Terms of Use

1. Acceptance of the terms

By accessing or using the services of D-ONE CASH ("D1C", "we", "the service"), you agree to be bound by these Terms of Use. If you do not agree, you must not use the service. These terms apply to all users, including natural persons (consumer use) and businesses (B2B features). If you use the service on behalf of an organization, you represent that you are authorized to bind it, and "you" will refer to that organization.

2. Description of the service and nature of D1C

D1C is a technology and software provider that gives access to financial services operated by regulated third parties. D1C is not a bank, nor a depository institution, nor a money services business (MSB/money transmitter), nor a custodian, nor an investment adviser, nor a financial services provider, and it does not hold in custody or transmit money on its own behalf. Through D1C you can:

• Open and manage a virtual account in US dollars (USD).
• Send and receive international transfers from your dollar account.
• Manage funds in stablecoins (USDC, USDB) on the blockchain networks the platform supports at any given time, which the app shows before each operation.
• Access B2B features for businesses.

The service may be in an early access phase; some features may be limited or under development.

3. Financial infrastructure — Bridge

Financial services are operated through the infrastructure of Bridge, a regulated payment services and custody platform. The status of money services business registered with FinCEN (USA) belongs to Bridge Building Inc., not to D1C. Depending on your region, account services may be provided by different Bridge entities; for users in Latin America, by Bridge Building Limited. By using D1C you also accept Bridge's terms and privacy policy with respect to everything relating to the operation of accounts, transfers and custody.

4. Custody and responsibility for assets

Digital assets are held in custody by Bridge. D1C does not hold your assets in custody, does not access private keys, does not move funds on its own behalf, and does not guarantee redemptions or the sufficiency of reserves. The instruments your balance may be held in are the supported stablecoins (USDC, USDB); their issuance and custody are the responsibility of third parties, not of D1C. D1C acts as a technological interface that transmits your instructions to Bridge for execution. Every instruction is subject to verification and to compliance review (AML and sanctions). No banking, fiduciary, custodial, financial advisory or agency relationship exists between D1C and the user.

5. Eligibility and registration

To use D1C you must: (a) be over 18 years of age or the legal age of majority in your country; (b) provide truthful, complete and up-to-date information; (c) not be on any sanctions list (OFAC/SDN, UN, EU or others) nor be located in a prohibited or embargoed jurisdiction. You represent that all information provided is accurate and undertake to keep it up to date. D1C may refuse or suspend access to anyone who does not meet these requirements.

6. Identity verification (KYC/AML) and sanctions

For regulatory compliance, you must complete an identity verification (KYC) process before accessing the financial features, which may include an official identity document and a selfie, handled through Bridge's secure flow. D1C and its partners comply with applicable Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations, and perform sanctions screening (OFAC). D1C and/or Bridge may require additional verification or information in order to comply with the law.

Additional documentation for higher volumes. Operating with a volume above USD 15,000 per month — which includes the Startup, Growth and Enterprise plans — requires providing additional documentation showing the account holder's financial capacity and business activity, which may include, among others: the expected monthly volume in USD; recent financial statements; bank statements with similar flows; invoicing history; and any licenses or registrations the activity requires. This documentation should preferably be issued in the account holder's name. Until D1C and/or its financial partners complete the review, volume limits lower than those of the subscribed plan may apply, and the outcome of the review is not guaranteed. This documentation may also be requested below that threshold when the customer's risk profile requires it.

7. Acceptable use and prohibited activities

It is prohibited to use D1C for: illegal or fraudulent activities or activities that violate applicable regulations; money laundering, terrorist financing or tax evasion; infringing third-party rights; or attempting to gain unauthorized access to systems or accounts belonging to others. It is also prohibited to resell or sublicense the service, reverse engineer the software, or circumvent geographic restrictions (for example, by using a VPN). D1C may block access to anyone it reasonably believes is in breach of these terms.

8. Fees and charges

Fees charged directly by D1C will be clearly communicated to you before you confirm each operation. D1C does not charge hidden fees.

Certain operations may include fees, costs or exchange rates applied by third parties, including, among others, Bridge, financial institutions, blockchain networks, payment providers or currency conversion (FX) providers. Such amounts are set by those third parties, may change without prior notice and are not under D1C's control. Where this information is available, D1C will display it before you confirm the operation; however, D1C does not guarantee that third-party fees or charges will remain unchanged and shall not be liable for their modifications.

