Terms of Service

1. Purpose and Scope

These Terms of Service (the "Terms") govern access to and use of the financial services platform operated by DigitalCap FX SARL, a company licensed as an electronic money institution in the Republic of Cameroon, providing in particular multi-currency accounts, foreign exchange transactions, cross-border transfers, virtual card issuance, and access to digital asset-related services (the "Service"). Any use of the Service constitutes full and unconditional acceptance of these Terms.

2. Definitions

• "User": any individual or legal entity who has created an account on the Platform;
• "Account": the secure personal space allowing the User to access the Service;
• "Digital Assets": cryptocurrencies and stablecoins (including USDT and USDC) accessible through the Platform;
• "Funds": amounts of money in fiat currency or electronic money held in the Account.

3. Acceptance of these Terms

Opening an Account and using the Service require unreserved acceptance of these Terms, the Privacy Policy, and any applicable supplementary policy (including our anti-money laundering policy). The User represents that they have the legal capacity required to enter into this agreement.

4. Eligibility and Account Opening

Access to the Service is reserved for adult individuals and duly incorporated legal entities residing or operating in the CEMAC and WAEMU regions, or any other region we may determine. Opening an Account requires providing accurate and up-to-date information and successfully completing the identity verification process described in Section 5.

5. Know Your Customer (KYC) and Anti-Money Laundering (AML/CTF)

In accordance with our status as a licensed institution and applicable anti-money laundering and counter-terrorism financing regulations, the User agrees to provide any document or information required to verify their identity, the source of their funds, and the nature of their transactions. We reserve the right to refuse to open an Account, suspend a transaction, or close an Account in the event of suspected irregularity, User non-cooperation, or non-compliance with regulatory requirements.

6. Description of Services

7. Digital Assets and Stablecoins — Risk Disclosure

8. Fees and Pricing

Fees applicable to the various transactions (exchange, transfer, card issuance, etc.) are disclosed to the User prior to confirming each transaction, in line with our commitment to fee transparency. We reserve the right to modify our fee schedule upon reasonable prior notice.

9. User Obligations and Undertakings

10. Account Security and User Responsibility

The User is solely responsible for keeping their login credentials and authentication methods confidential. Any transaction carried out from the Account using the User's valid credentials shall be deemed to have been carried out by the User, unless proven otherwise due to negligence attributable to DigitalCap FX.

11. Limitation of DigitalCap FX's Liability

DigitalCap FX implements reasonable measures to ensure the availability, reliability and security of the Service. However, we shall not be held liable for any interruption of the Service resulting from an event of force majeure, network or third-party provider failures, non-compliant use of the Service by the User, or fluctuations in the value of Digital Assets. To the extent permitted by applicable law, our liability is limited to direct and foreseeable damages resulting from our proven fault.

12. Suspension, Restriction and Closure of Account

We may suspend, restrict or close an Account, in particular in the event of non-compliance with these Terms, suspected fraudulent or unlawful activity, non-compliance with KYC/AML requirements, or upon instruction from a competent authority. The User may also request closure of their Account at any time, subject to settlement of any pending transactions.

13. Intellectual Property

All elements of the Platform (trademarks, logos, content, interfaces, software) are protected by the intellectual property rights of DigitalCap FX or its licensors. Nothing in these Terms grants the User any right over such elements, other than the right of use strictly necessary to use the Service.

14. Complaints and Dispute Resolution

Any complaint regarding the Service may be submitted to digitalcapfx@dgcap.com. We endeavor to address any complaint within a reasonable time. In the absence of an amicable resolution, the dispute may be brought before the competent courts in accordance with Section 15.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of Cameroon and, where applicable, the provisions of the Organization for the Harmonization of Business Law in Africa (OHADA), as well as the regulations applicable within the CEMAC and WAEMU regions. Any dispute relating to the validity, interpretation or performance of these Terms shall fall within the exclusive jurisdiction of the competent courts of Douala, subject to applicable mandatory rules.

16. Amendments to these Terms

We reserve the right to amend these Terms at any time, in particular to reflect legal, regulatory or operational developments. Users will be informed of any material change prior to it taking effect. Continued use of the Service after notification constitutes acceptance of the amended Terms.

17. Force Majeure

DigitalCap FX shall not be held liable for any failure to perform its obligations resulting from an event of force majeure, including any failure of telecommunications networks, banking infrastructure, or independent third-party service providers.

18. Miscellaneous

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The failure of DigitalCap FX to exercise any right under these Terms shall not be construed as a waiver of that right.

19. Contact