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or the location from which they access or use the Website or Service.
1.5. The Company does not provide the Service:

in countries, subject to international and financial sanctions, including those imposed by Lithuania and according to FATF recommendations;
for the Clients from the Restricted Territory as defined in Section 9.3;
to the Clients that have previously been terminated or suspended from using the Service.

2. RISK WARNING; EXCHANGE RATE DISCLAMER
2.1. Please be advised that the value of Cryptocurrency can fluctuate significantly. Trading, buying and selling Cryptocurrency involve substantial risk. Carefully consider whether engaging in this activity is suitable for you. If you decide to proceed, please use the Service responsibly.
2.2. By accepting these Terms, the Client acknowledges understanding the possible risks associated with the Service. The Client confirms that the Client accept the risks involved, considering their objectives and financial capabilities. The Client confirms and understands that purchasing or selling Cryptocurrency carries potential large price fluctuations and the possibility of total loss in value. The Company shall not be responsible for any damage or loss incurred by the Client as a result of using the Services.
2.3. The Client is responsible for their own evaluation of transaction risks, having sought professional advice as needed. Pixtub gives no warranty as to the suitability of the Services and assumes no fiduciary duty in its relationship with the Client.
2.4. The Client understands that their user account may be temporarily suspended and agrees to waive any claims for damages resulting from such action. The Company is not liable for price fluctuations in Cryptocurrency and may suspend the Services during market disruptions, with no liability for any resulting losses. The Client acknowledges that market rates may differ significantly when the Services resume. The Company or its staff are not responsible for any losses of the Client which may occur using Cryptocurrency and/or the Service.
2.5. Due to the exchange rate difference, the difference in the time of the transaction, as well as other circumstances affecting the course, the size of the actual fees may be different from the stated.

3. ELIGIBILITY; CLIENT’S RESPONSIBILITIES
3.1. The Services are only available to individuals who are at least 18 years old (and at least the legal age in their jurisdiction). Pixtub reserves the right to ask for proof of age from the Client and the Client’s account with Pixtub may be suspended until satisfactory proof of age is provided.
3.2. By registering the Client’s account, you explicitly represent and warrant that you:

will comply with the laws and regulations of your jurisdiction when accessing and/or using the Website and the Service;
are not located in a Restricted Territory;
are at least 18 years old and have the legal capacity to accept these Terms and engage in transactions involving Cryptocurrencies;
possess the authority and legal capacity to accept these Terms and participate in transactions involving Cryptocurrencies;
have not previously been removed or suspended from the Service.

3.3. You agree not to grant any individual or organization access to your Client’s account, except as specified herein, as doing so may violate these Terms and/or the applicable laws.
3.4. The Client’s Responsibilities. The Client acknowledges and agrees, that it shall have the following responsibilities:

Accurate Information: the Client must provide true, accurate, current, and complete information at all times and during the registration process and promptly update this information if it changes.
Compliance with Applicable Laws: the Client is responsible for complying with all applicable laws, regulations, and rules in their jurisdiction, including but not limited to financial, tax, and reporting requirements, related to the use of the Services.
Adherence to the Terms: the Client agrees to adhere to all terms and conditions outlined in these Terms, and any additional terms communicated by Pixtub from time to time.
Account Security: the Client must ensure the security and confidentiality of their account information and login credentials, including username and password.
No Sharing of Account: The Client agrees not to grant access to their account to any third party. Sharing account access may violate applicable laws and Pixtub's policies.
Use of the Services: the Client agrees to use the Services only for lawful purposes and in accordance with these Terms. The Client must not use the Services to engage in any fraudulent, illegal, or unethical activities.
Funds Verification: the Client must ensure that all funds used in transactions are legally obtained and not from illegal activities. The Client may be required to provide documentation or information to verify the source of funds as part of Pixtub's KYC and AML obligations.
Transaction Monitoring: The Client is responsible for monitoring their account for any unauthorized or suspicious activity. Any discrepancies or issues must be reported to Pixtub promptly.
Timely Responses: the Client must respond promptly to any requests from Pixtub for information or documentation related to their Account or transactions.
Reporting Issues: the Client must promptly report any issues, security breaches, or potential hacking attempts to Pixtub. The Client agrees to cooperate with Pixtub in investigating and resolving any security issues.

3.5. The Client is prohibited from engaging in any form of market manipulation, including but not limited to front-running, wash trading, spoofing, layering, churning, and quote stuffing. Market manipulation refers to actions intended to deceive or mislead other users, artificially control or manipulate the price or trading volume of funds, or support such actions. These prohibited activities apply both on and off the Service. If the Company determines that the Client has engaged in market manipulation, the Client's account may be blocked, and the Company reserves the right to use the blocked funds to cover any negative consequences resulting from such actions.

