Terms of Use

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and PRYSTORUS SP ZOO, a company incorporated under the laws of Poland ("Company," "we," "us," or "our"), operating the ON3X platform. For operations in Brazil, services are provided by ON3X GLOBAL PAYMENTS LTDA, a company incorporated under the laws of the Federative Republic of Brazil.

By creating an account, accessing, or using the ON3X platform — including our website, mobile application, APIs, and all related services — you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree to these Terms, you must immediately discontinue use of the platform.

These Terms are supplemented by our Privacy Policy, which is incorporated herein by reference. Together, these documents govern your relationship with ON3X. In the event of any conflict between these Terms and any other document or communication, these Terms shall prevail unless expressly stated otherwise.

"Platform" refers to the ON3X application, website, APIs, and all associated services, tools, and features made available by the Company.

"User" or "Account Holder" means any individual who has registered for and maintains an account on the Platform.

"Digital Assets" or "Cryptocurrencies" refers to blockchain-based digital currencies, tokens, coins, and other cryptographic assets supported by the Platform, including but not limited to Bitcoin (BTC), Ethereum (ETH), USDT, USDC, and other assets as listed on the Platform from time to time.

"Fiat Currency" refers to government-issued currencies supported by the Platform, including but not limited to the Brazilian Real (BRL), the Euro (EUR), and the United States Dollar (USD).

"Custodial Wallet" refers to a digital asset wallet provided by the Platform in which the Company manages the private keys on behalf of the User. The User accesses their wallet through their account credentials but does not hold or control the underlying private keys directly.

"KYC" (Know Your Customer) refers to the identity verification procedures required by applicable law and the Company's compliance policies, which Users must complete to access certain features of the Platform.

"PIX" refers to the instant payment system operated by the Central Bank of Brazil (Banco Central do Brasil), integrated into the Platform for Brazilian users to deposit, withdraw, and make payments in BRL.

"Swap" refers to the exchange of one Digital Asset for another facilitated through the Platform via third-party aggregator services.

"P2P Transfer" refers to peer-to-peer transfers of Digital Assets between registered Users of the Platform.

"Reward Vault" refers to the Platform's reward mechanism through which eligible Users may earn rewards on qualifying Digital Asset holdings, subject to the terms and conditions applicable to the Reward Vault program.

"Nex" refers to the Platform's AI-powered assistant designed to help Users navigate and utilize Platform features.

To use the Platform, you must be at least eighteen (18) years of age or the age of legal majority in your jurisdiction, whichever is greater. By creating an account, you represent and warrant that you meet this minimum age requirement.

You must have full legal capacity to enter into a binding agreement under the laws of your jurisdiction of residence. If you are accessing the Platform on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.

You may not use the Platform if you are a resident of, or located in, any country or territory subject to comprehensive sanctions imposed by the European Union, the United States (OFAC), the United Nations, or any other applicable sanctions authority. This includes, but is not limited to, countries designated under EU restrictive measures and OFAC's Specially Designated Nationals (SDN) List.

You represent and warrant that you are not listed on any government list of prohibited or restricted parties, including but not limited to the EU Consolidated Financial Sanctions List, the OFAC SDN List, or any equivalent list maintained by a competent authority in your jurisdiction.

The Company reserves the right to restrict or deny access to the Platform or any of its services to any person or in any jurisdiction at its sole discretion, including in response to changes in applicable law or regulatory guidance.

To access the Platform's services, you must create an account by providing accurate and complete registration information, including your full legal name, a valid email address, and a phone number. You are responsible for maintaining the accuracy of your account information and must promptly update it if any changes occur.

The Platform employs a tiered identity verification (KYC) system. Basic Verification requires your name, email address, and phone number, and grants access to core cryptocurrency services including wallet functionality, Digital Asset swaps, P2P transfers, and price alerts. This level does not require government-issued identification documents.

