T&C

TERMS OF USE
1. INTRODUCTORY PROVISIONS1.1. The platform available on the website https://instantramp.com (hereinafter – the Platform) is created and hosted by Instantramp (UAB Hodleris, a limited liability company incorporated under the laws of the Republic of Lithuania, with registration number 304159704, having its registered office at Vokieciu str. 20, Vilnius, Lithuania, email support compliance@instantramp.com and PlexusPioneer s.r.o. a limited liability company incorporated under the laws of the Czech Republic, with registration number 21754781, having its registered office at Děčínská 552/1, Střížkov, 180 00 Praha 8, CZ, email support compliance@instantramp.com). Instantramp provides services in the exchange of fiat currency for cryptocurrency, and cryptocurrency for fiat currency (hereinafter - Purchase or Sale ). Instantramp offers the possibility to provide Services to businesses and individuals.
These Terms of Use (hereinafter – the Terms) govern use of the Platform and the other Instantramp services (the Platform and other services hereinafter – the Services) by Platform users (hereinafter – the Users). By clicking “I agree” button, downloading, using, configuring, or accessing the Platform or any of the other Services or otherwise signifying acceptance of these Terms of Use, each User represents and warrants that he has read and understand and agree that he (and his organization) shall be bound by these Terms of Use and all modifications and additions provided for. If a User does not agree to these Terms of Use, he shall not use any of the Services.1.2. Services consist of Instantramp performing the facilitation of User's request to buy or sell cryptocurrency by using different payment methods – bank cards, bank wire transfers or similar. Instantramp does not take possession or control of User’s cryptocurrency. Instantramp does not provide User with any payment service, electronic money-related service, or any other regulated financial service. For the avoidance of doubt, Instantramp does not keep or manage any cryptocurrency wallets of the User. Instantramp transfers cryptocurrency/fiat currency to the wallet/bank account provided by the User.1.3. Users acknowledge that Instantramp is not responsible for safeguarding or holding cryptocurrency, or any private keys or other security information to access User’s cryptocurrency and that Instantramp is not responsible for any loss of cryptocurrency resulting from theft, loss, or mishandling of cryptocurrency private keys or other security information outside its control.1.4. At no point during the Purchase or Sale, will Instantramp be in possession or in control of User’s funds.
1.5. Instantramp does not engage in any form of active promotion or solicitation. Any access to or use of our Services is initiated solely by the User at their own discretion. Instantramp does not seek Users through direct marketing or personal outreach efforts. By using our services, Users confirm that they have chosen to do so independently and without any active promotion or solicitation from Instantramp.2. REGISTRATION2.1. In order to be able to use Services, the User shall register and provide the information (hereinafter - the Registration). To finalize the Registration the User in selected cases shall provide Instantramp with certain information, such as name, date of birth, ID number, business name, email address, a digital currency wallet, bank account number, mailing address, phone number, and such other personal information as may be requested during the Registration process. Instantramp may also request a copy of a government-issued identification and other documents based on regulatory requirements.2.2. Except where authorized by Instantramp, the User shall not register more than one time, register on behalf of individuals other than himself, register on behalf of or for the benefit of any person who is not eligible to register in his own name or register on behalf of any group or entity other than organization of the User.2.3. During Registration the User agrees to:2.3.1. Provide true, accurate, current, and complete information about himself, and, if applicable, his organization, as prompted during the registration;2.3.2. Maintain and promptly update the data provided during the registration (hereinafter – the Registration Data) to keep it true, accurate, current and complete at all times;2.3.3. Do not register using a false identity or information;2.3.4. Do not conduct a Purchase or Sale if the User has been previously banned from the Services;2.4. The User is responsible for all activities that occur under his registration process. If he provides any information that is untrue, inaccurate, not current, or incomplete, Instantramp has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Instantramp has the right to suspend or terminate such User and refuse any and all Purchase and Sale.2.5. Instantramp conducts Anti-Money Laundering (AML) and Know Your Customer (KYC) verification checks of the Users. The User hereby authorizes Instantramp to conduct full and appropriate AML and KYC checks under applicable law and undertakes to provide Instantramp all the necessary information and / or documents for such AML and KYC checks. If such information and / or documents are not provided, Instantramp may refuse any and all User’s Purchase and Sale.2.6. In accordance with applicable AML Laws, Instantramp shall ask Users to provide KYC documentation, through a special partner service, which may include:2.6.1. User identification and verification: Identity verification (e.g., name, address, date of birth, identifying documents and information that would allow Instantramp to identify Users), residential address, verification, source of funds and/or wealth, PEP & Sanctions screening, International Watchlist screening, etc;
