These Terms and Conditions ("Terms") constitute a legal agreement between you ("you," "your," or "customer") and SettleX Ltd. ("SettleX," "we," "our," or "us"). These Terms govern your access to and use of our website, platform, and related products and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms, including our Privacy Policy. If you do not agree, you must not use the Services. If you are entering into these Terms on behalf of a business entity, you represent and warrant that you have the authority to bind that entity, and "you" shall refer to the entity. You further represent that you will not use the Services in violation of any applicable laws or regulations.

The governing language of these Terms and all communications shall be English.

You may only use the Services if you are at least 18 years of age and legally capable of entering into a binding contract.

To access certain features, you must create an account and onboard your business. You agree to provide accurate, current, and complete information and to maintain it as such. Steps include: Sign up via our website; Verify your email; Complete your profile and business details; Submit required KYC documentation for your business and shareholders; Undergo verification, including sanctions, PEP, and adverse media checks; Upon approval, access your account dashboard to manage transactions and services.

Some Services may carry fees, as communicated to you separately. Fees are non-refundable unless expressly stated otherwise.

All intellectual property rights in and to the Services remain the exclusive property of SettleX and its licensors. You are granted a limited, revocable license to use the Services in accordance with these Terms.

You are granted a non-exclusive, non-transferable license to access and use our software as part of the Services. You may not copy, modify, reverse engineer, or distribute our software without prior written consent.

We use reasonable efforts to maintain secure, reliable Services but provide them “as is.” We disclaim all warranties, express or implied, including fitness for a particular purpose, availability, and non-infringement. You are required to enable two-factor authentication (2FA) for account security. We are not responsible for losses resulting from failure to enable or maintain security measures.

To the fullest extent permitted by law, SettleX shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including lost profits, data, or goodwill, arising from or related to your use of the Services.

You agree to indemnify and hold harmless SettleX, its affiliates, and staff from any claims, losses, or damages resulting from your breach of these Terms or misuse of the Services.

We may suspend or terminate your access to the Services if you breach these Terms, including by fraud, impersonation, or unlawful use.

We use cookies and similar technologies to enhance user experience and monitor performance. You can control cookies through your browser settings, but disabling them may limit functionality.

We take reasonable measures to protect personal and business information you provide. Details on collection, use, and storage of data are described in our Privacy Policy.

These Terms are governed by and construed in accordance with the laws of England and Wales. You agree to the non-exclusive jurisdiction of the courts of England and Wales.

You may terminate your account by ceasing to use the Services. We may suspend or terminate access at our discretion for violations of these Terms or legal requirements.

You may not use our Services for prohibited businesses or activities, including but not limited to: - Adult content or services - Gambling, betting, or lotteries - Firearms, weapons, or explosives - Controlled substances or drugs - Unlawful financial services (including unlicensed digital wallets, cryptocurrency exchanges, or pyramid schemes) - Any other illegal or fraudulent activities. SettleX also reserves the right to restrict onboarding from certain high-risk jurisdictions.

We may update these Terms from time to time. Updated Terms will be posted on this page with a revised “Last Updated” date. Continued use of the Services constitutes acceptance of the updated Terms.

These Terms supersede prior agreements. If any provision is held unenforceable, the remainder shall continue in effect. Failure to enforce any right does not waive it.

If you have concerns or complaints, contact us at: