Terms of Service

1. DEFINITIONS

For the purposes of these Terms of Service:

• "Platform" refers to INFRA CORE PLATFORM, including all websites, applications, APIs, and services operated by FFOLLOWME OU.
• "Company," "We," "Us," "Our" refers to FFOLLOWME OU, a company registered in Estonia with Registration Number 16785919.
• "User," "You," "Your" refers to any individual, business entity, or organization accessing or using the Platform.
• "Account" refers to the registered user account on the Platform.
• "Services" refers to all banking, financial, cryptocurrency, and related services offered through the Platform.
• "Digital Assets" refers to cryptocurrencies, tokens, and other blockchain-based assets.
• "Fiat Currency" refers to government-issued currencies (EUR, USD, GBP, etc.).
• "Transaction" refers to any financial operation conducted through the Platform.

2. ELIGIBILITY REQUIREMENTS

2.1 Age Requirement

You must be at least 18 years old (or the age of legal majority in your jurisdiction) to use our Services.

2.2 Legal Capacity

You must have the legal capacity to enter into binding contracts in your jurisdiction.

2.3 Geographic Restrictions

Our Services are not available to residents of:

• Countries subject to comprehensive sanctions (including but not limited to: North Korea, Iran, Syria, Cuba, Crimea region)
• Jurisdictions where our Services would be prohibited by law
• Any jurisdiction where we have not obtained necessary regulatory approvals

2.4 Business Accounts

For Business, Institutional, and Paymaster accounts, you must:

• Be a legally registered business entity
• Have authority to bind the entity to these Terms
• Provide valid company registration documents
• Comply with all applicable business regulations

3. ACCOUNT TYPES & SERVICES

3.1 Individual Accounts

Personal banking services including multi-currency accounts, savings vaults, cryptocurrency portfolios, and international payments.

3.2 Business Accounts

Corporate banking services including business accounts, bank guarantees, team management, bulk payments, and API access.

3.3 Institutional Accounts

White-label solutions, advanced analytics, user management, and compliance dashboards for financial institutions.

3.4 Paymaster Accounts

Liquidity provision services, rate management, affiliate networks, and revenue tracking for payment service providers.

3.5 Affiliate Accounts

Referral program access, commission tracking, marketing materials, and payout management.

4. ACCOUNT REGISTRATION

4.1 Accurate Information

You agree to provide accurate, current, and complete information during registration and to update such information to maintain its accuracy.

4.2 Account Security

You are solely responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized access
• Using strong passwords and enabling two-factor authentication

4.3 One Account Policy

Each individual or entity may maintain only one account per account type unless expressly authorized by us in writing.

5. KYC/AML COMPLIANCE

5.1 Identity Verification

We are required by law to verify your identity. You must provide:

• Valid government-issued identification
• Proof of address (utility bill, bank statement dated within 3 months)
• Source of funds documentation when requested
• Additional documentation as required by our compliance team

5.2 Enhanced Due Diligence

For high-value transactions or accounts, we may require enhanced due diligence including:

• Detailed source of wealth documentation
• Business purpose declarations
• Video verification calls
• Third-party verification services

5.3 Ongoing Monitoring

We continuously monitor accounts and transactions for suspicious activity. We may:

• Request additional information at any time
• Suspend accounts pending verification
• Report suspicious activity to relevant authorities
• Freeze or close accounts that fail compliance checks

6. USER OBLIGATIONS

By using our Services, you agree to:

• Comply with all applicable laws and regulations
• Not use the Platform for any illegal purposes
• Provide accurate and truthful information
• Maintain adequate security for your account
• Report any security breaches immediately
• Not attempt to circumvent any Platform security measures
• Not interfere with the proper functioning of the Platform
• Not use automated systems to access the Platform without authorization

7. PROHIBITED ACTIVITIES

The following activities are strictly prohibited:

• Money laundering or terrorist financing
• Fraud, identity theft, or financial crimes
• Tax evasion or illegal tax avoidance schemes
• Trading in illegal goods or services
• Sanctions violations
• Market manipulation or insider trading
• Operating unlicensed financial services
• Pyramid or Ponzi schemes
• Human trafficking or exploitation
• Drug trafficking or illegal weapons trade
• Any activity that violates applicable laws

Violation of these prohibitions will result in immediate account termination and reporting to relevant authorities.

8. FINANCIAL SERVICES TERMS

8.1 Account Services

Multi-currency accounts are subject to:

• Daily and monthly transaction limits
• Currency conversion fees at prevailing rates
• Minimum balance requirements where applicable
• Account maintenance fees as disclosed in our fee schedule

8.2 Transfers and Payments

• All transfers are subject to verification and may be delayed for compliance review
• International transfers may take 1-5 business days
• We are not responsible for delays caused by correspondent banks
• Incorrect payment details provided by users are the user's responsibility

8.3 Savings Vaults

• Interest rates are variable and may change without notice
• Early withdrawal may result in penalty fees
• Deposits are not guaranteed by any government deposit insurance scheme
• Returns are not guaranteed and past performance does not indicate future results

9. CRYPTOCURRENCY SERVICES

9.1 Risk Acknowledgment

By using our cryptocurrency services, you acknowledge:

• Cryptocurrency prices are highly volatile and unpredictable
• You may lose all or part of your investment
• Past performance does not guarantee future results
• Regulatory changes may affect the value or legality of digital assets
• Blockchain transactions are irreversible
• You are solely responsible for your investment decisions

9.2 Wallet Services

• We provide custodial wallet services for supported cryptocurrencies
• Private keys are managed by us on your behalf
• We implement industry-standard security measures but cannot guarantee against all losses
• You are responsible for verifying wallet addresses before transactions

9.3 No Investment Advice

We do not provide investment, financial, tax, or legal advice. All cryptocurrency-related decisions are made at your own risk and discretion.