2.6.2. Due diligence verification of the User: Instantramp will provide a KYC questionnaire for the User to fill in;
2.6.3. Ongoing monitoring: Instantramp will conduct as part of the KYC verification.2.7. Before executing the Crypto or Fiat currency exchange, Instantramp shall have a right to suspend it and demand from the User documents which prove the legal source of funds related to the exchange of the currency. In case the User does not submit such documents, Instantramp shall have a right to refuse to execute the exchange and to provide related information to relevant authorities, if so required under applicable laws.2.8. For KYC performance, Users may be requested to provide additional or updated information, data and / or documents. User’s refusal to provide such information, data, documents and / or provision of insufficient or false information, data, documents shall be deemed to be a ground for Instantramp to refuse to enter into contractual relations or to decide to terminate contractual relations with the User regarding provision of Services under the Terms and may be subject for disclosure to relevant authorities, if so required under applicable laws. Besides, for the performance of KYC, sanctions compliance or other anti-money laundering or countering terrorist financing procedures Instantramp may be required to provide information received from the User to third parties. By accepting the Terms, Users are informed that information would be provided to such third parties to the extent needed for the on-boarding of the client and to perform subsequent legitimate actions (including, but not limited to monitoring of business relationships).3. ELIGIBILITY3.1. To access and use the Platform and the other Services, including registration, the User must be at least 18 years old. By completing registration and clicking the “I Agree” button or by downloading, installing or otherwise accessing or using any of the Services, each User represents and warrants that:3.1.1. The User is at least 18 years old and legally able to form a binding contract with Instantramp;3.1.2. The User satisfies the eligibility requirements and has not been previously suspended or removed from the Platform or any of the other Services or prohibited from registration or conducting a Purchase or Sale;3.1.3. The User will comply with these Terms of Use and all applicable local, state, national and international laws, rules and regulations.3.2. Subject to User’s compliance with all the terms and conditions set out in these Terms of Use, Instantramp hereby grants to the User a limited, non-exclusive, non-transferable, freely revocable right to access and use the Platform and the other Services to the extent and in accordance with these Terms of Use.3.3. Instantramp reserves the right to exercise whatever lawful means it deems necessary to prevent any unauthorized use of any of the Services, including, but not limited to technological barriers, IP mapping and directly contacting your Internet Service Provider (ISP) regarding such unauthorized use.3.4. By registering and/or conducting a Purchase or Sale on behalf of a business or other entity, the User represents and warrants that:3.4.1. He is duly authorized in accordance with the foregoing by the business or other entity on behalf of which he is acting;3.4.2. He has the power and authority to conclude the Purchase or Sale on behalf of the business or entity or in the capacity in which he is acting;3.4.3. The business or entity is in good standing in each jurisdiction in which it is registered to conduct business to the best of User’s knowledge;3.4.4. The business or entity can legally enter into these Terms of Use;3.4.5. Such business or other entity will abide by all of the terms and conditions of these Terms of Use;3.4.6. All email addresses provided on behalf of the business or entity are and will be used by the business or entity for business purposes;3.4.7. The User will not represent or portray the business or entity as being affiliated with Instantramp in any capacity other than being a User of the Platform or other Services without Instantramp prior written consent.3.5. If the User is acting on behalf of a business or other entity, such User:3.5.1. Shall not make multiple registrations on behalf of the same business or entity;3.5.2. Shall not operate or otherwise utilise registration in the name of a business or entity for the benefit of any persons other than that business or entity;3.5.3. Shall not operate or otherwise utilise registration in the name of a business or entity for any purpose prohibited by law or regulation, any activity which that business or entity is not duly authorized to conduct, or for any purpose prohibited by any other agreement between the business or entity and Instantramp;
3.5.4. Shall not make registration on behalf of any business or entity with regard to which he is not an authorized person with the power to enter into binding agreements on behalf of the business or entity;
3.5.5. Shall not communicate with any other User regarding the business or entity, or its business operations, or upload, post, transmit, share or otherwise make available any information or informational material identifying the business or entity or its business operations (other than registration data provided to Instantramp or other information requested by Instantramp or otherwise necessary for use of the Platform or the other Services);
3.5.6. Shall not upload, post, transmit, share, store or otherwise make publicly available through the Platform any private information regarding the business or entity, including, without limitation, addresses, phone numbers, email addresses, tax identification numbers and credit, or any personal information regarding persons associated with the business or entity (other than registration data provided to Instantramp).
