Terms & Conditions

In these Terms, the following terms have the meanings set out below:

1. 2.1These Terms apply to all Users who access or use the Website, Platform, or Services.
2. 2.2If you use the Services as an individual, you agree to these Terms in your personal capacity.
3. 2.3If you use the Services on behalf of a company or other legal entity, you confirm that you are authorised to bind that entity, and references to you include that entity.
4. 2.4If you are an Integrator, the additional Integrator and Orchestration Terms in Schedule 1 apply to you in addition to the general provisions.
5. 2.5If there is a conflict between the main body of these Terms and Schedule 1, Schedule 1 will apply to the extent of the conflict for Integrator-related Services.

1. 3.1By accessing or using the Website, Platform, or Services, creating an Account, submitting a transaction, integrating our APIs, or otherwise using Yera Connect, you confirm that you have read, understood, and agreed to these Terms.
2. 3.2You also agree to our Privacy Policy, Cookie Policy, Acceptable Use Policy, fee disclosures, risk disclosures, API documentation, transaction notices, and any other policy or notice that applies to your use.
3. 3.3If you do not agree to these Terms, you must stop using the Website, Platform, and Services immediately.
4. 3.4You may not use the Services if you are prohibited from doing so under applicable law, regulation, sanctions rules, court order, or contractual restriction.

1. 4.1We may amend, update, replace, or supplement these Terms at any time.
2. 4.2Where required by law or where we consider a change material, we may provide notice by email, dashboard notice, Website notice, or another reasonable method.
3. 4.3Unless stated otherwise, updated Terms become effective when posted or notified.
4. 4.4Your continued use of the Website, Platform, or Services after updated Terms become effective constitutes acceptance of the updated Terms.
5. 4.5If you do not agree to updated Terms, you must stop using the Services and, where applicable, close your Account.

1. 5.1You must be at least 18 years old, or the legal age required in your jurisdiction, whichever is higher.
2. 5.2You must have full legal capacity and authority to enter into these Terms.
3. 5.3You must provide accurate, complete, and up-to-date information when using the Services.
4. 5.4You must not use the Services on behalf of another person unless expressly authorised by us in writing and permitted by law.
5. 5.5You must not create or use more than one Account unless we expressly permit this in writing.
6. 5.6We may refuse, restrict, suspend, or terminate access if we believe you do not meet our eligibility requirements.

1. 6.1You may not use the Website, Platform, or Services if you are located in, resident in, or acting on behalf of a person in a jurisdiction where use is prohibited by applicable law, sanctions, regulation, or our internal risk policy.
2. 6.2Restricted locations may include jurisdictions subject to comprehensive sanctions, high-risk AML/CTF restrictions, or restrictions imposed by our Providers.
3. 6.3We may maintain, update, or apply a restricted territory list from time to time.
4. 6.4You must not use the Services to evade sanctions, export controls, financial restrictions, geographic restrictions, or compliance controls.
5. 6.5We may block, reject, suspend, freeze, delay, or terminate transactions or Accounts where we believe such action is required by law, sanctions, a Provider, a regulator, a court, or our internal risk controls.

Prohibited Jurisdictions (Section 33.4)

Yera Connect may provide access to one or more of the following Services:

1. a.Crypto purchase and sale functionality
2. b.Crypto-to-fiat or fiat-to-crypto transaction coordination
3. c.Custodial or non-custodial wallet infrastructure
4. d.Internal transfers between supported Wallets
5. e.Withdrawals to External Wallets
6. f.Crypto pay-out functionality
7. g.Fiat pay-in or pay-out coordination through Providers
8. h.Transaction execution and status tracking
9. i.Blockchain transaction broadcasting
10. j.Compliance screening and transaction monitoring
11. k.APIs, SDKs, webhooks, hosted pages, dashboards, and technical integration tools
12. l.Orchestration of multiple crypto, fiat, payment, custody, banking, and infrastructure Providers
13. m.Related support and operational services

Unless expressly stated otherwise, we are not a bank, deposit-taking institution, investment adviser, broker, portfolio manager, tax adviser, or legal adviser. Nothing on the Website or Platform constitutes financial, investment, legal, tax, regulatory, or professional advice.

