hacking, or cyberattacks,
- Unlicensed gambling, adult content, counterfeit products, weapons, narcotics, or controlled substances,
-Transactions via darknet or illicit marketplaces,
- The offering of unregistered securities or investment products,
- Any activity prohibited under applicable law or regulation.

We reserve the right to suspend, restrict, or terminate your access to the Services and report unlawful or suspicious activities to competent authorities.

11. IntellectualProperty Rights

11.1. The intellectual property rights in the Site and in any text, images, video, audio or other multimedia content, software or other information or material submitted to or accessible from the Site (Content) are owned by us and our licensors.
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11.2. We and our licensors reserve all our intellectual property rights (including, butnot limited to, all copyright, trade marks, domain names, design rights, database rights, patents and all other intellectual property rights of anykind) whether registered or unregistered anywhere in the world.
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11.3. Nothing in these Terms grants you any legal rights in the Site or the Content other than as necessary for you to access it. You agree not to adjust, try to circumvent or delete any notices contained on the Site or the Content(including any intellectual property notices).
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11.4. Trademarks and trade names may also be used on the Site or in the Content. Use by you of any trade marks on the Site or in the Content is strictly prohibited unless you have our prior written permission.
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11.5. Ownership: The Service, including all associated intellectual property rights, is owned by the Company. You acknowledge and agree that you do not acquire any ownership rights or licences to the Service, except as expressly provided in this Agreement.
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11.6. User Content: By submitting User Content, you grant the Company a non-exclusive, worldwide, royalty-free licence to use, reproduce, modify, adapt, publish, distribute, and display the User Content solely for the purposes of providing the Service.

11.7. Restrictions: You agree not to modify, reverse engineer, decompile, or disassemble the Service, or to create derivative works based on the Service, except to the extent that such actions are expressly permitted by applicable law.

12. Disclaimers

12.1. We try to make sure that the Site is accurate, up-to-date and free from bugs, but we cannot promise that itwill be. Furthermore, we cannot promise that the Site will be fit or suitable for any purpose. Any reliance that youmay place on the information on the Site is at your own risk.
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12.2. We may suspend or terminate access or operation of the Site at any time as we see fit.
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12.3. Any Content is provided for your general information purposes only and to inform you about us and our products and news, features, services and other websites that may be of interest, but has not been tailored to your specific requirements or circumstances. It does not constitute technical, financial or legal advice or any other type of advice and should not be relied on for any purposes. You must always use your own independent judgement when using our Site and its Content.
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12.4. While we try to make sure that the Site is available for your use, we do not promise that the Site will be available at all times or that your use of the Site will be uninterrupted.
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12.5. Disclaimer of Warranties: THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
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12.6. Limitation of Liability: IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR THE USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13. Hyperlinks and 3rd Party Sites

13.1. The Site may contain hyperlinks or references to third party advertising and websites other than the Site. Any such hyperlinks or references are provided for your convenience only. We have no control over third party advertising or websites and accept no legal responsibility for any content, material or information contained in them. The display of any hyperlink and reference to any third party advertising or website does not mean that we endorse that third party’s website, products or services. Your use of a third party site may be governed by the terms and conditions of that third-party site and is at your own risk.
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13.2. Any third party software integrated on our website may be subject to its own terms and conditions which may apply. We do not accept any responsibility for any such third party software.

14. Our responsibility to you

14.1. If we breach these Terms or are negligent, we are liable to you for foreseeable loss or damage that yousuffer as a result. By ‘foreseeable’ we mean that, at the time these Terms were formed, it was either clear that such loss or damage would occur or you and we both knew that it might reasonably occur, as a result ofsomething we did (or failed to do).
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14.2. We are not liable to you for any loss or damage that was not foreseeable, any loss or damage not causedby our breach or negligence, or any business loss or damage.
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14.5. Nothing in these terms excludes or limits our liability for any death or personal injury caused by our negligence, liability for fraud or fraudulent misrepresentation, or any other liability that the law does not allow us to exclude or limit.