4. PIXTUB ACCOUNT
4.1. Account Registration. The Client who wants to start using the Service has to register (sign up) and create an Account with Pixtub. Pixtub will confirm the Account registration via the email address provided during registration.
4.2. The Account is personal and only its holder, i.e. the Client, has the right to use it (log in). The Client can have one Account only. If the Company has suspicions that the Client has opened several Accounts, then the Company may without prior warning suspend or terminate the Client Accounts. If due to inaccurate data the Client has created several Accounts, the Client shall inform the Company thereof, so that all created Accounts would be merged into one Account.
4.3. The Account is opened for the Client for an indefinite period of time. The Client agrees to monitor all changes on their Account closely on regular basis, including but not limited to any changes in the Account balances.
4.4. The Client agrees to provide the Company with true, accurate, current, and complete proof of identity, and to promptly update their personal Information if and when it changes. The Client shall bear any losses that occur due to submission of incorrect or invalid data.
4.5. Client’s Identification.
To use the Services, the Client must complete the identification (verification) process. This includes:

Providing Identification Documents: The Client must provide a passport, ID card, or driving license. Identification documents must have an expiry date of more than one month fr om the submission date.

Providing Proof of Address Documents: The Client must provide proof of address documents such as household utility bills, bank statements, credit card statements, solicitor’s letters confirming recent house purchases, tax documents, or local authority tax bills. These documents must be no more than three months old and must show the Client’s name and current address.

Completing the KYC Form: The Client must complete the KYC form as required by the Company.

Submitting a Photo: The Client should take and submit a photo for verification purposes, wh ere applicable.

Providing Proof of Source of Funds: If the Client’s turnover exceeds EUR 15,000.00 per year, they must provide proof of the source of funds.
4.6. If personal data entered by Client is very different from provided in proof of identity documents, requests for identification should be declined.
4.7. Data and Document Requirements. The Company may request additional data or documents at any time to verify the Client's identity. These documents may typically include a government issued identity card, proof of address such as a utility bill, and proof of the payment method. When performing the Client’s identification, the Company has the right to demand the Client to provide originals of the documents and/or their copies and/or copies of documents approved by a notary, or another person authorized by the state. In addition, Company may request further information with respect to Company’s anti-money laundering ("AML") and know your client ("KYC") obligations. These documents will be notarized if needed at the Client’s expense. The Company may reject documents that fail compliance or security checks and is not obligated to explain its findings. If the documents provide a negative or uncertain conclusion, or if the Client is suspected to provide invalid documents or documents in any way proven to be misleading or misrepresenting, Pixtub may terminate the Account.
4.8. Withdrawals and transactions may have additional limitations imposed by the banks in accordance with security and legal requirements. When a Client purchases or exchanges Cryptocurrency:

Pixtub applies diligence measures based on the Client's risk level.
For the Clients with an aggregated turnover exceeding 15,000 EUR per year, Pixtub implements stricter due diligence requirements, such as requesting a recent bank statement to confirm the corresponding amount.
For customers who have conducted multiple transactions with an aggregated turnover exceeding 15,000 EUR per life cycle, irrespective of the time difference between individual transactions, Pixtub applies stricter due diligence requirements.

4.9. Account Management and Security. The Client can manage the Account online using their login name and password. The Client must create a strong password for the Account and keep it strictly confidential.
4.10. All actions performed by logging into the Client’s Account on third-party websites are considered as deals confirmed by the Client with its electronic signature. The Client's confirmations, orders, requests, and notifications within the Account are binding.
4.11. The Client is responsible for the security of its private key, username, and password, and any and all actions of the Client or its representative in the Account. If the Client loses his/her Account passwords, the Client undertakes to change the passwords immediately or, if the Client does not have a possibility to do so, the Client must notify Company thereof immediately (not later than within one calendar day) with the request to change the password. The Company shall not be liable for consequences that have originated due to the Client’s notification failure.
4.12. The Client must report any hacking attempts or security breaches to the Company immediately. For the avoidance of doubt, the Client should immediately notify Company if (i) there has been an unauthorised transaction sent from the Client’s Account; or (ii) there has been unauthorised access to the Client’s Account. Additional verification may be required for security breaches.
4.13. Please refer to our Online Payment Security Policy (https://pixtub.io/en/Online-Payment-Security-Policy) for information about our measures for ensuring payment security and PCI DSS compliance.
4.14. The Client’s Representations. The Client represents and confirms that:

incoming Cryptocurrency and/or fiat currency transferred to the Account is not received from illegal activity;
it will not use the Service provided by the Company for any illegal purposes and it commits not to perform any actions and operations in order to legalize money received from a criminal or illegal activity or source;
use of the Services is at the Client’s option, discretion and risk;
it is responsible for the security of the Client’s private key, username and password on its own device or internet access location. If this username-password combination is "hacked" from the Client device due to any viruses or malware that is present on the device that the Client access its Account with, this is the Client’s sole responsibility. The Client should report immediately to Pixtub any possible hacking attempts or security breaches from its device related to the Services. Additional verification may be required to proceed with the investigation and case resolution;
the personal (external) virtual wallet address to which the Company transfer Cryptocurrency, belongs and is owned by the Client;
During maintenance of the Service, the Client agrees that it is solely responsible for managing the risks associated with its Cryptocurrencies.