3.6. If the User, the business or entity, any other person acting on behalf of the business or entity violate any of these Terms of Use, Instantramp may prohibit such User, such business or entity and any other person acting on the business or entity’s behalf from using or accessing the Services, including the termination of the registration associated with them at any time in its sole discretion, with or without notice.
3.7. Instantramp has a right to freeze any funds that are in Instantramp possession that Instantramp believes have a criminal origin and pursue possible legal actions against a User.
3.8. Instantramp has a right to deduct a fee to maintain, manage, store and administrate funds mentioned in article 3.7 that Instantramp believes have a criminal origin.4. SERVICES4.1. Instantramp provides its registered Users with the possibility to conduct Purchase or Sale of digital currencies, i.e. the User and Instantramp may enter into a purchase and sale agreement under which digital assets or fiat currency are sold to the User.4.2. With the aim of ensuring the prevention of the possibility of money laundering and/or terrorist financing, Instantramp has implemented KYC procedures and approved Rules for Money Laundering and (or) Terrorist Financing Prevention in accordance with the Law on the Prevention of Money Laundering and Terrorist Financing of the Republic of Lithuania and other applicable legal acts of the Republic of Lithuania.4.3. Once the User enters the type and amount of digital currency that they intend to purchase or sell on the Platform and generates a Purchase/Sale request, they are provided with an offer which specifies the amount and type of digital currency/fiat currency that they will receive once the Purchase/Sale is executed (hereinafter – Offer). The Offer is based on the market price of the digital currency at the moment of the generation of the Purchase/Sale request and does not necessarily mean that that exact amount will be delivered to the User’s digital currency wallet/bank account once the Purchase/Sale has been executed.4.4. The Purchase/Sale service fee that the User will have to pay for the Purchase or Sale services to Instantramp are included and presented in the generated Offer. Once the User accepts the Offer presented on the Platform, and executes the requested payment and the payment is confirmed to be received by Instantramp, digital currency/fiat currency is delivered to the digital wallet address/bank account that the User has provided.4.5. The final amount of the corresponding digital currency received by the User will depend on when the payment is received and the order is executed and may vary depending on the market situation and Purchase or Sale availability at the time when the order is executed. The User will be notified once the Purchase or Sale is executed and the digital/fiat currency is transferred to the User.4.6. In case the User wants to sell cryptocurrency, the wallet provided by the User must have sufficient balance for the order to be processed, including any fees applicable.4.7. Instantramp does not provide digital asset wallet services, therefore any User who wishes to purchase cryptocurrency will be required to provide their digital currency wallet address.
4.8. User agrees and understands that the price of digital currency is very volatile and that the exchange rate that is shown on the purchase or sale confirmation is based on the average price of digital currency in the open market during a specific time frame. The exact transaction will be executed only when Instantramp receives the specific confirmation or money to its bank account so the actual price that User in the end pays can be higher or lower than the conversion rate which was calculated on the purchase or sale confirmation. The time until the transaction will be executed can vary based on the time that the money will reach Instantramp accounts and can vary from minutes to days.
4.9. Instantramp shall not be liable for any loss of digital or fiat currency. The user is responsible for entering the right wallet address where the digital currency shall be transferred and the right bank account number where the fiat currency shall be transferred. Blockchain transactions are irreversible and Instantramp will not be able to reverse any transactions already executed in case you made a mistake in the provided data or instruction.

4.10. Instantramp shall not be held liable for any cyber-attack, hack or any other unlawful breach of the system, purchase or sale process or any other damages that occurred from such breach.
4.11. From time to time, errors can occur in the processing of transactions, resulting in the unintended overpayment to Users' wallets. In the event that a user’s wallet or bank account is credited with funds exceeding the value of any transaction that the user has completed or Instantramp has committed to ("Overpayment"), such Overpayment shall be deemed as an error.
4.12. Users agree to promptly report any such Overpayment to Instantramp. Failure to report such Overpayment constitutes a breach of these T&C.
4.13. Instantramp reserves the right to reverse any such Overpayment transactions without the need for consent from the User.
4.14. If the Overpayment is not promptly reported and the funds are used or withdrawn by the user, Instantramp reserves the right to pursue legal action.
4.15. Instantramp reserves the right to impose certain limits on the minimum or maximum number of trades User can enter into in a given time. Instantramp can set and change these limits at their discretion.
4.16. Users acknowledge and agree that they will be held responsible and liable for any non-compliance with this section of the T&C.