9. Reversals, cancellations and clawback

It is not possible to cancel, reverse or modify a transaction marked as completed or, once transmitted to the network, in process. You must have sufficient balance to initiate an operation. D1C reserves the right to refuse, pause, correct or reverse any operation, even after it has been debited, when: required by a court order or an order of a competent authority; money laundering, terrorist financing, fraud or another financial crime is suspected; or it relates to a prohibited use. In such cases D1C is not obligated to reinstate the operation on the same conditions.

10. Error resolution and unauthorized transactions

Contact us immediately at support@d-onecash.com if you believe your history is incorrect, you need information about an operation, or you believe an unauthorized transaction occurred. Notify us as soon as you notice the error or the unauthorized activity; delay may significantly limit our ability to recover funds. When contacting us, provide: (1) your name and account details; (2) a description of the error or the transaction in question and why; and (3) the amount involved.

Where a transaction is subject to mandatory consumer protection legislation, including the Electronic Fund Transfer Act (EFTA) or Regulation E, the user's rights shall be governed by such legislation.

In all other cases, claims must be submitted within thirty (30) days from the date on which the user became aware, or reasonably should have become aware, of the fact giving rise to the claim.

11. Fraud and account security

You are responsible for keeping your access credentials confidential. Notify us within 24 hours if you notice or suspect fraudulent activity or unauthorized access. We may temporarily restrict access, suspend pending operations, require a change of credentials and take other reasonable measures to protect your account.

12. Digital asset and blockchain risks

Digital assets involve significant risk, including price volatility and possible partial or total loss. Digital asset transactions shall in no case be reversible once transmitted to the blockchain network, and losses due to unauthorized activity, network failures, software errors or blockchain outages may not be recoverable. Blockchain networks operate in a decentralized manner and D1C does not control them, does not control the confirmation, speed or availability of transactions, nor does it guarantee that they will be confirmed. Nor does D1C guarantee the peg, liquidity, convertibility or backing of any digital asset (including stablecoins), which may suffer a loss of peg (depeg), suspension of redemptions or issuer insolvency. The legal and regulatory treatment of digital assets is evolving and uncertain, and regulatory changes may affect their availability, use or value. By transacting with digital assets, you acknowledge and accept these risks. The blockchain-related service is provided "as is".

On USDB in particular. USDB is a stablecoin issued by the same infrastructure provider that holds the assets in custody. Therefore, unlike other supported stablecoins, issuer risk and custody risk are not diversified: both rest with the same entity. The warnings in this section and in Section 4 —that D1C does not guarantee redemptions or the sufficiency of reserves— apply to it in full, together with those in the Disclaimer regarding loss of parity and issuer insolvency, and the user accepts them by holding a balance in that instrument.

13. Intellectual property

D1C and its licensors retain all rights over the platform, the software, the interfaces, the technology and the documentation. You are granted a limited, non-exclusive and non-transferable right to use the service in accordance with these terms. You shall not remove or alter proprietary notices.

14. Third-party services and links

The service may integrate or link to third-party services. D1C does not provide such services, does not control them and does not endorse them; their use may be subject to their own terms, conditions, fees and costs, for which you are responsible. D1C does not control and is not responsible for the acts or omissions of third parties, including Bridge, partner banks, KYC providers, stablecoin issuers and compliance providers. Likewise, D1C does not control the fees, charges, exchange rates, processing times or commercial policies applied by such third parties, which may be modified at any time in accordance with their own terms and conditions. D1C disclaims all liability for services provided by third parties.

15. General warranty disclaimers

The service is provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. In particular, D1C does not warrant: the continuous availability of the service; access to third parties; the execution of operations; currency conversion; interoperability with blockchain networks; the future availability of services; or future regulatory compliance. In those jurisdictions where certain implied warranties cannot be excluded, such warranties shall be limited to the minimum extent permitted by law.