1. 8.1You may need to create an Account to access some or all Services.
2. 8.2You must provide accurate, complete, and current information during registration and throughout your use of the Services.
3. 8.3You are responsible for maintaining the confidentiality and security of your login credentials, passwords, private devices, email accounts, two-factor authentication methods, API keys, wallet credentials, and any other access credentials.
4. 8.4You must not allow another person to access or use your Account.
5. 8.5You must notify us immediately if you suspect unauthorised access, credential compromise, fraud, security breach, or misuse of your Account.
6. 8.6We are not responsible for losses arising from unauthorised access to your Account unless caused by our fraud, wilful misconduct, or gross negligence where liability cannot be excluded by law.
7. 8.7We may require additional authentication, verification, or security checks before allowing access to your Account or before executing a transaction.

We may require identity verification, business verification, source-of-funds checks, sanctions screening, fraud screening, transaction monitoring, and other compliance checks. You agree to provide all information and documents we request, including:

1. a.Full legal name, date of birth, residential address, nationality
2. b.Phone number and email address
3. c.Government-issued identity documents and proof of address
4. d.Payment method information and bank account information
5. e.Wallet address information
6. f.Occupation or business activity
7. g.Source of funds and source of wealth
8. h.Corporate documents, ownership information, and authorised representative information (for businesses)
9. i.Any other information reasonably required for legal, regulatory, security, or risk purposes

Yera Connect may provide custodial wallet infrastructure, non-custodial wallet connectivity, bound wallet functionality, External Wallet tracking, or other wallet-related services.

Custodial Wallets

• Private keys may be controlled by YEAR TECH, Yera Connect, or a Provider
• You may not have direct access to private keys
• Transactions may require approval, screening, and execution by us or a Provider
• Custody functions may be delegated to third-party custody or wallet infrastructure Providers
• Your rights and use of the Wallet may be subject to Provider terms, legal restrictions, and compliance checks

External Wallets

• You remain solely responsible for the External Wallet
• We do not control the private keys
• We cannot reverse, recover, or initiate transactions from that External Wallet unless expressly authorised and technically possible
• We may collect and process wallet addresses, transaction metadata, and blockchain analytics data

1. 11.1Where available, you may purchase supported Crypto Assets using supported Fiat Currency or sell supported Crypto Assets for supported Fiat Currency.
2. 11.2Supported Crypto Assets, fiat currencies, payment methods, order types, and transaction limits may change at any time.
3. 11.3We may set minimum and maximum transaction amounts, daily, monthly, rolling, wallet, risk, and jurisdiction-specific limits.
4. 11.4We may refuse, reject, delay, limit, or cancel any order at our discretion where permitted by law.
5. 11.5An order is not final until it has been accepted, verified, priced, and executed by us or the relevant Provider.
6. 11.6We may require successful completion of KYC, AML, sanctions, fraud, wallet screening, payment confirmation, or transaction monitoring checks before executing any order.
7. 11.7We may trade with, route to, or obtain liquidity from third-party exchanges, liquidity providers, market makers, custody providers, or other Providers.
8. 11.8We do not guarantee execution, liquidity, settlement time, price, availability, or successful completion of any transaction.

You are responsible for all fees associated with your transactions, including:

1. a.Transaction fees and exchange spreads
2. b.Card or payment processing fees and bank fees
3. c.Blockchain network fees and gas fees
4. d.Withdrawal fees and Provider fees
5. e.Chargeback-related fees and investigation fees
6. f.Any taxes, duties, levies, or similar charges

Blockchain fees are estimates until settlement. The actual blockchain fee is determined by the applicable blockchain network and may change before the transaction is broadcast or confirmed. We may update fees at any time.

A transaction may be treated as pending until all required steps are completed, including:

1. a.Receipt or confirmation of Fiat Currency
2. b.Receipt or confirmation of Crypto Assets
3. c.Completion of payment method verification
4. d.Completion of KYC, AML, sanctions, fraud, and wallet screening
5. e.Provider approval and internal approval
6. f.Blockchain confirmation and technical settlement

1. 13.5Once a crypto transaction is broadcast to a blockchain network, it may be irreversible.
2. 13.6We are not responsible for blockchain delays, failed confirmations, network congestion, validator or miner behaviour, smart contract failures, forks, network attacks, or other blockchain events outside our control.
3. 13.7We may provide a transaction confirmation, receipt, or status update after execution.
4. 13.8We may cancel, amend, reverse, or refuse to execute a transaction where technically possible and legally permitted, including where there has been an error, pricing issue, fraud concern, compliance issue, Provider issue, failed payment, chargeback, or suspected misuse.
5. 13.9If a transaction is cancelled after funds or Crypto Assets have been received, we may deduct applicable fees, costs, network charges, Provider charges, investigation costs, or losses before returning any remaining amount.

