Terms of Service

1. Introduction and Acceptance of Terms

Welcome to Crestum AG (the "Platform"). These Terms of Service (these "Terms" or "Agreement") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you," "User," or "Client") and Crestum AG, a company registered at [Your Company Address], along with its parents, subsidiaries, and affiliates (collectively, "we," "us," "our," or "Crestum AG"), concerning your access to and use of the Platform. The Platform includes our website(s) (e.g., https://crestum-ag.com), mobile application(s), Application Programming Interfaces ("APIs"), and any other software, tools, features, or functionalities provided by us (collectively, the "Services").

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE SERVICES, CREATING AN ACCOUNT, SUBMITTING AN ORDER, OR BY CLICKING A BUTTON OR CHECKING A BOX MARKED "I AGREE" (OR SIMILAR WORDING), YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS, INCLUDING OUR Privacy Policy, Fee Schedule, API Agreement (if applicable), and any other policies, guidelines, or supplemental terms referenced herein or published on the Platform, all of which are incorporated by reference into these Terms. These documents collectively form the entire agreement between you and us.

If you do not agree with all of these Terms, including any documents incorporated by reference, then you are expressly prohibited from using the Services and you must discontinue use immediately. Your continued use of the Services will be deemed your acceptance of these Terms as amended or updated.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms and/or by sending a notification through the Platform or to your registered email address. You waive any right to receive specific notice of each such change beyond such notification. It is your responsibility to periodically review these Terms to stay informed of updates. Your continued use of the Platform after the date such revised Terms are posted will constitute your awareness, acceptance of, and agreement to be bound by the changes. For substantial changes, we may provide a more prominent notice or seek your explicit consent.

2. Definitions

Unless otherwise defined herein or the context otherwise requires, capitalized terms shall have the meanings assigned to them in this section:

Account:

The personalized user account created on the Platform to access and use the Services, subject to successful completion of identity verification and other onboarding procedures.

AML/CFT:

Anti-Money Laundering and Counter-Financing of Terrorism laws, regulations, and practices.

API:

Application Programming Interface, a set of rules and protocols for building and interacting with software applications, provided by Crestum AG for programmatic access to certain Services.

Applicable Law:

All relevant local, state, national, and international laws, statutes, regulations, ordinances, rules, judgments, decrees, and orders applicable to your use of the Services and your obligations under these Terms.

Blockchain:

A distributed, immutable ledger technology that records transactions in blocks that are cryptographically linked together.

Content:

All information, data, text, software, music, sound, photographs, graphics, video, messages, or other materials, including User Content and Platform Content.

Digital Assets:

Refers to cryptocurrencies (e.g., Bitcoin, Ethereum), stablecoins, tokens, non-fungible tokens (NFTs), virtual commodities, or other digital representations of value that are based on cryptographic protocols and recordable on a distributed ledger technology network. Also referred to as 'Cryptocurrency' or 'Virtual Currency'.

Digital Asset Wallet:

A software application or other mechanism provided by the Platform or a third party that allows users to store, send, and receive Digital Assets.

Fiat Currency:

Government-issued currency that is designated as legal tender in its country of issuance through government decree, regulation, or law, such as USD, EUR, GBP, etc.

Fork:

A change in the protocol of a Digital Asset's underlying Blockchain network, which may result in a permanent divergence of the Blockchain into two or more separate chains.

Force Majeure Event:

Any event or circumstance beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, epidemics, quarantine restrictions, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials, or failures of telecommunication or information services infrastructure, hacking, SPAM, or any failure of a computer, server, or software.

Intellectual Property:

All patents, copyrights, design rights, trademarks, service marks, trade secrets, know-how, database rights, and other intellectual property rights (whether registered or unregistered) and all applications for the same, anywhere in the world.

KYC/CDD:

Know Your Customer / Customer Due Diligence procedures, involving identity verification and risk assessment as required by AML/CFT regulations.

Losses:

Any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and court costs).

Platform:

The website(s) (e.g., https://crestum-ag.com), mobile application(s), APIs, and technological infrastructure, including all software and systems, operated by Crestum AG for providing the Services.

Platform Content:

All Content available on the Platform or through the Services, excluding User Content, including but not limited to text, graphics, logos, images, software, and trademarks.

Prohibited Activities:

Activities explicitly forbidden on the Platform, as detailed in Section 5 (User Obligations, Conduct, and Prohibited Uses) of these Terms.

Prohibited Jurisdiction:

Any country, territory, or jurisdiction where access to or use of the Services is prohibited by Applicable Law, or which is subject to comprehensive economic sanctions by relevant authorities (e.g., OFAC, UN, EU, UK). A list of Prohibited Jurisdictions may be maintained and updated by us on the Platform.

Sanctions:

Economic or financial sanctions, trade embargoes, or other restrictive measures imposed, administered, or enforced by relevant governmental authorities, including but not limited to the United Nations, the European Union, Her Majesty's Treasury (UK), and the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC).

Security Breach:

Any unauthorized access, use, disclosure, modification, or destruction of information or systems, or interference with system operations in a way that compromises the security, confidentiality, integrity, or availability of your Account, data, or the Platform.

Services:

Includes, but is not limited to, Digital Asset trading (spot, futures, options), arbitrage trading assistance tools, Digital Asset deposit and withdrawal services, Digital Asset staking and earning programs, API access, Digital Asset Wallet services, educational materials, market data, and any other features, tools, or information provided by Crestum AG through the Platform.

Taxes:

All taxes, duties, levies, tariffs, and other governmental charges (including, without limitation, VAT, GST, sales tax, income tax, withholding tax) imposed by any domestic or foreign taxing authority.