5. CLIENT’S ORDERS; ACCOUNT FUNDS; TRANSACTIONS
5.1. Client’s Orders. Through the Website and/or the Account, the Client can receive the Services (such as purchasing and/or selling the Cryptocurrency) by submitting its orders to the Company.
5.2. In order to carry out a transaction via the Account the Client shall fill in the order and submit it for execution by confirming its consent to carry out the order in the Account electronically. Submission of the order in the Account is deemed to be the Client's agreement to carry out such order.
5.3. Before executing a Client’s order, Pixtub may require documents proving the legal source of funds. If the Client does not provide such documents, Pixtub may refuse to execute the order. If funds are returned due to reasons beyond Pixtub's control, the amount will be credited back to the Client's account, minus any applicable fees. The Client must provide all necessary information regarding its orders and/or transactions within three (3) working days of the Pixtub's request. Failure to do so may result in suspension or termination of the Service.
5.4. Minimum Order Size. Any changes to the minimum order size will take effect immediately upon publication on the Website. The Client's continued use of the Services will constitute acceptance of such changes. For payment card orders, the minimum order size is 10.00 EUR or 15 USD.
5.5. Loading Funds and External Accounts. To complete an order, the Client must first load funds into its Account using one of the approved external accounts. The Client may be required to verify the external account and is solely responsible for its use, agreeing to comply with all terms and conditions applicable to such external account.
5.6. The timing of load transactions depends on third party providers maintaining the external account. Pixtub makes no guarantees regarding the time it takes to load funds into the Account. Additionally, Pixtub will only accept Cryptocurrency to fund the Account, and any fiat currency sent to an external account will be returned to the sender, minus applicable transfer fees.
5.7. Funds in the Account. The Client confirms that all incoming funds to the Client’s Account are not from illegal activities.
5.8. The Client acknowledges and agrees that after making the first transaction, it will have 48 hours to complete the verification. In case of refusal or expiration of the specified period, the Company will return the funds to the Client's account.
5.9. Order Submission and Irreversibility. The Client recognizes that orders should only be submitted after careful consideration and conducting the Client’s own research. The Client further understands and accepts the consequences of orders’ execution. The Client agrees that as soon as the order is executed, the relevant transaction is irreversible and may not be cancelled. Any decision to buy or sell Cryptocurrency is the Client’s decision and the Company will not be liable for any consequences of such decision or loss suffered.
5.10. Minimum Balance Requirements and Insufficient Balance. The Client agrees to maintain a sufficient balance in its Account to meet minimum requirements for currency exchange. The minimum balance requirements can be modified by Pixtub at its discretion. If there are insufficient funds to complete an order, Pixtub will cancel the entire order. Pixtub may suspend or cancel transactions if the Account balance is insufficient.
5.11. Purchase of Cryptocurrency. Following the opening of an Account, the Client can purchase Cryptocurrency from the Company in exchange for EUR. Once the payment of fiat currency is received by the Company, and subject to the provisions of the Terms, the Company will deliver the purchased Cryptocurrency to the Client’s external wallet address. The Client confirms that the provided wallet address is its personal wallet and that all payment details have been double-checked. By confirming the transaction, the Client agrees and acknowledges that the Company is not responsible for any losses due to incorrect wallet address input.
5.12. Processing of Orders / Transactions. Pixtub strives to process all orders within 24 hours of receiving the Client’s payment. Payments received outside of business hours (weekdays between 9:00-18:00) will be processed during the business hours of the following business day. In some cases, additional information or documents may be requested to complete a transaction. These must be provided within 24 hours of the request. Documents are typically reviewed within 24 hours of submission, excluding weekends. If the submitted documents do not meet the requirements, an additional request will be made, extending the review period by another 24 hours, excluding weekends. Under the circumstances, where the Client performs a payment via a credit or a debit card, the processing of the payment and the subsequent settlement of the order takes up to 72 hours, subject to the system workload.
5.13. Transactions will be billed with the descriptor Pixtub.io on bank or card statements. Only valid payment methods specified by Pixtub may be used for the Services.
5.14. Pixtub records and stores all orders and transaction information. These records can be provided to the Client or third parties as required by law. Pixtub may refuse to execute an order if there are doubts about the Client's identity or the legitimacy of the documents provided. Pixtub may demand additional confirmation or documentation at the Client's expense. Pixtub may also suspend or cancel orders if required by law or for reasons beyond its control. If an order is refused, the Client will be notified, unless prohibited by legal acts.
5.15. The Client must ensure the accuracy of recipient data for fiat currency or Cryptocurrency transfers. If incorrect data is provided for a transaction, Pixtub is not responsible for the transferred amount. The Client must immediately inform Pixtub if they receive currency by mistake and return it within three (3) business days upon request.
5.16. Order / Transaction Cancellation. The Client may only cancel an order before Pixtub executes the transaction. Once executed, the Client cannot change, withdraw, or cancel the transaction authorization. All transactions (i.e. exchanges of fiat currency and cryptocurrency) are final. Pixtub does not accept returns or provide refunds, except as otherwise stated in these Terms.
If the Client decides to change his/her mind and wishes to return the Cryptocurrency purchased from Pixtub, Pixtub would be able, at its sole discretion, to buy it back from the Client based on the current market rate minus the Fees applicable to the transaction. For this purpose, please contact Pixtub via email at support@pixtub.io.
5.17. Pixtub reserves the right to refuse to process, or to cancel or reverse, any transaction at its sole discretion. Reasons for this may include, but are not limited to, the Client having insufficient fiat currency or the inability to transfer fiat currency. This right remains even after funds or Cryptocurrency have been debited from the Client's Account.
5.18. Discretion and Limits. The Client acknowledges and agrees that the Company has sole discretion to reverse any of the Client’s orders and/or transactions. For instance, to maintain liquidity, the Company may trade Cryptocurrency with other exchanges. If there is insufficient liquidity of a certain Cryptocurrency, the Company may pause, decline, or reverse the Client’s order for purchasing that Cryptocurrency. The Client acknowledges that certain limits may apply to the sale of Cryptocurrency, including volume limits and compliance with the Company's KYC process. The Company reserves the right to change these limits at its sole discretion. Limits may be set per order, per day, and/or per month. If the Client's Account reaches a specified limit, the Client must follow the steps notified by the Company.
5.19. Handling Discrepancies. The Company reserves the right to process the Client’s order if the amount of fiat currency received in the relevant account differs from the order amount, provided the difference is not more than EUR 20.00. If the discrepancy exceeds EUR 20.00, the Company will contact the Client via email to request an order corresponding to the amount sent. If no response is received from the Client within three (3) business days, or if the Client refuses to place a correct order, the Company will issue a refund and return the transfer to the original sender using the Client's bank details.
5. 20. Transaction Errors. If Cryptocurrency or fiat currency is credited to the Client's Account by mistake or without a legal basis, Pixtub has the right to deduct the currency without the Client's order. If there are insufficient funds in the Account to cover the mistaken transfer, the Client must repay the credited amount within three (3) business days of receiving a request from Pixtub. The Client has no right to use or manage mistakenly credited funds and must return such funds to Pixtub immediately. If the Client provides incorrect data about the recipient of Cryptocurrency and/or fiat currency, it will be considered that the Company has fulfilled its obligations properly, and the transferred amount will not be repaid to the Client.
5.21. Illegal Transactions. The Client shall ensure that they do not use the Services for transactions related to:

Illicit drugs, controlled substances, and drug paraphernalia.
Weapons, firearms, ammunition, and explosives.
Stolen goods, including digital and virtual goods.
Activities that promote hate, violence, or discrimination.
Human trafficking and exploitation.
Gambling, betting, and lottery services not authorized by law.
Any other activities that are prohibited by applicable laws and regulations.

Pixtub reserves the right to monitor transactions for signs of illegal activities and to report any suspicious transactions to the appropriate authorities. If Pixtub suspects that a transaction or activity is illegal or violates these Terms, it may, at its sole discretion, suspend or terminate the Client's account, freeze any funds in the account, and report the activity to law enforcement or regulatory authorities. The Client agrees to cooperate fully with any investigation related to illegal activities.
5.22. Payment service providers. Please note that Pixtub is not a payment service provider and do not provide financial services. All transactions paid through the Services are processed by the payment service provider (“PSP”) engaged by Pixtub. The Client authorizes the engaged PSP to process all transactions on behalf of the Client. This includes, but is not limited to, the collection, processing, and transfer of funds as necessary to complete transactions using the Services. The Client acknowledges and agrees that all transactions made through the PSP are subject to the PSP’s terms and conditions and that the PSP is solely responsible for the handling and processing of these transactions.

6. FEES; PAYMENTS
6.1 The Client agrees to pay the Company the fees for every transaction completed via the Service (the “Fee(s)”). The Fees fall into three main categories:

Processing Fee: different payment methods have different associated costs, the processing fee depends on the payment method chosen by the Client.
Service Fee: the Company may imposes a service fee, depending on the chosen payment method and Ctyptocurrency.
Network Fee: a network fee is required to process transactions on the blockchain, this fee is charged per transaction, regardless of the amount paid, and varies based on market demand for the particular Cryptocurrency selected.

6.2. The Fees related to buying of Cryptocurrency are as follows:
VISA/MasterCard
• Processing fee: 4.5%
• Pixtub fee: 3%
• Network fee: Waived (min. fee 0.000051 BTC / 7 USDT ERC20 / 4 USDT TRC20)
SofortUber
• Processing fee: 4%
• Pixtub fee: 3%
• Network fee: Waived (min. fee 0.000051 BTC / 7 USDT ERC20 / 4 USDT TRC20)
6.3. The fees related to selling Cryptocurrency are as follows:
SEPA Out
• Processing fee: 5%
• Pixtub fee: 1.5%
• Network fee: Waived (min. fee 0.000051 BTC / 7 USDT ERC20 / 4 USDT TRC20)
6.4. Fee Adjustments. The Company reserves the right to change the Fees from time to time and retains the authority to unilaterally adjust its Fees. However, any modifications will only affect new transactions. Existing transactions will not be subject to fee adjustments. Therefore, the total and definitive Fees displayed when placing your order are conclusive and final. Any change in the Fees shall take effect when published on the Website and Client’s continued use of the Services will be deemed to constitute Client’s acceptance of such change.
6.5. All actual and applicable Fees can be viewed by the Client in the calculator on the Website or during the Client’s order submission. Once a Client’s order is placed, the displayed Fees are binding and final.
6.6. The rate at which the Company sells Cryptocurrency shall be determined in accordance with Section 7 below.
6.7. Payment Authorization. The payment is considered authorized only after the Client gives their consent. The consent can be confirmed by an electronic signature, the password, or a descriptor given to the Client when the payment appears on the Client’s bank card statement. The Client’s consent confirmed via any of these methods is considered appropriately confirmed by the Client, bears the same legal power as a paper document signed by the Client, and can be used as evidence when settling disputes between the Company and the Client in courts and other institutions. The Client does not have the right to challenge the payment performed by the Company if the payment order has been confirmed by the Client’s consent submitted by a method defined in this clause.
6.8. Payment Data. The Client agrees that the Company, while executing the payment, may transfer the Client's personal data possessed by the Company to providers directly related to the execution of such payment, including international payment card organizations and other banks or payment processors involved in the execution of the payment services.