16. Limitation of liability

To the maximum extent permitted by law, D1C shall not be liable for indirect, incidental, special, consequential or punitive damages, nor for loss of profits, loss of business, loss of reputation, loss of revenue, loss of opportunities or loss of data. D1C shall not be liable for losses arising from: interruptions beyond its control (blockchain network outages, force majeure); errors in the information you provide when transacting; fluctuations in the value of digital assets; unauthorized access due to compromise of your credentials; or freezes, blocks, investigations, court orders, sanctions or AML reviews applied by authorities, banks or regulated providers.

Liability cap. To the maximum extent permitted by law, D1C's total and aggregate liability to the user for any claim related to the service shall not exceed the greater of (a) USD 100 or (b) the fees actually paid by the user to D1C during the twelve (12) months preceding the event giving rise to the claim.

17. Indemnification

You agree to defend, indemnify and hold D1C harmless from claims, damages and costs (including reasonable attorneys' fees) arising from: your use or misuse of the service; the use of your credentials; the breach of these terms; or the violation of third-party rights or of the law.

18. Privacy and data

The processing of your data is governed by the Privacy Policy. By creating an account, you authorize D1C to collect, use and share your information as necessary to provide the service and comply with the law.

19. Modifications

D1C may modify these Terms, the features of the service, the fees, the integrated providers and any aspect of the platform at any time, at its sole discretion.

Changes that substantially affect users' rights or obligations will be communicated with reasonable advance notice, which will normally be at least fifteen (15) days before they take effect, unless a modification is necessary to comply with legal, regulatory, security, fraud prevention obligations or requirements of financial providers, in which case it may take effect immediately or within the required period.

Non-material, administrative, operational or technical changes may take effect immediately without individual notification.

Continued use of the service after a modification takes effect shall constitute acceptance of the updated terms. If you do not agree with a modification, you must stop using the service and request the closure of your account, subject to any outstanding obligations.

20. Termination and suspension

These terms remain in effect while you maintain an active account. Either party may terminate for convenience with reasonable prior notice. D1C may suspend or terminate immediately if: you engage in prohibited use or fail to meet eligibility requirements; you violate the law; the account is reasonably believed to be used for fraudulent, illegal or unauthorized purposes; you fail to pay amounts due; or a financial partner, regulator or authority so requires.

21. Governing law and jurisdiction

These terms are governed by the laws of the state of Florida, USA, without giving effect to conflict of laws rules.

Mandatory individual arbitration. Except for the exceptions set out below, any dispute related to these terms or to the service shall be resolved through binding individual arbitration, administered in accordance with the applicable consumer arbitration rules, seated in Pinellas County, Florida. The user and D1C waive trial by jury and waive the right to pursue disputes through class or representative actions; disputes shall be resolved solely on an individual basis.

Exceptions. Claims protected by mandatory consumer protection legislation that provides for a different forum (for example, EFTA / Regulation E), and actions that fall within the jurisdiction of small claims courts, are not subject to mandatory arbitration. Where the class action waiver is found to be unenforceable with respect to a claim, that claim shall be heard before the state or federal courts of Pinellas County, Florida.

22. General provisions

You may not assign these terms without D1C's prior consent; D1C may assign them to a successor entity. If any provision is declared invalid, the remaining provisions shall remain in force. These terms constitute the entire agreement between the parties regarding their subject matter. Failure to exercise a right does not imply a waiver. You will comply with applicable US export laws. Neither party shall be liable for failures to perform due to causes beyond its reasonable control (force majeure).

23. Disclosures

23.1 USA PATRIOT Act. To help combat terrorist financing and money laundering, the law requires verifying the identity of each person or entity that opens or modifies an account. We may request name, entity type, country, registration number, address, business activity and tax identification, and review supporting documentation.

23.2 Digital asset risk. See Section 12. Digital assets involve significant risk, including possible total loss; transactions, once transmitted to the blockchain network, shall in no case be reversible; the regulatory framework is uncertain and changing.

23.3 No deposit insurance. Digital asset balances are not bank deposits or legal tender, and are not eligible for FDIC, SIPC, Fogafín or any deposit, investor or government-backed insurance.