Third-Party Services:

Services, content, products, or applications provided by entities or individuals other than Crestum AG that may be accessible through or integrated with the Platform.

User Content:

Any feedback, suggestions, ideas, data, information, text, graphics, images, or other materials that you provide, submit, upload, post, or display on or through the Platform (excluding your personal data, which is governed by the Privacy Policy).

3. Eligibility, Account Registration, and Security

3.1. Eligibility Criteria

To be eligible to open an Account and use the Services, you represent and warrant that:

• You are an individual, legal person, or other organization with full legal capacity and authority to enter into these Terms.
• If you are an individual, you are at least 18 years old or of legal age to form a binding contract under Applicable Law in your jurisdiction of residence.
• If you are acting as an employee or agent of a legal entity, you have the full legal authority to bind such entity to these Terms.
• You have not been previously suspended or removed from using our Services.
• You are not located in, under the control of, or a national or resident of any Prohibited Jurisdiction.
• You are not identified as a "Specially Designated National" by OFAC, nor are you placed on the U.S. Commerce Department's Denied Persons List or any other Sanctions list.
• Your use of the Services will not violate any and all Applicable Laws and regulations, including but not limited to regulations on AML/CFT, anti-corruption, and counter-terrorist financing.
• You will only use the Services for your own account and not on behalf of any third party, unless explicitly authorized by us for specific services (e.g., corporate accounts).

We may, at our sole discretion, refuse to open an Account for you, or limit the number of Accounts you may hold.

3.2. Account Registration and Identity Verification (KYC/CDD)

To use most features of the Services, you must register for an Account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. False, misleading, or outdated information may result in the immediate suspension or termination of your Account.

As part of our KYC/CDD process and AML/CFT compliance, we will require you to provide certain personal information, including but not limited to your full name, date of birth, residential address, email address, phone number, nationality, tax identification number, government-issued identification documents (e.g., passport, driver's license), and potentially information regarding your source of funds or wealth. You authorize us, directly or through third-party service providers, to make any inquiries we consider necessary to verify your identity, protect against fraud, and comply with our legal obligations. This may include querying information from value providers and public records.

You acknowledge and agree that your personal information may be disclosed to credit reference, fraud prevention, or financial crime agencies and that these agencies may respond to our inquiries in full.

We may require enhanced due diligence for certain users or transactions, at our discretion or as required by Applicable Law. Failure to complete or maintain satisfactory identity verification may result in the rejection of your Account application, or the suspension or termination of your existing Account.

3.3. Account Security

You are solely responsible for maintaining the confidentiality and security of your Account credentials, including your password, two-factor authentication (2FA) codes, API keys, and any other codes or information associated with your Account. You agree not to share your Account credentials with any third party.

You are responsible for all activities that occur under your Account, whether or not authorized by you, including all transactions, deposits, withdrawals, and other operations. We are not liable for any Loss or damage arising from your failure to comply with these security obligations.

You must implement reasonable and appropriate measures to secure access to your Account, including: (a) using a strong, unique password; (b) enabling and utilizing 2FA for all login and transactional activities; (c) keeping your email account and devices used to access the Platform secure; (d) regularly monitoring your Account activity; and (e) not accessing your Account from public or shared computers.

You must immediately notify us at [email protected] or via our Support Portal if you know or suspect any unauthorized use of your Account, any Security Breach, or any other security incident related to your Account or the Platform. Upon receiving such notification, we may take steps to protect your Account and the Platform, including suspending your Account.

Crestum AG will never ask you for your passwords or 2FA codes via email, phone, or any other means of communication, other than through the official Platform interface during login or transaction authorization processes. Be wary of phishing attempts.

4. Description of Services

Crestum AG provides an online platform for accessing various financial services related to Digital Assets and, where applicable, Fiat Currency. The specific Services available to you may vary depending on your jurisdiction of residence, our internal risk assessment, and other factors. Our Services may include, but are not limited to:

1. Digital Asset Trading: Facilitating the buying, selling, and trading of Digital Assets against other Digital Assets or Fiat Currencies (spot trading). This may include various order types such as market orders, limit orders, and stop-loss orders.
2. Derivatives Trading: Access to derivative contracts based on various underlying Digital Assets, such as futures contracts, options contracts, and perpetual swaps. These are complex financial instruments and involve significant risk, including the potential for leverage.
3. Arbitrage Trading Tools: Information, analytics, and tools designed to assist users in identifying and potentially capitalizing on price differences of Digital Assets across different markets or trading pairs. These tools are provided for informational purposes only and do not guarantee profit.
4. Staking and Earning Programs: Programs allowing users to stake certain Digital Assets or deposit them into earning accounts to receive rewards or interest, subject to specific terms and conditions for each program. Risks associated with these programs will be disclosed.
5. Digital Asset Wallet Services: Services for holding, sending, and receiving supported Digital Assets through a hosted wallet on the Platform. You retain control over the private keys associated with external wallets you use to deposit or withdraw Digital Assets, but private keys for assets held within the Platform's custodial wallets are managed by us or our third-party custodians.
6. API Access: Programmatic access to certain Platform features, market data, and trading functionalities for qualified users, subject to the API Agreement.
7. Fiat Currency Services: Facilitating the deposit and withdrawal of Fiat Currency to and from your Account for the purpose of trading Digital Assets, subject to availability and partnerships with payment processors or financial institutions.
8. Educational Resources: Providing articles, guides, tutorials, and market analysis related to Digital Assets and trading.
9. Over-the-Counter (OTC) Trading: For qualifying institutional or high-net-worth clients, facilitating large block trades of Digital Assets directly, outside of the public order books.