7. SALE PRICE OF CRYPTOCURRENCY
7.1 All sale prices of Cryptocurrency shall be quoted in fiat currency as determined by Pixtub.
7.2. When the Client creates an order for sell and submits Cryptocurrency for exchange, the orders will be closed with a market type order at the current market rate combined from multiple exchanges.
7.3. The Client hereby understands and agrees that any price or rate of Cryptocurrency which appears on the Website, at which Cryptocurrency is sold, is accurate for that moment alone, due to the highly volatile nature of the price of Cryptocurrency and the period of time required for completing the transaction. Such period of time may vary depending on the method of payment and the third-party payment processors which are used by you or by us, as the case may be. The final price of your transaction will be at the transaction rate which appears on the Website upon execution and as stated in the order transaction summary, subject to the deduction of the applicable Fees.
7.4. You understand and agree that the final price may be either higher or lower than any other rate which was previously available on the Website, in accordance with value fluctuation which may occur, that this may change in your favour or not, and that we have no control whatsoever on such change.

8. REFUND POLICY
8.1. Our refund policy applies exclusively to the funds which the Client has sent to Pixtub in accordance with the order placed using the Website and/or Account. Any third-party Cryptocurrency trades, made at the exchange platforms other than Pixtub, will not be refunded.
8.2. If a refund request is made, the Client is required to provide all of the necessary documents which may be requested by Pixtub (such as, for example, the identification document), as well as to sign a refund invoice, which would be issued by the Company in the name of the client.
8.3. Refunds will be processed without undue delay, and in any event within 7 (seven) business days from cancellation of order, subject to the requirements set forth hereinabove, and provided that the Client does not fail to provide Pixtub with any information and/or documentation required in order to process the refund.
8.4. Under rare circumstances, and at its sole discretion, the Company may execute the exchange of the Cryptocurrency on the behalf of the Client and provide the Client with an equivalent return in a fiat currency, subject to the changes in the interest rate. Given the high volatility nature of the crypto assets, the amount returned to the Client in fiat currency may be different from the one, which was funded by the Client initially, when placing an order at Pixtub.
8.5. In rare circumstances relevant solely to wire transfers made to Pixtub, such as (1) failure of the Client to provide the relevant KYC documents required by Pixtub; (2) if the Client shares his/her log in data to the Client's account with a third party; (3) if the Client chooses to cancel the order, Pixtub reserves the right to cancel wire transfer order. In the event Pixtub cancels the order, if Pixtub already received the funds from the Client with regards to such order, Pixtub will, subject to applicable law and regulation, refund such funds to the Client. Such refund will be made to the same source from which they have originated, after deduction of any cost or expense Pixtub incurs with regards to such transfer, including without limitation any wire transfer charges, currency exchange charges and/or payment processing charges. The Client's funds may, at Pixtub’s sole discretion, be returned to another source to which the Client is the beneficiary, as long as the Client provides the Company with the required documents and information to verify that the account to which the funds were requested to be refunded belongs to the Client.
8.6. To comply with anti-money laundering and terrorist financing regulations or any other regulations and to prevent prohibited conduct, all payments and information related to the aforementioned refund may be verified by Pixtub. In such a case, Pixtub may request from the Client, at its sole discretion, to provide certain documents and information, including without limitation identification documents, copy of the credit card or bank details and/or any other proof required to affect the refund. In case the Client fails to provide appropriate documents or information, or in case of any doubts as to the authenticity of provided documents and information, Pixtub shall be entitled to cease the refund process until the Client takes appropriate measures, as requested.
8.7. Notwithstanding the above, Pixtub reserves the right to cancel the order without any refund, or decline any refund request, if it suspects that the Client has or is engaged in, or has in any way been involved in, fraudulent or illegal activity.
8.8. Any fees incurred as a result of a refund request (i.e. transfer fees) are to be paid by the Client.