23.4 D1C remuneration on balances. D1C earns revenue in two ways: the per-transaction fees published on the fees page and subscription charges; and, additionally, remuneration paid to it by the infrastructure provider, calculated and settled by that provider on the aggregate balance that users keep on the platform and that the provider holds in custody. That remuneration is D1C revenue and does not constitute interest, yield or any return in favour of the user: a user balance does not accrue interest, and holding it does not constitute a deposit, an investment or a savings product. When the promotional credits program is enabled, part of that remuneration will be returned to the user on the terms described on the Credits page.

23.5 Declaration of interest. D1C has an economic interest in users keeping a balance on the platform. D1C does not condition, delay or restrict the availability of funds for that reason, and the user may withdraw them at any time subject only to the limits and verifications described in these Terms.

23.6 The instrument your balance is held in, and its effect on credits. A balance is held in whichever supported stablecoin D1C uses at any given time, and the user can see in the app which instrument their balance is held in. The remuneration described in 23.4 is received only on balances held in USDB. Accordingly, when the promotional credits program is enabled, only a balance held in USDB will generate credits: a balance held in another stablecoin will not, because there is no remuneration to share. The user may at any time request that their balance be held in USDC, by writing to support@d-onecash.com from the account email address; exercising that option is free of charge, does not affect the availability of funds or the per-transaction fees that apply, and does not change the dollar value the user can withdraw, except for the market effects described in the risk warnings. Its only consequence is the one stated: a balance in USDC does not generate credits. Before choosing, consider the warning in Section 12 about USDB: because it is issued by the same provider that holds the assets in custody, issuer risk and custody risk rest with the same entity.

24. Credits Program, Subscriptions and Billing

24.1 Credits Program

D-ONE CASH may offer, at its sole discretion, internal promotional credits associated with certain subscription plans, currently Growth and Enterprise, or with any other promotional program it may establish in the future.

The credits constitute exclusively an internal promotional loyalty and marketing tool and shall be subject to the conditions established by D-ONE CASH at any given time.

The credits:

• (a) may only be used to offset certain eligible fees within the platform, in accordance with the conditions in force;
• (b) do not constitute money, electronic money, a deposit, a financial instrument, a digital asset, yield, an investment, a claim against D-ONE CASH, or any other asset with independent economic value;
• (c) may not be converted into cash, withdrawn, refunded, exchanged, sold, transferred, assigned, pledged, or used outside the platform;
• (d) do not accrue interest, yield, dividends or any economic expectation whatsoever;
• (e) do not confer on the user any ownership right or legitimate expectation of continuity of the program;
• (f) shall have the validity period indicated for each promotion or, failing that, the period corresponding to a single billing cycle, expiring automatically if not used within the established period, without any right to compensation;
• (g) shall not be cumulative unless D-ONE CASH expressly indicates otherwise;
• (h) shall only be available while the user maintains an active subscription to the corresponding plan, meets the eligibility requirements and maintains the minimum balance or any other requirement applicable to the contracted plan.

D-ONE CASH may, at any time and at its sole discretion, grant, modify, reduce, limit, suspend, revoke, cancel or withdraw promotional credits when there are reasonable grounds to do so, including, among others: fraud or attempted fraud; abuse of the program; breach of these Terms; creation of multiple accounts; manipulation of the system; technical or administrative errors; incorrectly applied promotions; duplications; legal or regulatory requirements; changes in the services provided by third-party providers.

D-ONE CASH may modify, replace, suspend or terminate the Credits Program, in whole or in part, at any time. Where the modification materially affects users' rights, reasonable advance notice will be sought, unless the change is necessary for legal, regulatory, technical, operational, security or fraud prevention reasons or due to modifications introduced by external providers, in which case it may apply immediately.

24.2 Subscriptions, Billing and Renewal

Subscriptions are billed periodically in accordance with the contracted plan.

Unless otherwise indicated, each user's billing cycle begins on the sign-up date of their subscription and renews on that same date of each contracted period (monthly or annual). There is no billing cut-off date common to all users.

The first invoice corresponds to the full amount of the contracted plan, and that same amount will be charged at each renewal. When the user switches to a higher plan, the billing period will restart at that moment: the full period of the new plan will be charged, less the unused portion of the previous plan; the renewal date will become the date of the change; and the new plan will apply once payment is confirmed. When the user switches to a lower plan, the change will take effect at the start of the next billing period, without proration or credit, and until then the user will keep the currently contracted plan.