The availability of specific Services, Digital Assets, or Fiat Currencies on the Platform is not guaranteed and may be changed, suspended, or discontinued at our sole discretion, with or without notice. We may also impose limits or conditions on access to certain Services.

You acknowledge that Crestum AG is not a bank, broker-dealer, financial advisor, or investment manager. The Services provided are execution-only, unless explicitly stated otherwise for a specific service. We do not provide financial, investment, legal, tax, or any other professional advice. Any information or content provided on the Platform is for informational purposes only and should not be construed as an endorsement, recommendation, or solicitation to buy, sell, or hold any Digital Asset or engage in any trading strategy.

5. User Obligations, Conduct, and Prohibited Uses

5.1. General Obligations

As a condition of your use of the Services, you agree to:

• Comply with these Terms and all Applicable Laws and regulations.
• Provide accurate, complete, and truthful information to us and keep it updated.
• Use the Services only for lawful purposes and in a manner consistent with their intended use.
• Be solely responsible for all activities conducted through your Account.
• Secure your Account credentials and promptly notify us of any unauthorized use.
• Bear all risks associated with your use of the Services and your Digital Asset and Fiat Currency transactions.
• Cooperate with any investigation we may conduct regarding suspicious activity or potential violations of these Terms or Applicable Law.

5.2. Prohibited Uses and Activities

You are strictly prohibited from using your Account or the Services to engage in any of the following activities ("Prohibited Activities"). This list is not exhaustive, and we reserve the right to determine what conduct we consider to be a violation of these Terms or harmful to the Platform, other users, or third parties:

• Illegal Activities: Violating any applicable local, state, national, or international law, statute, ordinance, rule, or regulation, including those relating to financial services, data protection, consumer protection, anti-discrimination, or AML/CFT.
• Fraudulent Activities: Engaging in any fraudulent activity, misrepresentation, or deception, including impersonating any person or entity, creating a false identity, or providing false or misleading information.
• Market Manipulation: Engaging in any activity that manipulates or attempts to manipulate the market for any Digital Asset, such as wash trading, spoofing, layering, front-running, pumping and dumping, or spreading false or misleading information.
• Intellectual Property Infringement: Infringing upon or violating our Intellectual Property rights or the Intellectual Property rights of others.
• Unauthorized Access: Attempting to gain unauthorized access to the Platform, other users' Accounts, computer systems, or networks connected to the Services through hacking, password mining, or any other means.
• Circumvention of Security: Attempting to circumvent any security features, access controls, or geographic restrictions of the Platform.
• Harmful Code: Uploading, transmitting, or distributing any viruses, worms, Trojan horses, malware, spyware, or any other malicious or harmful code or software.
• Disruption of Services: Interfering with, disrupting, or creating an undue burden on the Services or the servers or networks connected to the Services; engaging in denial-of-service attacks.
• Data Mining/Scraping: Using any automated system (bots, spiders, scrapers, etc.) to access, monitor, or extract data from the Platform without our express prior written permission, except for standard search engine indexing.
• Unsolicited Promotions: Sending unsolicited advertising, promotional materials, spam, or any other form of solicitation.
• Abusive Behavior: Engaging in any activity that is abusive, defamatory, harassing, hateful, obscene, pornographic, threatening, or otherwise objectionable.
• Financing of Illegal Activities: Using the Services to finance, support, or engage in any illegal activities, including but not limited to terrorism, proliferation of weapons of mass destruction, or illegal gambling.
• Transactions with Sanctioned Persons/Jurisdictions: Engaging in transactions involving individuals or entities on Sanctions lists or located in Prohibited Jurisdictions.
• Circumvention of Terms: Assisting any third party in engaging in any activity prohibited by these Terms.
• Operating an Unlicensed Money Services Business: Using the Services to operate an unlicensed money services business, money transmitter, or any other business requiring financial licensing without proper authorization.
• Exploiting Platform Vulnerabilities: Taking advantage of any technical glitch, loophole, or error in the Platform for personal gain or to harm others.
• Creating Multiple Accounts for Abuse: Registering or using multiple Accounts for the purpose of circumventing trading limits, promotions, or other restrictions, or to engage in Prohibited Activities.

5.3. Consequences of Breach

If we determine, in our sole discretion, that you have breached these Terms or engaged in any Prohibited Activity, we may take any actions we deem appropriate, including but not limited to:

• Issuing a warning.
• Restricting, suspending, or terminating your access to your Account and the Services, temporarily or permanently.
• Freezing or confiscating assets in your Account as permitted by Applicable Law.
• Reporting the activity to law enforcement authorities, regulatory bodies, or other relevant third parties.
• Initiating legal proceedings against you to recover Losses incurred by us as a result of your actions.
• Blocking transactions from or to certain addresses or jurisdictions.

You agree that our decisions in this regard are final and binding, and you waive any right to claim damages or compensation for any action taken by us in accordance with this section.

6. AML, CFT, and Sanctions Compliance

Crestum AG is committed to complying with all applicable Anti-Money Laundering ("AML"), Counter-Financing of Terrorism ("CFT"), and economic and trade Sanctions laws and regulations ("Sanctions Laws") in the jurisdictions where we operate.

Our AML/CFT and Sanctions compliance program includes, but is not limited to: (a) conducting KYC/CDD on all users; (b) monitoring transactions for suspicious activity; (c) screening users and transactions against Sanctions lists; (d) reporting suspicious activity to relevant authorities; and (e) maintaining appropriate records.

You agree to provide us with all information and documents we may require, at any time, to verify your identity and the purpose of your transactions, and to comply with our AML/CFT and Sanctions Laws obligations. This may include, but is not limited to, information about your source of funds, source of wealth, and the nature of your transactions.