Full Verification (Enhanced KYC) is required to access fiat currency services, including PIX deposits and withdrawals, SEPA transfers, virtual and physical card services, and higher transaction limits. Full Verification is conducted through our trusted third-party partner, Sumsub, and requires submission of a valid government-issued photo identification document, proof of address, and a biometric selfie verification. Additional documentation may be requested depending on your jurisdiction and risk profile.

The Company reserves the right to request additional verification at any time, including but not limited to enhanced due diligence for high-value transactions, ongoing monitoring purposes, or when required by applicable anti-money laundering regulations. Failure to complete requested verification within the specified timeframe may result in restriction or suspension of your account.

You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any two-factor authentication methods. You agree to notify the Company immediately of any unauthorized access to or use of your account. The Company shall not be liable for any loss arising from your failure to safeguard your account credentials.

Multi-Chain Cryptocurrency Wallets: The Platform provides custodial wallets supporting multiple blockchain networks. Users may hold, receive, and send supported Digital Assets through their wallets. The availability of specific networks and assets is determined by the Company and may change without prior notice.

Cryptocurrency Swaps: The Platform facilitates the exchange of supported Digital Assets through integration with third-party swap aggregators. Swap rates are provided by these third-party services and may include a spread. The Company does not guarantee any specific exchange rate, and rates displayed are indicative until a swap transaction is confirmed and executed on the relevant blockchain.

Peer-to-Peer (P2P) Transfers: Users may transfer Digital Assets to other registered Platform users instantly and without network fees, using the recipient's username, email address, or phone number. P2P transfers are internal ledger movements and are subject to the Platform's terms and applicable limits.

PIX Integration (Brazil): Brazilian users who have completed Full Verification may access PIX services, including depositing BRL to their Platform account, withdrawing BRL to external bank accounts, and making payments via PIX. PIX services are provided through ON3X GLOBAL PAYMENTS LTDA in compliance with Brazilian regulations and Central Bank of Brazil requirements.

Price Alerts: Users may set custom price alerts for supported Digital Assets. Alerts are delivered via push notification and/or in-app notification when the specified price conditions are met. The Company does not guarantee the timeliness or accuracy of price alert delivery.

Referral Program: The Platform offers a referral program through which Users may earn rewards by inviting new users. The specific terms, reward structure, and eligibility criteria of the referral program are published separately on the Platform and may be modified at the Company's discretion.

Reward Vault: The Platform's Reward Vault allows eligible Users to earn rewards on qualifying Digital Asset holdings. Reward rates, eligibility criteria, lock-up periods (if any), and other terms governing the Reward Vault are published on the Platform and are subject to change. The Reward Vault is not a bank deposit product and is not covered by any deposit guarantee scheme.

Nex AI Assistant: The Platform provides an AI-powered assistant ("Nex") designed to help Users with Platform-related questions, navigation, and features. Nex provides informational responses only and does not constitute financial, investment, legal, or tax advice. Users should not rely on Nex for making financial decisions.

Virtual & Physical Cards (Upcoming): The Platform intends to offer virtual and physical payment cards that allow Users to spend Digital Assets at merchants. Card services will be subject to separate terms and conditions, including additional KYC requirements, and will be made available when launched.

The Platform operates a hybrid custodial model. The Company manages hot wallets and the private keys associated with Users' Digital Asset holdings. Users access their assets through their Platform account credentials and do not have direct access to, possession of, or control over the underlying private keys.

By using the Platform, you acknowledge and agree that the Company holds your Digital Assets in omnibus wallets shared with other Users. The Company maintains internal records attributing specific balances to individual User accounts. The Company undertakes to maintain sufficient reserves to honor all User balances at all times.

The Company employs industry-standard security measures to protect Digital Assets under custody, including but not limited to cold storage for the majority of assets, multi-signature authorization for transactions, and regular security audits. However, the Company does not guarantee that its security measures are impenetrable, and no custodial arrangement is entirely free from risk.

You are solely responsible for the security of your account credentials, including your password, email, phone number, and any two-factor authentication methods linked to your account. The Company bears no responsibility for Digital Asset losses resulting from compromised account credentials attributable to User negligence.

The Company does not support all blockchain networks, tokens, or forks. If you send unsupported Digital Assets to a Platform wallet address, or send Digital Assets on an unsupported network, such assets may be permanently lost. The Company shall have no obligation to recover or credit unsupported assets.

The Platform charges fees for certain services, which are disclosed to Users prior to transaction confirmation. By confirming a transaction, you agree to pay all applicable fees associated with that transaction.

Swap Fees: Cryptocurrency swaps may include a spread (the difference between the displayed rate and the underlying market rate) and/or a fixed or percentage-based platform fee. The total effective cost, including any spread, is reflected in the final exchange rate presented to you before confirmation.

Network Fees: On-chain transactions (deposits and withdrawals to/from external wallets) incur blockchain network fees ("gas fees"). These fees are determined by the respective blockchain network's current congestion and are not set or controlled by the Company. Network fees are deducted from the transaction amount or charged separately, as displayed at the time of the transaction.

PIX Fees: PIX deposits, withdrawals, and payments may be subject to fees as disclosed on the Platform. Fee amounts may vary based on transaction type, amount, and your verification level. The Company reserves the right to modify PIX fee structures with reasonable advance notice.

P2P Transfer Fees: Internal P2P transfers between Platform users are currently free of charge. The Company reserves the right to introduce fees for P2P transfers in the future, with advance notice to Users.

The Company reserves the right to modify its fee structure at any time. Material changes to fees will be communicated to Users via the Platform, email, or push notification with reasonable advance notice. Continued use of the Platform after fee changes take effect constitutes acceptance of the updated fees.

You agree to use the Platform only for lawful purposes and in compliance with all applicable local, national, and international laws and regulations. You are solely responsible for ensuring that your use of the Platform does not violate any law applicable to you.

You shall not use the Platform for, or in connection with, any of the following prohibited activities: money laundering or terrorist financing; fraud, identity theft, or any form of deception; sanctions evasion or transactions with sanctioned persons, entities, or jurisdictions; tax evasion or facilitation thereof; market manipulation, including wash trading, spoofing, or layering; distribution of malware, unauthorized access to systems, or any form of cyberattack against the Platform or its users.

You shall not use the Platform to process payments or transfer value related to: illegal gambling; unlicensed money transmission or payment services; purchase or sale of illegal goods or services, including controlled substances, weapons, or stolen property; human trafficking, exploitation, or abuse; any activity that violates intellectual property rights of third parties.

You agree not to: create multiple accounts or use another person's account without authorization; circumvent, disable, or interfere with any security features of the Platform; reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform; use any automated means, bots, or scripts to access the Platform except through authorized APIs; provide false, misleading, or fraudulent information to the Company.

The Company reserves the right to investigate suspected violations of these Terms and to cooperate with law enforcement authorities in the prosecution of Users who violate any applicable law. Violation of these obligations may result in immediate account suspension or termination, forfeiture of any rewards or bonuses, and referral to competent authorities.

The Company is committed to the highest standards of anti-money laundering (AML), counter-terrorist financing (CFT), and know-your-customer (KYC) compliance. The Company maintains and enforces comprehensive AML/CFT policies and procedures in accordance with applicable EU directives (including AMLD5 and AMLD6), Polish AML legislation, Brazilian AML regulations (Law 9,613/1998, as amended), and other applicable frameworks.

As part of its compliance program, the Company conducts: identity verification of all Users at onboarding (tiered KYC as described in Section 4); ongoing monitoring of transactions for suspicious activity; enhanced due diligence (EDD) for high-risk customers, transactions, or jurisdictions; screening of all Users against international sanctions lists and politically exposed persons (PEP) databases; blockchain analytics to identify potentially suspicious wallet addresses and transaction patterns.

The Company may, at any time and without prior notice, freeze, suspend, or restrict your account or specific transactions if: a transaction or pattern of activity triggers the Company's monitoring systems; the Company suspects that your account is being used for prohibited activities; required by a court order, subpoena, or request from a competent regulatory or law enforcement authority; you fail to provide requested identity verification or additional documentation within the required timeframe.