4.17. Refunds are not possible in cases when the User has received the purchased cryptocurrency in accordance with the Order.5. FEES5.1. Instantramp charges a purchase or sale service fee of certain % for each Purchase or Sale conducted by the User. The purchase or sale fee shall be added to the purchase or sale price and is reflected in the final price.5.2. Instantramp may modify the purchase or sale service fee and any other fees in connection with any of the Services in its sole discretion.5.3. To the extent that any taxes are payable by Instantramp in connection with the Purchase or Sale (other than income or other similar taxes), the User shall be obligated to pay to Instantramp the amount of such taxes in addition to any other amounts owing to Instantramp.5.4. In paying any of the Fees, the User acknowledges and agrees that he is not relying on the future availability of any Purchase or Sale.5.5. All Fees are non-refundable, non-cancellable and non-creditable unless required by applicable law.
6. USE OF THE SERVICES6.1. Each User using any of the Services or conducting Purchase or Sale shall not use the services for any illicit and/or illegal activities, including but not limited to:6.1.1. Decipher, decompile, disassemble, reverse engineer, modify, translate, or otherwise attempt to derive source code, algorithms, tags, specifications, architectures, structures or other elements of any of the Services, in whole or in part;6.1.2. Use any of the Services for the benefit of anyone other than User’s organization or User, including selling, reselling, distributing, hosting, leasing, renting, licensing or sublicensing, in whole or in part, any of the Services, for hosting or time-sharing services, or as part of a service bureau or outsourcing offering;
6.1.3. Provide any services to any third party using any of the Instantramp Services except in accordance with these Terms of Use;6.1.4. Prepare any derivative work of any of the Services or any other program based upon any of the Services;6.1.5. Reproduce, modify, adapt, translate, or otherwise make any changes to any of the Services or any part thereof;6.1.6. Copy, disclose, or distribute any data available on or through any of the Services, in any medium, including without limitation, by any automated or non-automated “screen scraping,” “database scraping” or any other activity with the purpose of obtaining content or other information;6.1.7. Interfere with, circumvent or disable any security or other technological features or measures of any of the Services or attempt to gain unauthorized access to any of the Services or its related systems or networks;6.1.8. Make unsolicited offers, advertisements or proposals or send junk mail or spam to other Users of any of the Services (including, but not limited to, unsolicited advertising, promotional materials or other solicitation material, bulk mailing of commercial advertising, chain mail, informational announcements, charity requests and petitions for signatures);6.1.9. Use bots or other automated methods to access any of the Services send or redirect messages or perform any other activities through any of the Services;6.1.10. Use any of the Services for any unlawful or inappropriate activities, such, as obscenity, violence, the transmission of deceptive messages or harassment;6.1.11. Use any of the Services for Illegal products and services illegal drugs, substances designed to mimic illegal drugs, and equipment designed for making or using drugs);6.1.12. Engage in “framing,” “mirroring,” or otherwise simulating the appearance or function of any of the Services or place pop-up windows over the Platform;6.1.13. Take any action that imposes or may impose, at Instantramp’s sole determination, an unreasonable or disproportionately large load on Instantramp’s infrastructure;6.1.14. Deep-link to any of the Services without Instantramp’s consent;6.1.15. Share or disclose information of others without their express consent;6.1.16. post or send content that:
● violates or infringes someone else’s rights of publicity, privacy, copyright, trademark, or other intellectual property right;
● is unlawful, threatening, abusive, harassing, defamatory, libellous, deceptive, fraudulent, invasive of another’s privacy, tortious, obscene, vulgar, pornographic, offensive, profane, contains or depicts nudity, contains or depicts sexual activity, or is otherwise inappropriate as determined by Instantramp in its sole discretion;
● is false, misleading, untruthful or inaccurate;
● includes anyone’s identification documents or sensitive financial information
● impersonates any person or entity, including any of Instantramp’s employees or representatives; or
● spams or solicits any Users.6.2. Instantramp has sole and complete control over and reserves the right at any time to make any changes to the configuration, appearance, content and functionality of the Platform and other Services. Instantramp reserves the right at any time, in its sole discretion, without any liability, for any or no reason:6.2.1. Impose limitations on access to or use of the Services;6.2.2. Discontinue displaying or transmitting any information and / or content;6.2.3. Temporarily suspend or to temporarily or permanently restrict access to the Services or any particular portion thereof;6.2.4. Suspend or cease operation of the Platform or other Services;6.2.5. Prohibit any application for Purchase or Sale.6.3. The User agrees that any suspension or termination of his access to the Services or any registration he may have or ability to conduct Purchase or Sale may be effected without prior notice, and he agrees that Instantramp will not be liable to him or any third party for any such termination. Instantramp reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Instantramp to disclose the identity of anyone posting any e-mail messages or publishing or otherwise making available any materials that are believed to violate these Terms of Use. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies Instantramp may have at law or in equity. Instantramp does not permit copyright infringing activities on the Platform or any of the other Services and it shall be permitted to terminate access to any of the Services and remove all content or other content submitted by any Users who are found to be repeat infringers. By accepting these Terms of Use, the User waives and shall hold Instantramp harmless from any claims resulting from any action taken by Instantramp during or as a result of its investigations and / or from any actions taken as a consequence of investigations by either Instantramp or law enforcement authorities.6.4. The Services may include links or references to other websites or services (hereinafter – Third Party Websites) solely as a convenience to Users. Instantramp does not endorse any such Third Party Websites or the information, materials, products, or services contained on or accessible through Third Party Websites. In addition, User’s correspondence or business dealings with or participation in promotions of advertisers found on or through the Platform or any of the other Instantramp Services are solely between the User and such advertiser. Access and use of Third Party Websites, including the information, materials, products, and services on or available through Third Party Websites are solely at User’s own risk.6.5. The User may terminate his use of the Services at any time. After such termination, the User must refrain from use of the Services until authorised by Instantramp.7. CANCELLATION AND REFUND POLICY
7.1. If the purchased cryptocurrency is not sent to the User’s wallet within 72 hours of the confirmed purchase, the User has the right to cancel the transaction and request a full refund.
