Terms of Service

A. Eligibility and Account Requirements

Our services are available only to individuals and entities that meet all of the following conditions:

You must be at least 18 years of age. You must be a resident of the United States located in a state where our services are available. Business accounts require a validly organized US business entity. You must successfully complete our Customer Identification Program verification process before account access is granted. You must not be a person or entity on any OFAC sanctions list, FinCEN list, or other government-maintained restricted persons database. Only one account per individual or entity is permitted. Creating multiple accounts is a violation of these Terms.

We reserve the right to deny account applications at our discretion and are not required to provide a reason for denial in all circumstances, except where required by law.

B. Services Provided

DIRE MONEY TRANSMITTER LLC provides the following services subject to these Terms:

Digital Asset Exchange: A platform for buying, selling, and exchanging supported cryptocurrencies at market or limit prices. The exchange operates an order-matching system. We do not guarantee execution of any order at a specific price or time.

Hot Wallet Service: A software wallet enabling storage and management of supported digital assets for active trading purposes. Hot wallet balances are accessible for exchange transactions and withdrawals subject to applicable limits.

Cold Wallet Custody: An offline custody service for long-term digital asset storage. Cold custody is subject to separate custody terms and fee arrangements.

Services are subject to change. We may add, modify, or discontinue any service with appropriate notice to account holders.

C. Fees

All applicable fees are disclosed on the exchange platform before transaction execution. By submitting a transaction, you authorize deduction of the displayed fee from your account balance. The current fee schedule is maintained on the Crypto Exchange page and within the account interface.

We reserve the right to modify fees with advance notice. Notice of fee changes will be provided by email to your registered address and by update to the published fee schedule. Continued use of the service after the effective date of a fee change constitutes acceptance of the updated fees.

Network fees for cryptocurrency transactions are passed through at cost. These fees are not set or controlled by us and may vary based on blockchain network conditions.

D. Acceptable Use

You may use our services only for lawful purposes consistent with these Terms and applicable federal and state law. You agree not to:

Use the platform for any transaction involving proceeds of criminal activity. Attempt to structure transactions to evade reporting requirements under the Bank Secrecy Act. Use the platform to conduct transactions on behalf of undisclosed third parties. Provide false or misleading information during account application or verification. Attempt to circumvent our AML controls, transaction monitoring systems, or withdrawal limits. Use automated tools to access the platform in ways not expressly permitted by us. Engage in market manipulation or any activity that distorts market prices.

Violations of this section may result in account suspension, account termination, reporting to law enforcement or regulatory agencies, and forfeiture of account balances to the extent required by law.

E. Risk Disclosures

Cryptocurrency involves substantial risk of loss. The value of digital assets can decrease significantly over short periods of time. Past price performance is not indicative of future results. We do not provide investment advice. Nothing on our platform constitutes a recommendation to buy, sell, or hold any digital asset.

Your digital asset holdings are not insured by the Federal Deposit Insurance Corporation (FDIC), the Securities Investor Protection Corporation (SIPC), or any other government deposit insurance program. We are not a bank. We are not a securities broker-dealer.

Blockchain networks may experience congestion, forks, regulatory changes, or technical failures that could affect transaction processing or the value of digital assets. We are not responsible for losses arising from blockchain network conditions beyond our control.

F. Consumer Protections

Certain transactions conducted through our platform may constitute "remittance transfers" under the Electronic Fund Transfer Act and Regulation E as implemented by the Consumer Financial Protection Bureau. Where applicable, you have the following rights:

Pre-Transfer Disclosure: Before you authorize a remittance transfer, you will receive a disclosure of the transfer amount, applicable fees, the exchange rate (if applicable), and the amount to be received by the designated recipient.

Cancellation Rights: You may cancel a remittance transfer within 30 minutes of payment unless the funds have already been picked up or deposited into the recipient's account. To cancel, contact us at support@money-transmitter.co.com or +1 (408) 859-8141.

Error Resolution: If you believe an error occurred in connection with a remittance transfer, you must notify us within 180 days of the promised delivery date. We will investigate and resolve errors as required by Regulation E.

G. Account Termination

Either party may terminate the account relationship at any time. You may request account closure by contacting us in writing. We may suspend or terminate accounts that violate these Terms, that we are required to close under applicable law or regulatory direction, or where continued operation would present compliance risk that we are unable to mitigate.

Upon termination, we will process withdrawal of any remaining compliant balance to a verified external address after completing required compliance procedures. Balances subject to legal holds, regulatory freeze orders, or pending suspicious activity investigations may be withheld until those matters are resolved.

H. Limitation of Liability

To the maximum extent permitted by applicable law, DIRE MONEY TRANSMITTER LLC's liability to you for any claim arising from or related to these Terms or our services is limited to direct damages not to exceed the fees you paid to us in the 90 days preceding the claim.

We are not liable for indirect, incidental, consequential, special, or punitive damages arising from your use of the platform, market volatility, blockchain network issues, unauthorized access to your account resulting from your failure to maintain credential security, or regulatory actions affecting the availability of services.

I. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute arising from these Terms or your use of our services that cannot be resolved informally shall be resolved through binding arbitration administered under applicable arbitration rules, on an individual basis. Class action proceedings are waived to the extent permitted by law.

Nothing in this section prevents either party from seeking injunctive relief in court where necessary to prevent irreparable harm.

J. Modifications to Terms

We may modify these Terms at any time. Material changes will be communicated by email to your registered address at least 30 days before the effective date, except where changes are required by law or regulatory action, in which case changes may be effective immediately. Your continued use of the service after the effective date of modified Terms constitutes acceptance. If you do not agree to modified Terms, you may close your account before the effective date.

Contact us at support@money-transmitter.co.com with any questions about these Terms.