9. PROHIBITED ACTIVITIES; RESTRICTED TERRITORIES
9.1. The Client, when using the Services or the Website, shall not conduct or shall not be engaged in the following prohibited activates:

Legal and Regulatory Violations: Failing to observe the Terms, violation of applicable laws and regulations, including those related to anti-money laundering and combating terrorist financing, or public order and good morals. The Client must not breach any law, statute, or contract.
Misrepresentation: Providing false, misleading, or incorrect information to the Company, and refusing to provide information reasonably requested by the Company.
Illegal Transactions: Transferring or receiving funds acquired illegally. The Client must not use the Services to engage in any form of prohibited activities, including those specifically mentioned in the Company's policies.
Misuse of the Services: Using the Account and other Services in a way that causes losses, liability, or other negative legal consequences to the Company or third parties. Undertaking any actions that could disrupt the provision of Services to the Client or third parties or interfere with the proper functioning of the Service or the Website.
Unauthorized Access and Use: Disclosing Passwords and other personalized security features to third parties or allowing others to use the Services under the Client's name, and accessing the Services from a country where the Services are not provided by the Company, according to clause 9.4 below.
Use Anonymous Accounts: Using an anonymous account is strictly prohibited.

9.2. Engaging in any of these prohibited activities may result in the suspension or termination of the Client's account and legal action taken by the Company. In addition, the Client shall reimburse all direct damages, fines and other monetary sanctions applied to the Company due to the Client’s failure to comply with the mentioned above or violation due to the fault of the Client.
9.3. The Client may not use the Services, and/or the Website if s/he is located or is a resident of a geographic area in which access to or use of the Services, the Website and/or its functionality is prohibited by applicable law, decree, regulation, treaty, or administrative act, including without limitation the following territories (each, a “Restricted Territory”): Afghanistan, Albania, Algeria, Angola, Bangladesh, Barbados, Belarus, Bolivia, Bosnia and Herzegovina, Bulgaria, Burkina Faso, Burundi, Cameroon, Central African Republic, Chad, China, Croatia, Cuba, Democratic Republic of the Congo, Democratic People's Republic of Korea (North Korea), Egypt, Ethiopia, Gabon, Gibraltar, Guinea, Guinea-Bissau, Haiti, Hong Kong, Iran, Iraq, Jamaica, Kosovo, Laos, Lebanon, Liberia, Libya, Madagascar, Mali, Moldova, Montenegro, Morocco, Mozambique, Myanmar (Burma), Nepal, Nicaragua, Niger, Nigeria, North Macedonia, Philippines, Republic of Congo, Russia, Saudi Arabia, Senegal, Serbia, Sierra Leone, Slovenia, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Tanzania, Tunisia, Turkey (Tűrkiye), Qatar, Uganda, the United Arab Emirates, the United Kingdom, the United States of America, Venezuela, Vietnam, Yemen, Zimbabwe as well as all disputed/occupied territories (e.g., Northern Cyprus, Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia territories etc.). Certain partial restrictions may apply to additional geographic areas, as shall be notified by the Company from time to time. The Restricted Territories list may change from time to time for reasons, which include but are not limited to licensing requirements and any other legal and regulatory changes.
9.4. The Client shall not use the Services where it is prohibited by law or regulation.
9.5. The Client understands and accepts that Pixtub is unable to provide Client with any financial or legal advice or assurances in respect of his/her use of the Services and Pixtub makes no representations whatsoever as to the legality of the Services in Client’s jurisdiction.

10. NOTIFICATIONS, COMMUNICATION WITH THE CLIENT
10.1. The Client confirms that it agrees with provision of notifications by Company to the Client by publishing them on the Website and/or sending them via email address indicated by the Client during registration.
10.2. The Client undertakes to check its email inbox and other instruments used within the Account regularly, at least once a business day.
10.3. The Client must renew the contact data (telephone number, email address and post address) on its Account within one (1) working day from its change. The Client shall submit documents substantiating changes (e.g. changes in the name, surname, signature, address, phone number, other contact data, personal document, initiation of bankruptcy proceedings against the Client etc.), whether this information is already transferred to public registers or not in 10 (ten) working days from the date of change. If the Client fails to renew the contact data on the Account, all consequences due to failure of the Company to submit notifications to the Client shall fall on the Client.
10.4. The Client may contact the Company with inquiries, requests for information, or assistance regarding the Services. The Company will provide support through its customer service channels as specified on the Website. The Client should provide accurate information and follow the prescribed procedures to facilitate effective communication.
10.5. All communications and notifications will be conducted in English language. The Client should inform the Company if they require communication in a different language, and the Company will make reasonable efforts to accommodate such requests, subject to availability.

11. SUSPENSION OF THE SERVICE, TERMINATION OF THE ACCOUNT
11.1. The Company may unilaterally and without prior warning take the following actions:

Suspend execution of orders/transfers.
Suspend provision of all or part of the Services, refuse to provide the Services.
Limit the Client's access to the Account.
Detain funds that are the subject to a dispute.
Fully or partially suspend transactions on the Account and/or the payment instrument.