Fiat payment functionality may be provided, processed, held, or settled by Providers. Unless expressly stated otherwise, YEAR TECH does not operate as a bank, payment institution, e-money institution, card issuer, acquirer, or deposit-taking institution.

1. 14.3Fiat funds may be received, held, safeguarded, processed, settled, or returned by third-party Providers under their own regulatory permissions and contractual terms.
2. 14.4Payment availability, settlement time, reversals, refunds, limits, failed payments, and chargebacks may depend on Providers, banks, card networks, payment schemes, regulators, or applicable law.
3. 14.5We may refuse or delay a fiat transaction if we cannot identify the payer, reconcile the payment, verify the payment method, complete compliance checks, or satisfy Provider requirements.
4. 14.6You must not use payment methods that you do not own or are not authorised to use.
5. 14.7You must keep copies of transaction receipts, payment confirmations, and relevant records for at least three months after each transaction, or longer where required by law.

You must not initiate false, abusive, or fraudulent chargebacks. If a payment is reversed, charged back, disputed, cancelled, recalled, or found to be fraudulent or irregular, we may:

1. a.Cancel the related transaction
2. b.Suspend or close your Account
3. c.Reverse or adjust Account balances where technically possible
4. d.Recover amounts owed by you
5. e.Debit other balances held with us, where permitted by law
6. f.Refuse future transactions
7. g.Report the matter to Providers, banks, card networks, regulators, law enforcement, or competent authorities
8. h.Take legal action to recover losses, fees, costs, and expenses

You represent, warrant, and undertake that:

• You are legally able to enter into these Terms and all information you provide is accurate, complete, and up to date
• You will use the Website, Platform, and Services only for lawful purposes and will comply with all applicable laws, regulations, and sanctions
• You will not use the Services for any illegal, fraudulent, deceptive, abusive, or prohibited activity
• You are the beneficial owner of the funds, Crypto Assets, payment methods, and Wallets used in connection with the Services
• Fiat Currency or Crypto Assets provided by you are not derived from illegal activity
• You will not attempt to bypass verification, limits, monitoring, sanctions screening, transaction controls, geoblocking, or security measures
• You will not impersonate another person or create an Account in another person's name
• You will not open multiple Accounts to avoid limits or controls
• You will not interfere with the Website, Platform, Services, APIs, security systems, or infrastructure
• You are solely responsible for your tax obligations, investment decisions, and transaction decisions
• You understand the risks described in these Terms

You must not use the Website, Platform, or Services in connection with any of the following:

• You are solely responsible for determining, reporting, and paying all taxes, duties, levies, and other charges arising from your use of the Services.
• We do not provide tax advice.
• We may provide transaction records where available, but such records may not be complete for tax purposes.
• We may report information to tax authorities where required by law.

The Website, Platform, Services, software, source code, APIs, SDKs, documentation, designs, graphics, logos, trademarks, trade names, content, databases, and all related intellectual property are owned by or licensed to YEAR TECH. We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the Website, Platform, and Services for their intended purpose.

You must not:

1. a.Copy, reproduce, distribute, modify, adapt, translate, publish, sell, lease, sublicense, or transfer any part of the Website, Platform, or Services
2. b.Reverse engineer, decompile, disassemble, or attempt to derive source code
3. c.Remove proprietary notices or use our trademarks without written permission
4. d.Create derivative works or build a competing product using the Website, Platform, or Services
5. e.Interfere with or tamper with the Website, Platform, or Services
6. f.Use the Website, Platform, or Services in any unlawful or unauthorised manner

The Services may rely on Providers. Providers may have their own terms, privacy notices, fees, limits, restrictions, and service rules. You may be required to accept Provider terms or provide information directly to Providers. We are not responsible for Provider failures, delays, outages, errors, restrictions, pricing, settlement issues, compliance decisions, or service suspensions, except where liability cannot be excluded by law.