We may, in our sole discretion and without prior notice, refuse to open an Account, suspend or terminate your Account, restrict your access to the Services, block or cancel transactions, or freeze or confiscate assets in your Account if: (a) we suspect or determine that you are violating or have violated AML/CFT or Sanctions Laws; (b) you fail to provide required information or documentation; (c) you provide false, misleading, or incomplete information; (d) you are found to be a Sanctioned Person or are located in, or attempting to access the Services from, a Prohibited Jurisdiction; or (e) such action is required by Applicable Law or by a request from a regulatory or law enforcement authority.

You represent and warrant that: (a) you are not a Sanctioned Person (i.e., an individual or entity designated on any Sanctions list maintained by relevant authorities such as OFAC, UN, EU, UK); (b) you are not located in, ordinarily resident in, or accessing the Services from, any Prohibited Jurisdiction subject to comprehensive Sanctions; (c) the funds or Digital Assets used in connection with the Services are not derived from or related to any illegal or criminal activity; and (d) you will not use the Services to facilitate or engage in any Prohibited Activities or transactions involving Sanctioned Persons or Prohibited Jurisdictions.

We may be required to report information about your Account and activities to governmental authorities. We are not liable for any Losses you may incur as a result of actions taken by us to comply with AML/CFT and Sanctions Laws.

7. Fees, Payments, and Taxes

7.1. Fees

You agree to pay all applicable fees associated with your use of the Services as described on our Fee Schedule page, which is incorporated by reference into these Terms. The Fee Schedule outlines fees for trading, withdrawals, deposits (if any), and other Services.

We reserve the right to change, modify, or increase our fees at any time, in our sole discretion. Any changes to the Fee Schedule will be effective upon posting on the Platform or as otherwise notified to you. Your continued use of the Services after such changes constitutes your acceptance of the new fees. It is your responsibility to review the Fee Schedule periodically.

You authorize us to deduct all applicable fees, commissions, charges, and other amounts owed by you to us directly from your Account balance, whether in Fiat Currency or Digital Assets. If your Account balance is insufficient to cover such fees, we may suspend your access to the Services or take other actions to recover the amounts owed.

7.2. Payments and Transactions

All transactions on the Platform are subject to confirmation and verification by us and/or the relevant Blockchain network. We are not responsible for delays or failures in transaction processing caused by network congestion, technical issues, or other factors beyond our reasonable control.

You are solely responsible for ensuring the accuracy of any transaction instructions you provide, including recipient addresses for Digital Asset withdrawals. Transactions in Digital Assets are generally irreversible. We are not liable for any Losses resulting from incorrect or unauthorized transaction instructions provided by you.

We may impose limits on the amount or number of transactions you can conduct on the Platform, as detailed in your Account settings or on the Platform. These limits may be adjusted based on your verification status, trading history, security considerations, or other factors.

We reserve the right to refuse to process or to cancel or reverse any transaction, in our sole discretion, even after funds have been debited from your Account, if we suspect the transaction involves (or has a high risk of involvement in) Prohibited Activities, fraud, error, or a violation of these Terms or Applicable Law. In such cases, we may also suspend or terminate your Account.

7.3. Taxes

You are solely responsible for determining whether, and to what extent, any Taxes apply to any transactions you conduct through the Services, and for withholding, collecting, reporting, and remitting the correct amounts of Taxes to the appropriate tax authorities. Your transaction history is available through your Account.

We do not provide tax advice. We recommend that you consult with a qualified tax professional in your jurisdiction regarding your tax obligations.

We may be required by Applicable Law to collect and report certain information about your Account and trading activity to tax authorities, or to withhold Taxes from your transactions. You agree to provide us with any information we reasonably request to comply with such obligations.

8. Risk Disclosure

By accessing or using the Services, you acknowledge and agree that you understand and accept the risks associated with Digital Assets and the Platform. This Risk Disclosure statement provides a non-exhaustive overview of some of these risks. You should read this section carefully.

8.1. General Risks

• Market Risk & Volatility: The price of Digital Assets can be extremely volatile and subject to rapid and unpredictable fluctuations due to market dynamics, supply and demand, investor sentiment, regulatory changes, technical developments, and other factors. You could lose a significant portion or all of your investment.
• Liquidity Risk: Some Digital Assets may have limited liquidity, making it difficult or impossible to buy or sell them at desired prices or in a timely manner. Market conditions can change rapidly, affecting liquidity.
• No Investment Advice: Crestum AG does not provide investment, financial, legal, tax, or other professional advice. Any information provided on the Platform is for informational purposes only and should not be considered a recommendation or endorsement. You are solely responsible for your investment decisions.
• Past Performance: Past performance of any Digital Asset is not indicative of future results.
• Suitability: You are responsible for determining the suitability of your Digital Asset transactions in light of your own financial circumstances and risk tolerance.