The Company is obligated to file suspicious activity reports (SARs) with relevant Financial Intelligence Units (FIUs), including the Polish General Inspector of Financial Information (GIIF) and the Brazilian Council for Financial Activities Control (COAF), as applicable. The Company is prohibited by law from informing you that a SAR has been filed ("tipping-off prohibition").

You agree to cooperate fully with any AML/KYC/CFT requests from the Company, including providing additional documentation, information, or explanations regarding the source and destination of funds. Failure to cooperate may result in permanent account suspension and reporting to applicable authorities.

DIGITAL ASSETS ARE HIGHLY VOLATILE AND SPECULATIVE. The value of Digital Assets can fluctuate significantly in short periods, and you may lose some or all of your investment. Past performance is not indicative of future results. You should only transact in Digital Assets with funds you can afford to lose entirely.

NO GUARANTEED RETURNS. The Company does not guarantee any returns, profits, or appreciation of Digital Assets held on the Platform. Any rewards, yields, or returns offered through the Reward Vault or other Platform features are subject to change and are not guaranteed. The Platform does not provide investment advice, and no communication from the Company or through the Platform should be construed as such.

TECHNOLOGY RISKS. Digital Assets and blockchain technology are subject to inherent technological risks, including but not limited to: smart contract vulnerabilities; blockchain network congestion, forks, or failures; consensus mechanism attacks (e.g., 51% attacks); protocol changes that may affect Digital Asset functionality or value; cybersecurity risks, including hacking, phishing, and social engineering attacks.

REGULATORY RISKS. The regulatory landscape for Digital Assets is evolving and uncertain. Changes in laws, regulations, or regulatory interpretations in any jurisdiction may adversely affect the use, transfer, exchange, or value of Digital Assets. Such changes may require the Company to modify, limit, or discontinue certain services or to restrict access in certain jurisdictions with limited or no advance notice.

CUSTODIAL RISKS. By using the Platform's custodial services, you entrust the Company with the management of your Digital Assets. While the Company implements robust security measures, no system is completely immune to risk. In the event of a security breach, insolvency, or operational failure of the Company, you may lose access to some or all of your Digital Assets. Digital Assets held on the Platform are not protected by any government deposit insurance or guarantee scheme.

THIRD-PARTY RISKS. Certain Platform services rely on third-party providers, including swap aggregators, payment processors, and blockchain analytics providers. The Company is not responsible for the actions, omissions, or failures of third-party providers. Disruptions in third-party services may affect the availability or performance of Platform features.

TAX OBLIGATIONS. You are solely responsible for determining and fulfilling your tax obligations arising from the use of the Platform, including reporting and payment of any taxes applicable to your transactions. The Company does not provide tax advice and recommends that you consult a qualified tax professional.

All intellectual property rights in the Platform, including but not limited to the software, design, logos, trademarks, trade names, text, graphics, user interface, and underlying technology, are and shall remain the exclusive property of the Company and its licensors. Nothing in these Terms grants you any right, title, or interest in the Company's intellectual property except the limited license described below.

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your personal, non-commercial purposes. This license does not include the right to: modify, copy, distribute, or create derivative works based on the Platform; use the Platform for any commercial purpose without prior written consent; sublicense, lease, sell, or otherwise transfer any rights in the Platform to any third party.

User-generated content, including feedback, suggestions, and reviews submitted to the Company, may be used by the Company without restriction and without compensation to you. By submitting such content, you grant the Company a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, and distribute such content for any purpose.

You shall not use the ON3X name, logo, or any other Company trademarks or trade dress without prior written authorization. Any unauthorized use of the Company's intellectual property may result in legal action.

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

The Company does not warrant that the Platform will be uninterrupted, error-free, secure, or free from viruses or other harmful components. The Company does not warrant the accuracy, completeness, or reliability of any information, content, or data provided through the Platform, including market prices, exchange rates, or account balances displayed in real time.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF DIGITAL ASSETS, LOSS OF BUSINESS OPPORTUNITY, OR LOSS OF GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED EUROS (EUR 100).