The Website or Platform may contain links to third-party websites or services. We do not control and are not responsible for third-party websites, content, products, or services. You access third-party links and services at your own risk.

We do not guarantee uninterrupted, error-free, secure, or continuous availability of the Website, Platform, or Services. We may suspend, restrict, or interrupt Services for maintenance, upgrades, security, compliance, Provider issues, network issues, market conditions, technical failures, legal requirements, or other reasons. We may block or restrict access without prior notice where we consider it necessary to protect Users, the Platform, Providers, YEAR TECH, or the integrity of the Services.

• Crypto Asset prices may be highly volatile and may decrease rapidly or become worthless
• Crypto transactions may be irreversible
• Blockchain networks may experience congestion, delays, forks, attacks, bugs, protocol changes, or outages
• Stablecoins may lose their peg, become non-redeemable, or be affected by issuer insolvency, regulatory action, or reserve issues
• Crypto Assets may not be legal tender and may not be covered by deposit guarantee schemes or investor compensation schemes
• Regulatory treatment of Crypto Assets may change
• We do not guarantee the value, liquidity, legality, functionality, availability, or suitability of any Crypto Asset
• You are solely responsible for determining whether a transaction is suitable for you

We do not provide financial, investment, legal, tax, accounting, regulatory, or professional advice. Any information on the Website, Platform, or in communications is provided for general informational purposes only. You should obtain independent professional advice before making decisions involving Crypto Assets, payments, taxation, compliance, or regulation. You are solely responsible for all decisions and actions you take using the Services.

1. 24.1If an error occurs, including an incorrect price, incorrect credit, duplicate transaction, incorrect debit, mistaken transfer, or technical malfunction, we may correct the error where legally and technically possible.
2. 24.2You do not acquire any right to funds, Crypto Assets, credits, or value incorrectly credited to you.
3. 24.3You must notify us immediately if you become aware of an incorrect credit, incorrect debit, or transaction error.
4. 24.4We may debit, reverse, freeze, or adjust balances to correct errors where permitted by law.
5. 24.5If you provide incorrect or incomplete information, including wallet details, bank details, or transaction instructions, you are responsible for resulting losses, delays, costs, and investigation fees.

If you have a complaint or dispute, contact us as soon as possible at info@yeraconnect.io. Include your name, Account details, transaction reference, date, amount, wallet address if applicable, and a clear description of the issue.

1. 25.3Where legally permitted, transaction disputes must be submitted within seven days after the relevant transaction or after you became aware of the issue. This does not limit mandatory consumer rights.
2. 25.4We aim to review complaints within a reasonable time. Complex complaints, Provider-related matters, compliance reviews, or blockchain investigations may take longer.
3. 25.5If you disagree with our response, you may request escalation by contacting info@yeraconnect.io.
4. 25.6Nothing in this section prevents you from exercising rights that cannot be waived under applicable law.

We may suspend, restrict, freeze, block, or terminate your Account, access, Wallet functionality, transactions, APIs, or Services at any time where we reasonably consider it necessary or appropriate. Reasons may include:

Upon termination you must:

• Stop using the Website, Platform, and Services
• Pay amounts owed to us
• Deliver any Crypto Assets owed to us
• Cooperate with any pending transaction cancellations, dispute resolution, or investigations

• We may provide support through email, chat, help desk, dashboard, or other communication channels.
• We may monitor or record support communications for quality, security, training, compliance, and recordkeeping purposes.
• You agree to communicate respectfully with our staff, agents, Providers, and support representatives.
• Abuse, threats, harassment, offensive language, or misconduct may result in restriction or termination of access.
• We may send you operational, legal, security, compliance, and service communications.
• Marketing communications will be sent only where permitted by law and subject to your available opt-out rights.

We process personal data in accordance with our Privacy Policy. By using the Services, you acknowledge that we may collect, use, store, disclose, and transfer information as described in our Privacy Policy. We may share information with Providers, identity verification vendors, compliance vendors, blockchain analytics providers, payment providers, banks, regulators, law enforcement, tax authorities, and other parties where necessary or permitted by law.

