Terms and Conditions

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TERMS AND CONDITIONS

Last updated: November, 2025

These Terms and Conditions (the “Terms”) govern the procedure for accessing and using the software services via the website https://fintap.app, the Fintap mobile application and the related products (“Fintap”, the “Services”, the “Service” or the “Platform”) provided by Global Financial Services & Solutions Sp. z o.o. (GFSS), registered under the laws of Poland, acting as a virtual asset service provider for certain regulated digital asset services.

By obtaining access, registering or using any Fintap Service you confirm that you have read, understood and agreed to comply with these Terms in full. We therefore recommend that you read this document carefully and refrain from using the Services if you do not agree with these Terms. Any actions performed by you on the Platform are undertaken in full awareness of all associated risks and exclusively on the basis of your own knowledge and at your own discretion.

We provide technological and financial infrastructure services and do not offer personal financial, investment, legal or tax advice.

1. Eligibility

In order to have the right to use and interact with our Services, you must warrant that:

a) you have reached the age of majority in your country of residence and therefore possess the legal capacity to enter into and comply with agreements;

b) you have never been suspended or otherwise restricted from using our Services;

c) the conclusion of a legally binding agreement with us does not contradict and does not violate any other contractual obligations by which you are legally bound;

d) you are not resident of, or otherwise subject to any restricted territory or jurisdiction subject to sanctions imposed by the EU, United Nations, UK, OFAC;

e) you are not identified as an individual officially classified as a Specially Designated National (“SDN”) or affiliated with companies, groups or organisations classified as SDN;

f) you are not subject to any international sanctions, including sanctions of the EU and the United Nations, UK, OFAC nor are you an affiliate of companies, groups or organisations subject to international sanctions.

By creating an account (“Account”) you represent that you have the legal capacity to enter into agreements and agree to be legally bound by these Terms in full. We reserve the right at any time to assess your entitlement to access and use our Services by checking your compliance with the eligibility criteria listed above. If the eligibility criteria are amended, modified or expanded we may review your entitlement accordingly. Fintap may require you to provide evidence of compliance. Any decision, including initial and ongoing assessments and reviews of your entitlement, is final and made at our sole discretion. You undertake to refrain from using our Services to finance, support or participate in any unlawful activity, including, without limitation, prohibited trade, illegal gambling, fraud, money laundering or terrorist activity.

2. Nature of the Services

Fintap functions as a digital asset wallet and custody platform designed to store, transfer and exchange virtual assets through regulated partners.

Your funds are safely stored and managed within the Fintap ecosystem by licensed custodians.

Fintap enables you to:

a) generate wallet accounts for sending and receiving digital assets;

b) buy, sell and swap digital assets, as well as deposit and withdraw fiat currency through approved partners;

c) obtain access to digital asset price information provided by independent third party service providers.

Private keys and custody mechanisms are operated by regulated custodial infrastructure providers on your behalf to ensure secure storage and recovery capability.

We do not offer financial, investment, legal or tax advice and do not operate as a broker dealer or investment firm. Nothing on the Platform shall be construed as an offer or recommendation to invest or trade.

Using the features and services of Fintap implies your acceptance of the risks associated with digital assets, including volatility and possible loss of value.

By using our Site and Services you unconditionally assume full responsibility for your actions under the tax laws applicable at your place of residence with respect to any transactions carried out on the Site, including, without limitation, income or gains tax.

3. Third Party Providers

The Platform may comprise integrations with third party providers (payment systems, exchange APIs and other services), for example: crypto assets such as Ethereum and Bitcoin; cryptocurrency exchanges; information providers for price and market data.

Our Platform connects you to services provided by our partners, including swaps, purchase and sale of cryptocurrencies, displaying fiat balances and exchange rates, custody solutions and identity verification. Such partners may require you to complete KYC or KYT checks before accessing specific features such as buying, exchanging or withdrawing crypto assets.

Your interaction with such third party services and the associated informational content, products or services is voluntary and at your own risk. Although these Terms govern your interaction with our Service, your interaction with third party content and services is likely to be governed by additional terms established by the relevant providers. Such additional terms may include separate fees, disclaimers, risk warnings and privacy policies that differ from ours. You are responsible for understanding those terms, including how such providers process your personal information.

By interacting with third party services you confirm that you have read, understood and agreed to the provider’s terms. While we endeavour to partner with reputable organisations, we neither endorse nor guarantee their offerings and disclaim all liability arising from your use of those services.

4. Fees, Charges and Commissions

Fees connected with the Services or any part thereof are primarily established by our third party partners and are available on fintap.app and in the Fintap mobile application. Such fees may include account maintenance fees, transaction fees, withdrawal fees, network fees or fees for specific services offered by our partners. These fees are controlled by third party organisations, and we neither influence nor regulate their creation or alteration.

In certain cases Fintap may receive a share of revenue from such fees charged by third parties, including custodians and VASP partners. Receipt of such revenue does not grant us authority to control those fees.

Fee information may change without prior notice. Any update or adjustment to the fee structure will be reflected on our website or in the application. Your continued use of our Services after such updates signifies your acceptance. You are responsible for remaining informed of the current fee structure.