10. BANK GUARANTEES

10.1 Eligibility

Bank guarantee services are available only to verified Business and Institutional accounts that meet our credit and compliance requirements.

10.2 Terms and Conditions

• Each guarantee is subject to individual underwriting and approval
• Collateral requirements apply based on guarantee amount and risk assessment
• Guarantee fees are determined on a case-by-case basis
• Guarantees are governed by separate guarantee agreements

10.3 Default and Claims

In the event of a claim against a guarantee:

• We will investigate all claims before payment
• You remain liable for all amounts paid under the guarantee
• We may immediately demand repayment of all outstanding amounts
• Collateral may be liquidated to cover obligations

11. FEES AND CHARGES

11.1 Fee Schedule

Current fees are published in our Fee Schedule, available on the Platform. Fees may include:

• Account maintenance fees
• Transaction fees
• Currency conversion fees
• Withdrawal fees
• Wire transfer fees
• Cryptocurrency network fees
• Premium service fees

11.2 Fee Changes

We may modify fees at any time with 30 days' notice. Continued use of Services after fee changes constitutes acceptance.

11.3 Third-Party Fees

You may incur additional fees from third parties (banks, payment processors, blockchain networks) which are your responsibility.

12. LIMITATION OF LIABILITY

13. DISCLAIMERS

13.1 Service "As Is"

THE PLATFORM AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

13.2 No Guarantee of Availability

We do not guarantee that the Platform will be available at all times or that it will be free from errors, viruses, or other harmful components.

13.3 No Financial Advice

Nothing on the Platform constitutes financial, investment, legal, or tax advice. You should consult qualified professionals before making financial decisions.

13.4 Third-Party Content

We are not responsible for any third-party content, links, or services accessed through the Platform.

13.5 Regulatory Status

Our regulatory status may vary by jurisdiction. It is your responsibility to ensure that using our Services is legal in your jurisdiction.

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless FFOLLOWME OU, INFRA CORE PLATFORM, and their respective directors, officers, employees, agents, licensors, and service providers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Platform or Services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of any third-party rights
• Any content you submit or transmit through the Platform
• Any fraudulent or illegal activity conducted through your account
• Your tax obligations related to use of the Services

This indemnification obligation survives termination of these Terms and your use of the Platform.

15. INTELLECTUAL PROPERTY

15.1 Our Intellectual Property

All content, trademarks, logos, software, and intellectual property on the Platform are owned by or licensed to FFOLLOWME OU. You may not use, copy, modify, or distribute any such materials without our express written permission.

15.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use the Platform for your personal or internal business purposes, subject to these Terms.

15.3 Restrictions

You may not:

• Reverse engineer, decompile, or disassemble the Platform
• Remove any copyright or proprietary notices
• Use the Platform to develop competing products
• Sublicense or transfer your rights to any third party

16. TERMINATION

16.1 Termination by You

You may close your account at any time by contacting our support team. Account closure is subject to:

• Settlement of all outstanding balances and obligations
• Completion of any pending transactions
• Compliance with applicable regulatory requirements
• Withdrawal of remaining funds (subject to verification)

16.2 Termination by Us

We may suspend or terminate your account immediately and without notice if:

• You violate these Terms
• We suspect fraudulent or illegal activity
• You fail to provide requested verification documents
• You pose a compliance or reputational risk
• Required by law, regulation, or court order
• We discontinue the Services in your jurisdiction

16.3 Effect of Termination

Upon termination:

• Your right to access the Platform ceases immediately
• We may retain your data as required by law
• Outstanding fees and obligations remain payable
• Provisions that should survive termination will remain in effect

17. DISPUTE RESOLUTION

17.1 Informal Resolution

Before initiating formal proceedings, you agree to contact us and attempt to resolve any dispute informally for at least 30 days.

17.2 Arbitration

Any dispute that cannot be resolved informally shall be resolved through binding arbitration administered by the Estonian Chamber of Commerce and Industry under its Arbitration Rules. The arbitration shall be conducted in English in Tallinn, Estonia.

17.3 Class Action Waiver

YOU AGREE TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS.

17.4 Exceptions

Either party may seek injunctive relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

18. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of Estonia, without regard to conflict of law principles. The courts of Estonia shall have exclusive jurisdiction over any disputes arising from these Terms, subject to the arbitration provisions above.

19. AMENDMENTS

We reserve the right to modify these Terms at any time. Material changes will be notified via:

• Email to your registered address
• Prominent notice on the Platform
• In-app notifications

Continued use of the Services after changes constitutes acceptance. If you do not agree to the amended Terms, you must stop using the Services and close your account.

20. GENERAL PROVISIONS

20.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and us.

20.2 Severability

If any provision is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.

20.3 Waiver

Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.

20.4 Assignment

You may not assign your rights or obligations without our written consent. We may assign our rights and obligations without restriction.

20.5 Force Majeure

We shall not be liable for any failure or delay due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, government actions, power failures, or internet outages.

21. CONTACT INFORMATION