15. Events beyond our control

We are not liable to you if we fail to comply with these Terms because of circumstances beyond our reasonable control.

16. No third party rights

No one other than us or you has any right to enforce any of these Terms.

17. Variation

17.1. No changes to these Terms are valid or have any effect unless agreed by us in writing or made inaccordance with this clause 15.
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17.2. We reserve the right to vary these Terms from time to time. Our updated Terms will be displayed on the Site and by continuing to use and access the Site following such changes, you agree to be bound by any variation made by us. It is your responsibility to check these Terms from time to time to verify such variations.

18. Complaints

18.1. We will try to resolve any disputes with you quickly and efficiently. If you are unhappy with us, please contactus as soon as possible using the contact details set out at the top of this page.
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18.2. The laws of the United Arab Emirates apply to these Terms, although if you are resident elsewhere you will retain the benefit of any mandatory protections given to you by the laws of that country.
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18.3. Any disputes will be subject to the non-exclusive jurisdiction of the courts of the United Arab Emirates.

18.4. Entire Agreement: This Agreement constitutes the entire agreement between you and the Company and supersedes any prior or contemporaneous negotiations or agreements, whether oral or written, relating to the subject matter hereof.
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18.5. Modifications: The Company reserves the right at any time to modify this Agreement and to add new or additional terms or conditions on your use of the Services. Such modifications and additional terms and conditions will be effective immediately and incorporated into this Agreement. Your continued use of the Services will be deemed acceptance thereof.
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18.6. Severability: If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall continue to be valid and enforceable to the fullest extent permitted by law.

19. Software Licence

19.1. For any software used by you on our website, you will be granted a limited,non-exclusive licence to use any such software, subject to you agreeing to theterms and conditions that apply to such software.
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19.2. You will be made aware of any terms and conditions that apply to the software when you try to use it. If you do not accept such terms and conditions, you will not be able to use the software.
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19.3. You should read any terms and conditions carefully. They may contain provisions that set out your legal rights, your legal responsibilities when using the software, the software provider’s legal responsibilities and any limitations on the software provider’s legal responsibilities to you.

19.4. Using the software in an unlawful way (such as reproducing or redistributing it in away that breaches these Terms and any other terms and conditions that apply to it) is expressly prohibited and may result in civil and criminal penalties.

20. Disclaimers and Limitation of Liability

20.1. Disclaimer of Warranties: The Service is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied.
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20.2. Blockchain and Stablecoin Risks: Use of blockchain networks involves risks including transaction failure, delays, high fees, forks, or bugs. Stablecoins may de-peg, fail, or be impacted by regulatory action or issuer default. We are not responsible for losses arising from such risks.
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20.3. User Acknowledgement of Risks: By using the Services, you acknowledge that digitalassets are volatile, subject to legal uncertainty, and may lose value. Youagree that you use the Services at your own risk.

20.4. Limitation of Liability: To the maximum extent permitted by law, our total aggregateliability to you for any claim arising out of or in connection with these Termsshall not exceed the greater of: (a) the total fees you paid to us in the six(6) months preceding the claim; or (b) USD $500.

20.5. Exclusion of Damages: We are not liable for any indirect, incidental, or consequential damages, even if advised of the possibility of such damages.

21. General Provisions

21.1. Entire Agreement: This Agreement constitutes the entire agreement between you and the Company.
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21.2. Modifications: The Company reserves the right to modify these Terms at any time.
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21.3. Indemnification: You agree to indemnify, defend, and hold harmless the Company, its affiliates, and their officers, directors, employees, and agents from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from your use of the Services, your breach of these Terms, or your violation of any applicable law.

21.4. Tax Responsibility: You are solely responsible for determining and fulfilling any tax obligations related to your use of the Services, including reporting and remitting taxes on transactions involving digital assets.

21.5. Dispute Resolution: We will try to resolve disputes informally within sixty (60) days.If unresolved, disputes shall be referred to binding arbitration under the Rules of the Dubai International Arbitration Centre (DIAC), in English, withone arbitrator. The place of arbitration shall be Dubai, UAE.