11.2. If the Client terminates the Account or if the Company terminates the provision of the Service and close the Account, the funds held in the Client's Account shall be transferred to the Client's bank account or another payment account indicated by the Client. Third-party accounts are not supported for such transfer or return. The Company reserves the right to deduct any amounts owed to it from the repaid funds. In the event of a dispute, the Company has the right to detain the disputed funds until the issue is resolved, or, as the case may be, to return the detained funds on the account to the primary sender of the funds. If funds from primary senders are detained in the Client's Account, and the Client does not perform the requested actions (such as additional identification or document submission) within the specified time period or does not provide a reasoned explanation, the detained funds will be returned to the primary sender.
11.3. Suspicion of Illegal Activities. If the Company has reasonable suspicions that the Client is involved in money laundering, financing terrorism, or other criminal activities, the Company has the right to suspend the provision of Services without explanation or notification until the suspicions are fully resolved.
11.4. Client-Initiated Account Termination. The Client can request the Company to block or terminate (i) its Account at any time by providing 30-days priot notice to the Company, and/or (ii) payment instrument if it has been stolen, lost, or used in an unauthorized manner. The latter request must be submitted to the Company immediately upon discovery of such circumstances.
Upon termination, any remaining funds in the Account will be returned to the same Client account from which they were initially transferred.
11.5. Inactivity-Based Termination. The Company may terminate the Account if no operations have been made on the Client's Account for more than a year, upon the Clients's notification.
11.6. Outstanding Responsibilities. Termination of the Terms or the Account does not exempt the Client from fulfilling all responsibilities to the Company that arose prior to termination.
11.7. The Company's Right to Terminate. The Company reserves the right to terminate these Terms and close any existing Account without prior notice if:

The Client has provided false, incorrect, or incomplete information regarding their identity or the origin of their funds.
The Client is suspected of or connected to money laundering, terrorist financing, or fraudulent activities.
The Company suspects the Client is using the Account for unlawful activities, including money laundering or terrorist financing, or to circumvent sanctions or restrictions.
The Company possesses information about the Client's reputation that may negatively impact the Company's operations.
The supervisory authority, government institution, international organization, or bank partner urges termination of the business relationship with the Client.
The Client fails to provide the information requested by the Company or required under applicable laws.
Other cases as specified in the Company’s policies.

12. LIMITATION OF LIABILITY
12.1. To the fullest extent permitted by applicable law, Pixtub and its affiliates, officers, directors, employees, agents, and representatives shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (i) the Client’s access to or use of, or inability to access or use, the Services; (ii) any conduct or content of any third party on the Platform; (iii) any unauthorized access, use, or alteration of the Client’s transmissions or content; or (iv) any other matter relating to the Services.
12.2. Pixtub shall not be liable for any damages, losses, or expenses resulting from (i) mistakes, omissions, interruptions, delays, errors, or defects in the operation of the Services; (ii) failure of performance, whether or not resulting from acts of nature, communications failure, theft, destruction, or unauthorized access to Pixtub's records, programs, or the Services; or (iii) events beyond Pixtub's reasonable control.
12.3. In all cases, Pixtub shall not be responsible for the profit and income the Client has not received, loss of Client's reputation, loss or failure of Client's business, and indirect damages.
12.4. Pixtub does not guarantee uninterrupted Service operation, because Service operation can be influenced (disordered) by many factors, which are beyond control of Pixtub. Pixtub shall put all efforts to secure as fluent Service operation, as possible; however, Pixtub shall not be liable for consequences originating due to Service operation disorders.
12.5. Pixtub is not liable for any of the following types of loss or damage arising under or in connection with these Terms or otherwise:

Money funds transfer from the Account and for other Payment operations with money on the Client's Account if the Client has not protected his/her Passwords and identification instruments, and they have become known to other persons, and also for illegal actions and operations of third persons performed using counterfeited and/or illegal documents or illegally received data;
Errors made by banks, payment systems and other third persons;
Consequences which arise after Company legally terminates the Agreement, cancels Client’s Account or limits access to it, also after reasonable limitation/termination of provision of a part of the Services;
Any loss of profits or loss of expected revenue or gains, including any loss of anticipated trading profits and / or any actual or hypothetical trading losses.
Any loss of or damage to reputation or goodwill; any loss of business or opportunity, customers or contracts; any loss or waste of overheads, management or other staff time; or any other loss of revenue or actual or anticipated savings.
Any loss of use of hardware, software or data and / or any corruption of data; including but not limited to any losses or damages arising out of or relating to any inaccuracy, defect or omission of digital currency price data; any error or delay in the transmission of such data; and / or any interruption in any such data.
Any loss or damage whatsoever which does not stem directly from the breach of these Terms by the Company; and / or any loss or damage whatsoever which is in excess of that which was caused as a direct result of the breach of these Terms by the Company (whether or not the Client is able to prove such loss or damage).
Any loss due to circumstances beyond the control of the Company, such as war or the threat of war, a change of political regime or other third-party actions.
The Client should be very attentive while specifying the wallet number. In case a typing error was made and the funds were directed to the wallet which is different from the one belonging to the Client, the transaction is irrevocable. It is suggested to use a wallet that only the Client has access to. The Company does not bear the responsibility for the loss which may result from a typing error and / or the use of the wallet which is accessible to third parties.