8.2. Specific Risks Related to Digital Assets and Services

• Technology Risk: Digital Assets and the underlying Blockchain technology are relatively new and evolving. They are subject to risks such as software bugs, hardware failures, network failures, malicious attacks (e.g., 51% attacks), and other technical issues that could result in the loss or theft of your Digital Assets or interfere with your ability to conduct transactions.
• Cybersecurity Risk: Digital Assets and Accounts are vulnerable to cybersecurity threats, including hacking, phishing, malware, and other attacks. Despite our security measures, there is a risk of unauthorized access to your Account and loss of Digital Assets.
• Regulatory Risk & Legal Uncertainty: The legal and regulatory landscape for Digital Assets is evolving and varies significantly across jurisdictions. Changes in laws, regulations, or government policies could adversely affect the use, transfer, exchange, and value of Digital Assets, or the availability of our Services. Your Account or assets could be frozen or seized due to regulatory actions.
• Counterparty Risk: When you use our Services, you are exposed to the counterparty risk of Crestum AG and any third-party service providers we use (e.g., custodians, payment processors). If we or our providers become insolvent or cease operations, you may lose access to your assets or suffer financial losses.
• Custody Risk: If you hold Digital Assets in a wallet provided by us (custodial wallet), you are relying on our security measures and operational integrity. While we take significant precautions, there are risks associated with third-party custody.
• Transaction Risks: Digital Asset transactions are generally irreversible. Accidental or unauthorized transactions may not be recoverable. Delays in transaction processing can occur due to network congestion or other factors.
• Fork Risk & Airdrops: Blockchain networks can undergo Forks, which may result in the creation of new Digital Assets. We are not obligated to support any Fork or any resulting new Digital Assets (including airdrops). Our decision to support or not support a Forked asset is at our sole discretion. Forks can also introduce instability or unexpected outcomes.
• Delisting Risk: We may, at our discretion, delist or cease trading support for any Digital Asset on the Platform, which could affect your ability to trade or withdraw that asset.
• Derivatives Trading Risk: Trading futures, options, and other derivatives involves a high degree of risk and is not suitable for all users. These products are often leveraged, meaning a small price movement can result in a proportionally larger gain or loss, potentially exceeding your initial margin. You could lose more than your initial investment.
• Arbitrage Risk: Arbitrage opportunities can be fleeting and difficult to execute successfully due to price slippage, transaction fees, and execution delays. Tools provided are for informational purposes and do not guarantee profit.
• Staking & Earning Program Risks: These programs involve risks such as smart contract vulnerabilities, validator penalties (slashing), lock-up periods, and fluctuations in reward rates. The value of staked assets and earned rewards can decline.
• API Risk: Use of our API involves risks related to security of your API keys, programming errors in your trading algorithms, and system compatibility issues.
• Fiat Currency Risk: If you deposit Fiat Currency, you are subject to risks associated with the banking system and payment processors, including delays, fees, and potential institutional failures.

Acknowledgement of Risks: By creating an Account and using the Services, you acknowledge that you have read, understood, and accept all the risks disclosed herein and any other risks associated with Digital Assets and the Platform. You agree that Crestum AG will not be liable for any Losses resulting from these risks.

You should conduct your own thorough research and seek independent professional advice before engaging in any Digital Asset activity.

9. Intellectual Property Rights

9.1. Platform Content and Trademarks

The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Crestum AG, its licensors, or other providers of such material and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws (collectively, "Platform IP").

The Crestum AG name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Crestum AG or its affiliates or licensors. You must not use such marks without our prior written permission.

9.2. Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and Platform IP solely for your personal, non-commercial use in connection with the Services, or for your internal business purposes if you are an authorized corporate user.

This license does not permit you to: (a) reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the Platform IP, except as incidentally necessary to use the Services; (b) use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text; (c) delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Platform; (d) access or use for any commercial purposes any part of the Services or any services or materials available through them beyond the scope of the intended use.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Platform in breach of the Terms, your right to use the Services will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Platform or any Platform IP is transferred to you, and all rights not expressly granted are reserved by Crestum AG.

9.3. User Content

You retain ownership of any Intellectual Property rights that you hold in your User Content. However, by submitting, posting, or displaying User Content on or through the Platform, you grant us a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, sublicensable license to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such User Content in any and all media or distribution methods (now known or later developed) for the purposes of operating, promoting, and improving the Platform and Services, and developing new ones. This license includes the right for us to make your User Content available to other companies, organizations, or individuals who partner with Crestum AG for the syndication, broadcast, distribution, or publication of such User Content on other media and services.

You represent and warrant that: (a) you own or control all rights in and to the User Content and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns; (b) all of your User Content does and will comply with these Terms; and (c) your User Content does not and will not infringe, misappropriate, or violate any third party's Intellectual Property rights, or rights of publicity or privacy, or result in the violation of any Applicable Law.

We are not responsible or liable for any User Content, including its accuracy, completeness, or legality. We reserve the right, but are not obligated, to review, monitor, or remove User Content, at our sole discretion and at any time and for any reason, without notice to you.

9.4. Feedback

If you provide us with any suggestions, comments, ideas, improvements, or other feedback relating to the Platform or Services ("Feedback"), you grant us a worldwide, perpetual, irrevocable, royalty-free, non-exclusive, sublicensable license to use, incorporate, and exploit such Feedback for any purpose, including to improve the Services and create other products and services, without any obligation or compensation to you. You waive any moral rights you may have in such Feedback.

10. Privacy and Data Protection

Your privacy and the protection of your personal data are very important to us. Our Privacy Policy explains how we collect, use, store, share, and protect your personal information in connection with your access to and use of the Services. The Privacy Policy is incorporated by reference into these Terms.

By using the Services, you consent to the collection, use, storage, and disclosure of your personal data as described in our Privacy Policy and any applicable data protection notices. If we process personal data on your behalf (e.g., if you are a corporate client providing employee data), specific data processing terms may apply.

We may also have a Cookie Policy that explains how we use cookies and similar tracking technologies. Please review it for more information.

If you have any questions about how we handle your personal data, please refer to the Privacy Policy or contact our Data Protection Officer by emailing [email protected] (please mark your query for the 'Data Protection Officer') or through the general contact channels specified in Section 19.

11. Third-Party Services and Content

The Services may contain links to third-party websites, applications, services, or resources ("Third-Party Services") or display, include, or make available content, data, information, applications, or materials from third parties ("Third-Party Content"). These Third-Party Services and Third-Party Content are not owned or controlled by Crestum AG.