We do not warrant that the Website, Platform, or Services will be uninterrupted, secure, or error-free; that defects will be corrected; that information will be accurate, complete, or current; that transactions will be executed at any particular price or time; that any Crypto Asset will retain value; that any Provider will remain available; or that any Wallet, blockchain, or network will operate without issue.

To the maximum extent permitted by law, YEAR TECH, Yera Connect, Affiliates, officers, directors, employees, contractors, agents, and Providers are not liable for:

To the maximum extent permitted by law, our total liability is limited to the fees you paid to us for the relevant Service during the three months before the event giving rise to the claim.

To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless YEAR TECH, Yera Connect, Affiliates, officers, directors, employees, contractors, agents, and Providers from and against all claims, demands, proceedings, liabilities, losses, damages, costs, and expenses, including reasonable legal fees, arising from or relating to your breach of these Terms, your use or misuse of the Website, Platform, or Services, your violation of law, regulation, sanctions, or third-party rights, your transactions, wallets, payment methods, or Account, or claims by third parties arising from your conduct.

We are not liable for any failure or delay caused by events outside our reasonable control, including:

• Natural disasters, war, terrorism, civil unrest, or government action
• Sanctions or regulatory action
• Labour disputes, power failures, internet, telecommunications, or hosting failures
• Blockchain network failures, cyberattacks, Provider outages
• Banking or payment network failures, market disruption
• Fire, flood, pandemic, or public health emergency

If you are a consumer, nothing in these Terms limits mandatory consumer protection rights that apply in your country of residence.

• These Terms constitute the entire agreement between you and us regarding the Website, Platform, and Services.
• If any provision is found invalid, illegal, or unenforceable, the remaining provisions remain in effect.
• Our failure to enforce a provision is not a waiver of our right to enforce it later.
• You may not assign or transfer your rights or obligations under these Terms without our prior written consent.
• We may assign, transfer, subcontract, or delegate our rights and obligations under these Terms where permitted by law.
• These Terms do not create a partnership, joint venture, agency, fiduciary relationship, employment relationship, or franchise relationship.
• No third party has rights under these Terms unless expressly stated.
• The English version of these Terms controls. Translations may be provided for convenience only.
• Sections intended to survive termination will continue to apply, including sections relating to fees, taxes, intellectual property, risk disclosures, disclaimers, liability, indemnification, governing law, and dispute resolution.

1. 2.1Yera Connect may provide Integrators with technology that enables Customers to access crypto wallet functionality, transaction execution, crypto transfers, crypto withdrawals, fiat coordination, and related services.
2. 2.2The Integrator remains responsible for its own product, business model, customer-facing interface, marketing, disclosures, legal compliance, licensing analysis, and Customer relationship.
3. 2.3Unless separately agreed in writing, Customers introduced through an Integrator do not have a direct commercial contract with YEAR TECH. However, Customers may still be subject to Yera Connect operational controls, compliance checks, and Provider requirements.
4. 2.4Yera Connect may reject, restrict, suspend, or terminate any Customer, transaction, wallet, jurisdiction, use case, or Integrator activity for compliance, legal, risk, technical, Provider, or reputational reasons.

Where Yera Connect provides custodial wallet infrastructure, wallets may be created, managed, or operated by Yera Connect or Providers; Customers may not control private keys; transaction execution may be controlled by Yera Connect or Providers; and wallet balances may be reflected through the Platform. Yera Connect may execute or coordinate:

1. a.Internal transfers between Customer wallets
2. b.Blockchain transactions and crypto withdrawals to External Wallets
3. c.Crypto pay-outs and transaction status updates
4. d.Settlement coordination through Providers

All transactions are subject to risk controls, compliance checks, sanctions screening, wallet screening, Provider requirements, limits, and technical availability.

Yera Connect may support custodial wallets, delegated custody wallets, wallet-as-a-service infrastructure, bound wallets, and External Wallets. Where custody is delegated to a Provider, custody obligations may be governed by Provider terms. Where Customers use External Wallets, Customers retain control of private keys; Yera Connect cannot control the External Wallet or reverse blockchain transactions. The Integrator must ensure Customers understand wallet risks and address accuracy requirements.