For operational, technical or regulatory reasons or reasons arising from third-party providers, D-ONE CASH may modify the billing date where reasonably necessary.

24.3 Automatic Charging, Renewal and Cancellation

By purchasing a subscription, the user expressly authorizes D-ONE CASH and its authorized payment providers to make recurring charges using the registered payment method until the subscription is cancelled in accordance with these Terms.

The subscription will renew automatically at the end of each billing cycle, unless the user cancels it beforehand.

Where a charge is declined, D-ONE CASH may: make further collection attempts; grant a grace period; request that the payment method be updated; temporarily limit certain features; suspend access to certain paid features; or cancel the subscription if the outstanding amount is not paid within the established period.

The user may cancel their subscription at any time through the portal provided for that purpose. The cancellation will take effect at the end of the billing cycle already paid.

Unless mandatory applicable legislation expressly provides otherwise, all subscription fees, charges and other amounts collected shall be final and non-refundable once the corresponding billing period has begun.

24.4 Administrative Expenses and Cost Recovery

Where the user breaches these Terms, the usage policies or the obligations arising from the contracted plan, D-ONE CASH may pass on, to the extent permitted by applicable legislation, the reasonable administrative costs actually incurred as a result of such breach.

These costs may include, among others: payment processing expenses; fees for bank chargebacks/returned payments; costs of recovering outstanding amounts; expenses arising from payment claims; fees applied by payment providers; or administrative costs caused by incorrect, outdated or incomplete billing information attributable to the user.

Whenever reasonably possible, such costs will be communicated to the user in advance before being passed on. These administrative expenses are independent of the fees, per-transaction charges or subscription fees applicable to the service.

24.5 Fraud Prevention and Abusive Use

D-ONE CASH may immediately suspend, cancel or revoke any promotional credit, discount, commercial benefit or advantage associated with a plan when it determines, in good faith and using reasonable criteria, that the user has engaged or attempted to engage in fraudulent or abusive activities, including, among others: manipulation of the system; creation of multiple accounts; use of false identities; simulation of transactions; improper obtaining of promotions; abuse of promotional campaigns; or any conduct aimed at obtaining benefits not intended by D-ONE CASH.

The adoption of these measures shall not limit the exercise of any other right or action available to D-ONE CASH under these Terms or applicable legislation.

24.6 Correction of Errors

D-ONE CASH reserves the right to correct, at any time, typographical, computer, administrative, accounting or calculation errors related to fees, subscriptions, promotions, discounts, credits or billing, even where such errors have been temporarily reflected in the user's account.

The correction of an error shall not give rise to any right in favor of the user where such error arises from a technical, human, operational or third-party provider failure.

24.7 Tax Obligations

Each user shall be solely responsible for determining and complying with the tax obligations that may arise from the use of promotions, discounts, credits or commercial benefits offered by D-ONE CASH, where applicable legislation so requires.

D-ONE CASH does not provide tax, accounting or financial advice and recommends consulting professional advisers where necessary.

24.8 Relationship with Third-Party Providers

Features related to subscriptions, billing, promotions, payment processing or commercial benefits may depend, in whole or in part, on third-party providers.

D-ONE CASH may modify, suspend, limit or remove any feature, benefit or program where this becomes necessary as a result of changes introduced by such third parties, legal or regulatory obligations, security or fraud prevention reasons, or any other reasonably justified circumstance, without this giving rise to any right to indemnification, compensation or refund, except where mandatory applicable legislation expressly provides otherwise.

25. Account deletion

25.1 Requirements for account deletion

The user may request the deletion of their account at any time through the platform, provided that they comply with these Terms and Conditions, as well as the applicable legal, regulatory and contractual obligations.

The deletion of an account may only be completed when all of the following requirements are met:

• (a) all balances, digital assets, rewards, credits or any other value associated with the account have been withdrawn or transferred;
• (b) there are no transactions, settlements, deposits, withdrawals or other operations pending execution;
• (c) there are no ongoing disputes, chargebacks, investigations, regulatory compliance reviews or legal proceedings related to the account;
• (d) any active subscription has been cancelled to prevent future automatic renewals and the billing period already paid has ended, unless the user opts for immediate deletion with an express waiver of the remaining time in accordance with clause 25.4;
• (e) where the user is the owner, administrator or representative of a business account (Business Account), such business account has previously been closed, transferred or regularized in accordance with these Terms and Conditions.