You acknowledge and agree that Crestum AG is not responsible or liable for: (a) the availability, accuracy, completeness, or reliability of such Third-Party Services or Third-Party Content; (b) the content, products, or services on or available from such Third-Party Services; or (c) any Losses or damages incurred as a result of your use of or reliance on any Third-Party Services or Third-Party Content.

Access and use of Third-Party Services and Third-Party Content, including the information, materials, products, and services on or available through them, is solely at your own risk. When you access Third-Party Services, you do so at your own risk, and you should be aware that our Terms and policies (including the Privacy Policy) no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any Third-Party Service to which you navigate from the Platform or relating to any applications you use or install from the Third-Party Service.

Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that Crestum AG is not liable for any loss or claim that you may have against any such third party.

12. Platform Operations, Availability, and Modifications

We will use commercially reasonable efforts to keep the Platform operational. However, we do not guarantee that the Services will be available at all times, or that access will be uninterrupted or error-free. The Platform may be subject to downtime, delays, or interruptions due to various factors, including but not limited to:

• Scheduled maintenance or upgrades, for which we will endeavor to provide advance notice where practicable.
• Emergency maintenance or repairs.
• Technical failures, including hardware or software malfunctions, network issues, or telecommunications outages.
• Force Majeure Events (as defined in Section 2).
• High market volatility or trading volumes causing system overload.
• Security incidents or cyberattacks.

We are not liable for any Losses or inconvenience caused by any interruption, suspension, or termination of the Services, regardless of the cause, except as otherwise required by Applicable Law.

We reserve the right, in our sole discretion, to modify, suspend, or discontinue, temporarily or permanently, the Platform or any Service (or any part thereof) with or without notice. This includes adding or removing features, functionalities, supported Digital Assets, or imposing limits on certain features or restricting access to parts or all of the Services. We will endeavor to provide reasonable notice of material changes where feasible.

You agree that Crestum AG will not be liable to you or to any third party for any modification, suspension, or discontinuance of the Services or any part thereof, except as required by Applicable Law.

13. Communications and Notices

You consent to receive all communications, agreements, documents, notices, and disclosures (collectively, "Communications") that we provide in connection with your Account and your use of the Services electronically. We may provide these Communications to you by posting them on the Platform, through in-app notifications, or by emailing them to the primary email address associated with your Account.

It is your responsibility to keep your email address and other contact information accurate and up to date in your Account profile. If Communications are sent to your registered email address and are returned as undeliverable, we may suspend or terminate your Account. You are deemed to have received any electronic Communication when we send it or post it, regardless of whether you actually read it.

To withdraw your consent to receive Communications electronically, you must contact us via our Support Portal or by emailing [email protected] and request to close your Account as per Section 17.3. If you withdraw consent, we reserve the right to terminate your access to the Services.

Any formal legal notices or other communications required to be sent to Crestum AG under these Terms (other than routine support inquiries) should be sent in writing to Crestum AG, Attn: Legal Department, [Your Company Address], with a concurrent copy emailed to [email protected] (Attn: Legal Department). Notices will be deemed effective upon receipt by us.

14. Disclaimers of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, Crestum AG, ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO THE SERVICES, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE PRACTICE.

WITHOUT LIMITING THE FOREGOING, NEITHER Crestum AG NOR ANYONE ASSOCIATED WITH Crestum AG REPRESENTS OR WARRANTS THAT: (A) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; (B) THE INFORMATION, CONTENT, OR MATERIALS ON THE PLATFORM WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE; (C) ANY DEFECTS OR ERRORS IN THE SERVICES WILL BE CORRECTED; (D) THE SERVICES WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; OR (E) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE.

YOU ACKNOWLEDGE THAT Crestum AG DOES NOT CONTROL THE TRANSFER OF DATA OVER COMMUNICATIONS FACILITIES, INCLUDING THE INTERNET, AND THAT THE SERVICE MAY BE SUBJECT TO LIMITATIONS, DELAYS, AND OTHER PROBLEMS INHERENT IN THE USE OF SUCH COMMUNICATIONS FACILITIES. Crestum AG IS NOT RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, OR OTHER DAMAGE RESULTING FROM SUCH PROBLEMS.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Crestum AG OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE Crestum AG PARTIES TO YOU FOR ALL CLAIMS, DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES (WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR OTHERWISE) EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT OF FEES PAID BY YOU TO Crestum AG FOR THE USE OF THE SERVICES DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (USD $100.00).

THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN Crestum AG AND YOU. ACCESS TO THE PLATFORM AND SERVICES WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, THE LIABILITY OF THE Crestum AG PARTIES WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

This limitation of liability section applies to the fullest extent permitted by law and shall survive any termination or expiration of these Terms or your use of the Services.

16. Indemnification

To the fullest extent permitted by Applicable Law, you agree to indemnify, defend, and hold harmless the Crestum AG Parties from and against any and all Losses, claims, demands, actions, suits, proceedings, liabilities, damages, settlements, penalties, fines, costs, or expenses (including, without limitation, reasonable attorneys' fees and other legal expenses) arising out of or relating to:

• Your access to or use of the Platform or Services.
• Your User Content or Feedback.
• Your breach or alleged breach of these Terms, including any representations or warranties made herein.
• Your violation of any Applicable Law, regulation, or rule.
• Your violation of the rights of any third party, including any Intellectual Property right, privacy right, or right of publicity.
• Your negligence, willful misconduct, or fraudulent activity.
• Any disputes or issues between you and any other user or third party.
• Any activity related to your Account, whether by you or any other person accessing your Account with or without your consent.