Third party services, including blockchain networks, may charge additional fees for processing transactions. These fees are outside our jurisdiction. We disclaim all liability for fees charged by third party services. Before initiating a transaction you are responsible for ensuring that your wallet has a sufficient balance and any required network fee to complete the transaction in full.

We are not liable for transaction failures or losses that you may incur due to incorrectly entered fees or insufficient funds associated with your wallet address.

5. Prohibited Conduct

When using the Platform you undertake to:

a) comply with and respect these Terms;

b) be responsible for all actions you perform using Fintap;

c) provide us with any documents and information requested by us for compliance procedures;

d) refrain from encouraging or inducing third parties to engage in any of the activities prohibited by this section;

e) not impersonate another person and not allow or attempt to authorise another user’s wallet without permission, and refrain from any use of our Services that could interfere or disrupt other users;

f) not distribute viruses or other malicious code through Fintap;

g) not perform actions that may create an unreasonable or disproportionately large load on our infrastructure or that of any third party providers;

h) not engage in reverse engineering, not circumvent and not attempt to circumvent any measures we may use to prevent or limit access to the Services;

i) respect and not infringe the rights of Fintap, our users or other persons, including privacy, publicity rights and intellectual property rights.

We reserve the right to discontinue or modify some or all of our Services and to cease publication of our Website at any time at our sole discretion without explanation. Except as expressly provided in these Terms, you are not entitled to compensation in the event of discontinuation or modification of any Services or if we cease publishing the Website.

Breach of these Terms

(a) send you one or more formal warnings;

(b) temporarily suspend your access to our Platform;

(d) block access to our Platform from devices using your IP address;

(e) suspend or delete your Account on our Platform.

If we suspend, prohibit or block your access, you must not take any action to circumvent such suspension, prohibition or blocking. Fintap reserves the right to report suspicious activity to law enforcement and regulatory authorities.

6. Copyright Notice

Subject to the express provisions of these Terms:

(a) we, together with our licensors, own and control all the copyright and other intellectual property rights and material on our Platform; and

(b) all the copyright and other intellectual property rights and material on our Platform are reserved.

You are not entitled to copy, reproduce or distribute any part of the Platform without our prior written consent.

7. No Warranties

The Platform and Services are provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, we make no express or implied representations or warranties regarding availability, functionality, continuity or performance of third party custodial or payment partners.

We make no warranties regarding the accuracy, reliability, timeliness or completeness of any information, content or services provided or owned by us or any third party or contained in any third party materials or websites linked to our Platform or Services.

8. Limitation of Liability

To the maximum extent permitted by law, we and our affiliates, suppliers and contractors shall not be liable for any direct, indirect, incidental, punitive or special losses, including loss of data or loss of digital assets, arising from the use of or inability to use the Platform regardless of cause;

interruptions to access to the Services, or delays or losses in data transmission, caused by failures of hardware, software, or communications systems beyond our control;

potential failures, interruptions, errors or delays in processing operations during your use of the Services;

any unauthorised access or fraudulent use of the Platform using your personal access codes arising as a result of your negligence;

the risk of introduction or detection of malicious software in Fintap, bugs or other malfunctions in the software;

the risk of unknown vulnerabilities or unforeseen changes in relevant blockchain networks;

the inability to gain full access to Fintap Services;

any other issues concerning the Platform or any other aspect of the Services;

the occurrence of any force majeure event;

You acknowledge that the custodial holding of digital assets is subject to regulatory and operational requirements imposed on licensed providers and that Fintap cannot guarantee constant availability or value of crypto assets;

Fintap is not responsible for any losses or for fluctuations in the exchange rates and values of the virtual currencies credited to your Account;

We may suspend or terminate your access to the Platform without prior notice if you do not comply with these Terms, if required by law, if you use Fintap for unlawful purposes, or if you create circumstances under which we find it necessary to suspend the performance of certain functions;

You may discontinue use at any time by ceasing access to the Platform.

9. Amendments

We are entitled to amend, modify or adapt our Services or any part of our Services in accordance with these Terms. Any changes take effect from the moment of publication on the Platform. Continued use after such changes signifies agreement.

You hereby agree that we may assign, transfer, subcontract or otherwise deal with our rights and obligations under these Terms.

You may not, without our prior written consent, assign, transfer or otherwise deal with any of your rights and obligations under these Terms.

10. Severability

If any provision of these Terms is held by a court or other competent authority to be unlawful and unenforceable, the other provisions shall remain in force. These Terms remain in force even if one or more provisions are invalid, unlawful or unenforceable. The validity of the remaining provisions is not affected.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Poland. Disputes arising in connection with these Terms shall be resolved in accordance with the laws of the Poland.

12. Contact Information

If you need to contact us, or if you detect errors or encounter problems in our Services, or if you have a complaint, please contact us by sending an e mail to support@fintap.app. A representative will acknowledge receipt of your message and address your concerns fairly and promptly.

In the event of any discrepancies between the English text of these Terms and its translation into any other language, the English text shall prevail. These Terms are effective from November 10, 2025 until replaced by a later version.