If any of these requirements is not met, the platform may refuse or postpone the deletion request until all of them have been satisfied.

25.2 Express consent of the user

As a security measure, before initiating the deletion process, the user must pass the identity verification mechanisms required by the platform at that time, including, where applicable, entering their password, biometric authentication, multi-factor authentication or other equivalent procedures.

Likewise, the user must expressly manifest their consent by manually entering, in the language displayed by the platform, the following statement:

• Spanish: "Soy consciente de las consecuencias de eliminar mi cuenta."
• English: "I am aware of the consequences of deleting my account."

By means of such express confirmation, the user acknowledges and accepts that:

• (a) the deletion of the account is final and irreversible;
• (b) once the deletion is completed, it will not be possible to recover access to the account or the associated services;
• (c) they must first withdraw all funds, digital assets and other values associated with the account;
• (d) the deletion of the account shall not give rise to any right to a refund, return, economic compensation or proration of the amounts paid for subscriptions;
• (e) certain data must be retained due to legal, regulatory or compliance obligations.

25.3 Audit log

In order to evidence the authenticity of the deletion request and protect the interests of both the user and D-ONE CASH, the platform may retain an audit log of such request, including, among others, the user's identifier, date and time of the request, IP address, information about the device used, language used, confirmation text entered, authentication mechanisms used and the version of the Terms and Conditions in force at the time of confirmation.

This log may be retained even after the final deletion of the account.

25.4 Cancellation of subscriptions and refund policy

The deletion of an account shall not result in the retroactive cancellation of any active subscription.

Where there is a subscription in force, the deletion request will only prevent future automatic renewals. The user will continue to enjoy access to the services until the end of the billing period previously paid, at which point the subscription will end automatically.

Unless applicable legislation expressly provides otherwise, all payments corresponding to subscriptions are final and non-refundable once the corresponding billing period has begun.

Consequently, the user shall not be entitled, under any circumstance arising from a voluntary cancellation or deletion of the account, to a total or partial refund of the amounts paid, nor to credits, economic compensation or prorated refunds for the remaining time of the subscription period already paid.

Where the user requests the immediate deletion of their account while there is an active subscription, they may voluntarily waive the remaining time of access to the contracted services. In such a case, the account may be deleted without waiting for the end of the current billing period, with the user expressly acknowledging and accepting that such waiver shall not give rise to any right to a refund, return, economic compensation or proration for the unused portion of the subscription.

25.5 Effects of deletion

Once the account has been permanently deleted:

• (a) access to the platform and to all associated services shall be permanently extinguished;
• (b) the account may not be restored or reactivated;
• (c) D-ONE CASH shall have no obligation whatsoever to recreate the account or to recover information whose retention is not required by applicable legislation.

25.6 Data retention

The deletion of the account shall not entail the erasure of data whose retention is mandatory or permitted under applicable legislation.

D-ONE CASH may retain personal data, transaction records, KYC/KYB documentation, AML/CTF-related records, communications, audit logs and any other information necessary for compliance with legal, tax and regulatory obligations, fraud prevention, prevention of money laundering, terrorist financing, compliance with international sanctions, dispute resolution, responding to requests from competent authorities or the defense of its legitimate rights and interests.

Likewise, certain external providers responsible for identity verification, payment processing, asset custody or regulatory compliance may retain information in accordance with their own legal obligations and privacy policies.

25.7 Limitation of liability

To the maximum extent permitted by applicable legislation, the user waives any claim based exclusively on the voluntary deletion of their account, provided that they had a reasonable opportunity to withdraw their assets and expressly confirmed that they were aware of the consequences of such deletion.

Nothing in this clause shall exclude or limit D-ONE CASH's liability where such limitation is prohibited by applicable legislation, including cases of fraud, willful misconduct or gross negligence.

26. Contact

For questions about these terms, write to us at support@d-onecash.com — DIGITALROCKETS LLC, 7901 4th St N STE 300, St. Petersburg, FL 33702, USA.