Crestum AG reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Crestum AG. We will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

This indemnification obligation will survive the termination or expiration of these Terms and your use of the Services.

17. Term, Termination, and Account Closure

17.1. Term

These Terms shall commence upon your first access to or use of the Services or your acceptance hereof (whichever is earlier) and shall remain in full force and effect while you use the Services or have an Account with us, unless terminated earlier in accordance with this Section.

17.2. Termination by Crestum AG

We may, in our sole discretion, suspend, restrict, or terminate your access to any or all of the Services, and/or deactivate or cancel your Account, with or without prior notice, for any reason or no reason, including but not limited to:

• If you breach any provision of these Terms.
• If you engage in any Prohibited Activities.
• If we are required to do so by Applicable Law, a court order, or a request from a regulatory or law enforcement authority.
• If we suspect or determine that your Account is associated with any fraudulent, illegal, or suspicious activity.
• If you provide false, misleading, inaccurate, or incomplete information.
• If your Account has been inactive for an extended period (as determined by us).
• If there are security concerns related to your Account.
• If it becomes unfeasible or commercially unviable for us to provide Services to you.
• For any other operational, reputational, or risk-related reasons.

We will endeavor to provide you with notice of termination or suspension where appropriate and permitted by law, but we are not obligated to do so.

17.3. Termination by You

You may terminate these Terms and close your Account at any time by following the account closure procedures specified on the Platform or by contacting our support team via Support Portal or emailing [email protected]. Account closure will be subject to the settlement of any outstanding transactions, fees, or obligations. You will remain responsible for all transactions and obligations incurred up to the point of effective termination.

17.4. Effect of Termination

Upon termination of these Terms or closure of your Account for any reason:

• Your right to access and use the Services will immediately cease.
• We may delete or deactivate your Account and all related information and files in your Account, subject to our data retention policies and Applicable Law.
• Any pending transactions may be cancelled. We are not liable for any Losses resulting from such cancellations.
• You must promptly pay any outstanding fees or amounts owed to us.
• We will generally allow you a reasonable period (e.g., 30 days, unless circumstances require immediate action) to withdraw any remaining undisputed Fiat Currency or Digital Assets from your Account, subject to security checks, compliance requirements, and any applicable withdrawal fees or limits. However, if termination is due to fraud, illegal activity, or violation of AML/CFT or Sanctions Laws, we may be required to freeze, withhold, or remit your assets to authorities as required by law.

Crestum AG shall not be liable to you or any third party for any termination of your access to the Services or closure of your Account in accordance with these Terms.

17.5. Survival of Clauses

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, limitations of liability, fee obligations, dispute resolution provisions, and miscellaneous provisions.

18. Governing Law and Dispute Resolution

18.1. Governing Law

These Terms, your use of the Services, any claim, counterclaim or dispute of any kind or nature whatsoever arising out of these Terms, directly or indirectly, or in any way relating to the Platform, or any aspect of your relationship with Crestum AG, shall be governed by and construed in accordance with the laws of [Your Jurisdiction] (e.g., "the State of Delaware, United States of America" or "England and Wales"), without regard to its conflict of law principles. For corporate clients, the governing law may be specified in your separate corporate agreement.

18.2. Dispute Resolution; Binding Arbitration

Informal Dispute Resolution: We want to address your concerns without needing a formal legal case. Before filing a claim against Crestum AG, you agree to try to resolve the dispute informally by contacting us first through [email protected] or our designated support channels, providing a detailed description of your claim. We will attempt to resolve the dispute informally through negotiation. Most disputes can be resolved this way. If we cannot resolve the dispute within sixty (60) days of your initial notification, then you or Crestum AG may initiate a formal arbitration proceeding as set forth below.

Arbitration Agreement: Except for disputes that qualify for small claims court (if applicable in [Your Jurisdiction]) or disputes solely relating to the infringement or misappropriation of Intellectual Property rights (which may be brought in a court of competent jurisdiction), you and Crestum AG agree that any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Services (collectively, "Disputes") will be resolved exclusively by BINDING ARBITRATION on an individual basis, rather than in court.

The arbitration will be administered by [Arbitration Body Name, e.g., the American Arbitration Association ("AAA")] in accordance with its [Arbitration Rules Name, e.g., Commercial Arbitration Rules or Consumer Arbitration Rules, as applicable] and any supplementary procedures for consumer-related disputes, if applicable (the "Arbitration Rules"), then in effect, except as modified by this Arbitration Agreement. The Arbitration Rules are available at [Link to Arbitration Body Website] or by calling [Arbitration Body Phone Number]. The Federal Arbitration Act (or equivalent national arbitration law in [Your Jurisdiction]) will govern the interpretation and enforcement of this Arbitration Agreement.

The arbitration shall take place in [Arbitration Location, e.g., New York, New York, USA, or specify remote/virtual options]. The arbitration will be conducted by a single arbitrator, mutually agreed upon by the parties, or, if the parties cannot agree, an arbitrator appointed in accordance with the Arbitration Rules. The language of the arbitration shall be English (unless otherwise agreed or required by applicable local law).

The arbitrator will have exclusive authority to resolve any Dispute, including, but not limited to, any claim that all or any part of these Terms (including this Arbitration Agreement) is void or voidable. The arbitrator’s decision will be final and binding on both parties, and judgment on the arbitration award may be entered in any court having jurisdiction thereof.

Payment of all filing, administration, and arbitrator fees will be governed by the Arbitration Rules. We will reimburse those fees for claims totaling less than USD $10,000 unless the arbitrator determines the claims are frivolous. Likewise, Crestum AG will not seek attorneys' fees and costs in arbitration unless the arbitrator determines the claims are frivolous.