Nothing in these Terms shall exclude or limit liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law, including mandatory consumer protection provisions of EU law, Polish law, or Brazilian law (including the Brazilian Consumer Defense Code, where applicable).

You may terminate your account at any time by contacting the Company at support@on3x.com or through the account settings within the Platform. Upon termination, you must withdraw all Digital Assets and fiat currency balances from your account within thirty (30) days. After this period, the Company may convert remaining Digital Assets or remit remaining fiat balances in accordance with applicable law.

The Company may suspend or restrict your account, in whole or in part, immediately and without prior notice if: you breach any provision of these Terms; the Company is required to do so by applicable law, regulation, or a court or regulatory order; the Company suspects unauthorized access to your account; the Company suspects your account is being used for prohibited activities; you fail to complete requested identity verification within the specified timeframe.

The Company may terminate your account with thirty (30) days' written notice for any reason, including but not limited to discontinuation of services in your jurisdiction or changes to the Company's business operations. In the event of termination by the Company without cause, you will be given a reasonable opportunity to withdraw your assets.

Upon termination or suspension for any reason, the Company may retain your account data and transaction records as required by applicable law, including AML record-keeping requirements, for a minimum period of five (5) years or longer if required by specific regulations.

Termination of your account does not relieve you of any obligations or liabilities incurred prior to termination, including any pending transactions, fees owed, or obligations under these Terms that by their nature survive termination.

These Terms and any disputes arising out of or in connection with them (including non-contractual disputes) shall be governed by and construed in accordance with the laws of the Republic of Poland, without regard to its conflict of laws principles, except as described below for Brazilian users.

For Users resident in Brazil utilizing services provided by ON3X GLOBAL PAYMENTS LTDA, including PIX services and other Brazil-specific features, the applicable relationship shall be governed by the laws of the Federative Republic of Brazil, including the Brazilian Civil Code, the Brazilian Consumer Defense Code (CDC, Law 8,078/1990), and applicable regulations of the Central Bank of Brazil and the Brazilian Securities and Exchange Commission (CVM), as applicable.

In the event of any dispute, you agree to first attempt resolution through the Company's internal complaints process by contacting support@on3x.com. The Company commits to acknowledging complaints within five (5) business days and providing a substantive response within thirty (30) business days.

For Users in the European Union, if a dispute cannot be resolved through the Company's internal complaints process, you may submit the dispute to an alternative dispute resolution (ADR) body or use the European Commission's Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr. For Users in Brazil, disputes may be submitted to the consumer protection agencies (PROCON) or the Brazilian courts in accordance with applicable consumer protection legislation.

Subject to applicable mandatory consumer protection laws, any dispute that cannot be resolved through the above mechanisms shall be submitted to the exclusive jurisdiction of the competent courts of Warsaw, Poland, except for Brazilian Users utilizing Brazil-specific services, for whom the competent courts of Brazil shall have jurisdiction in accordance with the Brazilian Consumer Defense Code.

The Company reserves the right to modify, amend, or update these Terms at any time. When material changes are made, the Company will notify Users by publishing the updated Terms on the Platform with a revised "Last Updated" date and, for significant changes, by sending an email notification or push notification to registered Users at least thirty (30) days prior to the effective date.

Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must cease using the Platform and close your account by contacting support@on3x.com or through the account settings.

The Company may make changes without advance notice where required by law, regulation, or court order, or where necessary to address security vulnerabilities or prevent fraud. In such cases, the Company will notify Users of the changes as soon as reasonably practicable after the changes take effect.

For any questions, concerns, or complaints regarding these Terms or the Platform, please contact us at:

PRYSTORUS SP ZOO — Email: support@on3x.com

For matters specific to Brazilian operations and PIX services: ON3X GLOBAL PAYMENTS LTDA — Email: support@on3x.com

We aim to respond to all inquiries within five (5) business days.