12.6. The Client is fully responsible for the correctness of data and orders provided for Pixtub and when filling in documents in the Account or Service.
12.7. The Client bears all the losses that have arisen due to unauthorized transaction where these loses have been incurred due to (i) usage of a lost or stolen payment instrument; or (ii) illegal acquisition of a payment instrument if the Client has not protected personalized security features (including identity confirmation instruments).
12.8. The Client acknowledges and agrees that the Services are provided on an "as is" and "as available" basis. Pixtub makes no warranties or representations of any kind, whether express, implied, statutory, or otherwise, regarding the Services, including any warranty that the Services will be uninterrupted, error-free, or free of harmful components, or that any content will be secure or not otherwise lost or damaged.

13. NO FINANCIAL OR LEGAL ADVICE
13.1. Pixtub does not provide any form of financial, investment, or legal advice. Any information or communication from Pixtub, whether oral or written, should not be construed as such. The Client is responsible for seeking independent financial and legal advice before making any decisions related to the use of Pixtub's Services.
13.2. The Client acknowledges and agrees that all transactions conducted through Pixtub are at their own risk. Pixtub makes no representations or warranties regarding the suitability, reliability, or accuracy of any information or Service provided. The Client should perform their own due diligence and rely on their own judgment in making investment decisions.
13.3. Pixtub disclaims any liability for any financial or legal decisions made by the Client based on information provided by Pixtub. The Client agrees to hold Pixtub harmless from any and all claims, losses, or damages arising from or related to their financial or legal decisions.

14. THIRD-PARTY SYSTEMS
14.1. Pixtub's Services may include access to or integration with third-party systems, platforms, and services ("Third-Party Systems"). The use of Third-Party Systems is subject to the terms and conditions and privacy policies of those third parties. The Client agrees to comply with all applicable terms when using Third-Party Systems in conjunction with Pixtub's Services.
14.2. Pixtub makes no representations or warranties regarding, and does not endorse, any Third-Party Systems. The Client acknowledges that their use of Third-Party Systems is at their own risk, and Pixtub shall not be liable for any damages, losses, or expenses arising from or related to the use of Third-Party Systems.
14.3. Any interactions, transactions, or communications between the Client and Third-Party Systems are solely between the Client and the third party. Pixtub is not responsible for any issues or disputes arising from such interactions, transactions, or communications. The Client agrees to resolve any disputes directly with the third party.
14.4. Pixtub may provide links or access to Third-Party Systems for the convenience of the Client. Such links or access do not imply any endorsement, approval, or affiliation between Pixtub and the third-party providers. The Client is responsible for reviewing and understanding the terms and conditions and privacy policies of any Third-Party Systems they choose to use.
14.5. Pixtub shall not be responsible for the performance, availability, or reliability of any Third-Party Systems. Any issues or problems with Third-Party Systems should be directed to the appropriate third-party provider. The Client agrees to hold Pixtub harmless from any and all claims, losses, or damages arising from or related to their use of Third-Party Systems.

15. DATA PROTECTION
15.1. Collection and Use of Personal Data: Pixtub collects, processes, and stores the Client’s personal data in accordance with applicable data protection laws and regulations. The Client’s personal data is used to provide and improve Pixtub’s Services, for identity verification, to comply with legal obligations, and for other purposes as outlined in Pixtub’s Privacy Policy.
15.2. Data Security and Confidentiality: Pixtub implements appropriate technical and organizational measures to protect the Client’s personal data against unauthorized access, disclosure, alteration, or destruction. The Client is responsible for maintaining the confidentiality of their account credentials and must immediately notify Pixtub of any unauthorized use of their account or any other security breach. Pixtub will not be liable for any loss or damage arising from the Client’s failure to comply with these security obligations.

16. CLIENT'S DISPUTES. HANDLING OF COMPLAINTS
16.1. Company aims to settle all disputes with Client amicably, promptly and on terms acceptable to Parties; thus, in case of a dispute, Clients are encouraged to, first of all, address Company directly. Disputes are solved by negotiation.
16.2. Client may submit complaints about the Services to Company in accordance with the Customer Complaints Management Procedure provided in this section 17 below.
16.3. Complaints Management Procedure. In case the Client experiences any difficulties with the Services or require any assistance regarding the performed Client’s orders and/or transactions, Client may address them to Company through email (info@pixtub.io) within regular working hours during business days (9:00-18:00). Also, Client may submit any claim or complaint regarding Services provided by Company by sending a notification via email (info@pixtub.io).
16.4. The complaint shall specify circumstances and documents on the bases of which the complaint has been submitted. If the Client bases his/her complaint on documents, which Company does not possess, the Client shall also submit such documents or their copies when filing the complaint.
16.5. Terms of examination of claims or complaints of Clients:

Company shall examine Client's claim or complaint and notify the Client about the decision not later than within 14 (fourteen) days, except when legal acts or other Company binding acts related to provision of Services (e.g. rules of international payment card organizations) establish a different time limit.
If Company cannot provide the answer to the complaint of the Client within the time period specified in this clause, Company shall inform the Client about the reasons and indicate when the Client will receive the answer.