18.3. Class Action Waiver and Jury Trial Waiver

Unless both you and Crestum AG agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. If this specific Class Action Waiver is found to be unenforceable, then the entirety of this Section 18.2 (Dispute Resolution; Binding Arbitration) shall be null and void, and the parties agree that the exclusive jurisdiction and venue described in Section 18.1 shall govern any action arising out of or related to these Terms.

Jury Trial Waiver: YOU AND Crestum AG HEREBY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and Crestum AG are instead electing that all Disputes shall be resolved by arbitration under this Arbitration Agreement, except as specified above. An arbitrator can award on an individual basis the same damages and relief as a court and must follow these Terms as a court would. However, there is no judge or jury in arbitration, and court review of an arbitration award is subject to very limited review.

18.4. Opt-Out of Arbitration Agreement

You have the right to opt out of this Arbitration Agreement. If you do so, neither you nor Crestum AG can force the other to arbitrate. To opt out, you must notify Crestum AG in writing within thirty (30) days of the date that you first become subject to this Arbitration Agreement (i.e., the date you accept these Terms). Your written notice must be sent to Crestum AG, Attn: Legal Department - Arbitration Opt-Out, [Your Company Address], and include: (1) your full name, (2) your email address registered with your Account, and (3) a clear statement that you wish to opt out of this Arbitration Agreement. If you opt out of this Arbitration Agreement, all other parts of these Terms will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us.

18.5. Time Limitation on Claims

You agree that any claim or cause of action arising out of or related to your use of the Services or these Terms must be filed within one (1) year after such claim or cause of action arose, or else that claim or cause of action will be permanently barred, unless a longer period is mandated by applicable law.

19. Miscellaneous Provisions & Contact Information

19.1. Entire Agreement

These Terms, together with our Privacy Policy, Fee Schedule, API Agreement (if applicable), Cookie Policy and any other documents expressly incorporated by reference herein, constitute the entire and exclusive understanding and agreement between you and Crestum AG regarding your use of and access to the Services, and supersede and replace any and all prior oral or written understandings or agreements between Crestum AG and you regarding the Services.

19.2. Severability

If any provision of these Terms (or part of a provision) is found by an arbitrator or a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision (or part thereof) will be enforced to the maximum extent permissible, and the remaining provisions of these Terms will remain in full force and effect. If such invalidity, illegality, or unenforceability substantially affects the economic terms of this Agreement, the parties shall negotiate in good faith to modify these Terms to preserve their original intent.

19.3. No Waiver

The failure of Crestum AG to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision or any other right or provision. No waiver of any term of these Terms will be effective unless it is in writing and signed by an authorized representative of Crestum AG. Any waiver of any breach or default of these Terms will not constitute a waiver of any subsequent breach or default.

19.4. Assignment

These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you without our prior written consent. Any attempted transfer or assignment in violation hereof shall be null and void. We reserve the right to assign our rights and obligations under these Terms (in whole or in part) to any affiliate, or in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets, or to any other successor, without your consent and without notice to you. These Terms will be binding upon and inure to the benefit of the parties, their successors, and permitted assigns.

19.5. Force Majeure

Crestum AG shall not be liable for any delays, failure in performance, or interruption of service which result directly or indirectly from any Force Majeure Event (as defined in Section 2). We will use reasonable efforts to notify you of the occurrence of such an event and to resume performance as soon as reasonably practicable.

19.6. Headings and Interpretation

The section titles and headings in these Terms are for convenience only and have no legal or contractual effect. The word "including" or "includes" means "including but not limited to" or "includes but is not limited to." References to sections or articles are to sections or articles of these Terms unless otherwise specified.

19.7. Controlling Language

These Terms may be translated into other languages for your convenience. However, the English language version of these Terms shall be the definitive and controlling version. In the event of any conflict or discrepancy between the English version and any translated version, the English version shall prevail.

19.8. Electronic Communications, Transactions, and Signatures

Visiting the Platform, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Platform, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE PLATFORM. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

19.9. No Third-Party Beneficiaries

Except as otherwise expressly provided in these Terms, there shall be no third-party beneficiaries to these Terms. Nothing in these Terms is intended to, nor shall it confer, any rights on a third party.

19.10. Relationship of the Parties

You and Crestum AG are independent contractors, and nothing in these Terms shall be construed as creating a partnership, joint venture, agency, employment, or fiduciary relationship between you and us. You have no authority to bind Crestum AG in any way.

19.11. Export Controls

You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce and trade and economic sanctions maintained by the Treasury Department’s Office of Foreign Assets Control. You represent and warrant that you are not (a) located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (b) listed on any U.S. Government list of prohibited or restricted parties.

19.12. Contact Information

If you have any questions, feedback, or complaints regarding these Terms or the Services, please contact us through one of the following methods:

• General Support & Inquiries: Via our Support Portal or by emailing [email protected]. You can also visit our Contact Page.
• Formal Complaints: If you have a formal complaint, please email [email protected] with a detailed description of your issue. We will endeavor to acknowledge your complaint within [e.g., 5 business days] and provide a timeline for resolution.
• Legal Notices: For legal notices or service of process, please send to: Crestum AG, Attn: Legal Department, [Your Company Address]. A copy should also be emailed to [email protected] (Attn: Legal Department).
• Data Protection Inquiries: For questions related to data protection or our Privacy Policy, please contact our Data Protection Officer (if applicable) by emailing [email protected] (please mark your query for the 'Data Protection Officer') or through the methods listed above.

We will do our best to respond to your inquiries in a timely manner.

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