Yera Connect may provide an orchestration layer that routes transactions across supported crypto and fiat rails; coordinates Providers; tracks transaction status; coordinates settlement confirmations; manages technical messaging; supports webhooks and API status updates; and applies risk and compliance controls.

Fiat functionality depends on Providers. Unless expressly agreed otherwise, Yera Connect does not receive, hold, safeguard, or control fiat funds as customer deposits. Fiat funds may be received, held, processed, safeguarded, settled, or returned by Providers under their own regulatory permissions. The Integrator acknowledges that fiat availability depends on Providers; banking partners may impose limits, restrictions, reviews, delays, or suspensions; settlement timing is outside Yera Connect's sole control; fiat rails may be unavailable in some jurisdictions; and Provider withdrawal may require Service changes or suspension.

The Integrator must:

1. a.Act in good faith and comply with applicable law
2. b.Use the Services only for approved use cases
3. c.Provide accurate information to Yera Connect
4. d.Avoid exposing Yera Connect to legal, regulatory, financial, operational, sanctions, banking, or reputational risk
5. e.Promptly notify Yera Connect of material changes to its business model, ownership, jurisdictions, products, Customer base, transaction flows, or risk profile
6. f.Maintain appropriate security controls and comply with technical documentation
7. g.Cooperate with Yera Connect, Providers, regulators, and law enforcement where required

The Integrator must not:

1. a.Misrepresent the Services or suggest Yera Connect sponsors or licenses the Integrator's business
2. b.Suggest that Customers are guaranteed access to Services
3. c.Imply that Yera Connect guarantees transaction outcomes, asset value, settlement, or liquidity
4. d.Bypass compliance controls or onboard prohibited Customers
5. e.Use the Services for undisclosed use cases or route activity Yera Connect has rejected or restricted

The Integrator is solely responsible for the design, content, operation, legality, and accuracy of the Integrator Interface. The Integrator must provide Customers with clear, accurate, and non-misleading disclosures about the role of Yera Connect and Providers, wallet types and custody, private key control, crypto risks, blockchain irreversibility, transaction fees and limits, volatility, stablecoin risks, possible delays and rejections, Customer verification requirements, data sharing, and prohibited activities.

The Integrator must not claim that:

1. a.Yera Connect is a bank, regulator, or licensing umbrella
2. b.Customers are contracting directly with Yera Connect unless expressly agreed
3. c.Yera Connect provides investment, legal, tax, or financial advice
4. d.Yera Connect guarantees returns, asset values, liquidity, transaction execution, or settlement
5. e.Crypto assets are risk-free

The Integrator must collect Customer information in accordance with Yera Connect onboarding requirements and ensure that Customer data provided to Yera Connect is complete, accurate, current, and lawfully collected. The Integrator must obtain all Customer consents, notices, authorisations, and legal bases required for identity verification, business verification, sanctions screening, wallet screening, transaction monitoring, fraud screening, data sharing with Yera Connect and Providers, regulatory reporting, and compliance investigations.

The Integrator remains responsible for determining and complying with its own AML, CTF, sanctions, licensing, registration, reporting, and regulatory obligations. Yera Connect does not license, authorise, sponsor, or exempt the Integrator from regulatory requirements. Nothing in these Terms permits the Integrator to operate under YEAR TECH's licence, registration, permissions, or regulatory status, unless expressly agreed in writing and legally permitted.

The Integrator must maintain policies, procedures, systems, staff, and controls appropriate to its business and legal obligations. The Integrator must cooperate fully with Yera Connect compliance reviews, audits, investigations, Provider requests, regulatory requests, and law enforcement requests.

The Integrator is solely responsible for determining whether its business activities require licences, registrations, approvals, filings, disclosures, authorisations, or regulatory permissions. The Integrator must obtain and maintain all licences, registrations, approvals, and permissions required for its business. Yera Connect may require evidence of licences, registrations, legal opinions, compliance policies, or regulatory status. Yera Connect may suspend or terminate Services if the Integrator's regulatory position is unclear, inaccurate, high-risk, or unacceptable to Yera Connect or Providers.

• Implement APIs, SDKs, webhooks, dashboards, hosted pages, and technical tools in accordance with Yera Connect documentation
• Keep API keys, credentials, tokens, secrets, and access controls secure and never expose credentials in client-side code
• Promptly notify Yera Connect of security incidents, credential compromise, suspected misuse, data breach, fraud, or unauthorised access
• Monitor transaction statuses, webhook events, API responses, error messages, and operational notices
• Investigate and respond to Customer complaints, transaction errors, interface errors, and misuse connected to the Integrator Interface

The Integrator must not, and must ensure that Customers do not:

1. a.Use the Services for prohibited activities or bypass compliance controls
2. b.Structure transactions to avoid limits or submit false or misleading Customer information
3. c.Conceal beneficial ownership or misrepresent Customer location or jurisdiction
4. d.Route transactions for prohibited Customers or use Yera Connect for unapproved products
5. e.Present Yera Connect as a bank, payment institution, or investment adviser
6. f.Make false claims about licences, regulatory status, or sponsorship
7. g.Interfere with APIs or security controls
8. h.Engage in conduct that creates legal, regulatory, financial, operational, Provider, sanctions, or reputational risk

Yera Connect may conduct compliance, technical, operational, or risk reviews of the Integrator. The Integrator must provide requested documents, records, policies, procedures, Customer information, transaction information, legal opinions, licences, explanations, and technical evidence within the requested timeframe. Yera Connect may share relevant information with Providers, regulators, law enforcement, auditors, or professional advisers where required or appropriate. Failure to cooperate may result in suspension or termination.

The Integrator acknowledges that Services depend on Providers. Providers may impose requirements, restrictions, limits, fees, reviews, suspensions, or termination. Provider unavailability, rejection, delay, outage, policy change, regulatory issue, or withdrawal may affect the Services. Yera Connect is not liable for Provider actions, omissions, delays, failures, or restrictions, except where liability cannot be excluded by law.

Fees payable by the Integrator will be set out in an order form, commercial agreement, fee schedule, dashboard, invoice, or written notice. Fees are exclusive of taxes unless stated otherwise. The Integrator is responsible for all applicable taxes, duties, levies, bank charges, Provider charges, and transaction costs. Yera Connect may suspend Services for unpaid fees, failed payments, chargebacks, or payment disputes.

Without limiting any other indemnity, the Integrator must indemnify and hold harmless YEAR TECH, Yera Connect, Affiliates, officers, directors, employees, contractors, agents, and Providers from all claims, losses, liabilities, damages, costs, and expenses arising from Integrator breach of these Terms, Integrator misuse of the Services, Customer claims connected to the Integrator Interface, Integrator failure to obtain required licences, Integrator non-compliance with law, regulatory action attributable to Integrator conduct, data protection breaches caused by the Integrator, or security incidents caused by the Integrator.

Yera Connect may suspend or terminate Integrator access immediately if the Integrator breaches these Terms, exposes Yera Connect to legal or reputational risk, fails to cooperate with compliance requests, if Provider support is withdrawn, if required licences are missing, if Customer activity is suspicious or prohibited, or if Yera Connect reasonably considers suspension necessary. Suspension or termination may affect Customers, pending transactions, wallets, API access, dashboards, hosted pages, and related functionality.

Nothing in these Terms creates a partnership, joint venture, agency relationship, fiduciary relationship, merchant-of-record status, payment institution status, bank status, investment adviser status, or authorisation for the Integrator to rely on YEAR TECH's regulatory status. The Integrator remains responsible for local legal permissibility of Services outside the EEA.

During the term of the Integrator relationship, the Integrator grants YEAR TECH and its Affiliates a non-exclusive, worldwide, royalty-free licence to use the Integrator's name, trade name, trademarks, service marks, and logos for the limited purpose of identifying the Integrator as a customer, partner, or integration user. Such use may include websites, customer lists, case studies, presentations, event materials, social media, press releases, investor materials, and marketing materials. Use of Integrator marks will not imply sponsorship, endorsement, or approval beyond identifying the relationship. The Integrator may revoke this licence by written notice to info@yeraconnect.io.

• Schedule 1 forms part of the Terms.
• If an order form, master services agreement, or written commercial agreement is signed between YEAR TECH and the Integrator, that agreement may supplement or override Schedule 1 to the extent expressly stated.
• Any provision intended to survive termination will survive, including provisions relating to compliance, audits, fees, confidentiality, intellectual property, data, liability, indemnity, and governing law.