7.2. Refunds will only be processed if the transaction was not completed within the 72-hour timeframe.
7.3. The refund will be processed in the original payment method used, minus any applicable processing fees, unless specified otherwise.
7.4. Cancellation and refunds are not possible in cases when the User has received the purchased cryptocurrency in accordance with the Order.
8. LIMITATIONS ON SERVICE AVAILABILITY
8.1. The Services is not available for any Prohibited User whatsoever. The following persons or entities are prohibited from using the Service (each, a “Prohibited User”): (i) persons or entities who appear on (A) UNITED NATIONS SANCTIONS (UN); (B) AUSTRALIAN SANCTIONS; (C) BUREAU OF INDUSTRY AND SECURITY (US); (D) EU FINANCIAL SANCTIONS; (E) OFFICE OF THE SUPERINTENDENT OF FINANCIAL INSTITUTIONS (CANADA); (F) US DEPARTMENT OF THE TREASURY OFFICE OF FOREIGN ASSET CONTROL (OFAC) – SPECIALLY DESIGNATED NATIONALS (SDN); (G) UK FINANCIAL SANCTIONS (HMT); (H) US CONSOLIDATED SANCTIONS; (I) DEPARTMENT OF STATE, AECA DEBARRED LIST (US); (J) DEPARTMENT OF STATE, NONPROLIFERATION SANCTIONS (US); (K) SANCTIONS APPLIED BY LITHUANIAN GOVERNMENT (ii) persons or entities or who are nationals or residents of the countries considered as a high-risks, sanctioned countries and countries on the FATF, EC lists (iii) persons or entities who are less than 18 years of age or not of the age of majority in both User’s Jurisdiction and Lithuania; (iv) persons or entities located in or domiciled in a jurisdiction where use of the Service or Transactions is illegal or requires a license or registration that such person or entity does not hold; and (v) persons, or their Affiliates who have been subject to termination by Instantramp.
8.2. Instantramp does not operate in the following jurisdictions. This list is not exhaustive and is updated accordingly to regulations and internal risk assessments. Instantramp will act reasonably in determining whether a transaction involves a prohibited jurisdiction.
Afghanistan, American Samoa, Anguilla, Antigua and Barbuda, Barbados, Belarus, Belize The Bahamas, Barbados, Burkina Faso, Bulgaria, Cambodia, Cameroon, Croatia, Costa Rica, Congo (the Democratic Republic of the), Cuba, Democratic People's Republic of Korea (North Korea), Fiji, Gibraltar, Guam, Haiti, Iran, Jamaica, Jordan, Lebanon, Libya, Marshall Islands, Mali, Morocco, Mozambique, Myanmar, Nicaragua, Nigeria, Pakistan, Palau, Panama, Philippines, Russia, Samoa, Senegal, Somalia, South Africa, South Sudan, Sudan, Syria, Seychelle, The Cayman Islands, Tanzania, Trinidad and Tobago, Turkey, Turkmenistan, Turks and Caicos Islands, United Arab Emirates, Uganda, US Virgin Islands, Vanuatu, Vietnam, Venezuela, Yemen, Zimbabwe.
Prohibited territories:
Crimea, Donetsk People's Republic, Luhansk People's Republic.9. INTELLECTUAL PROPERTY9.1. Instantramp (or its subsidiaries, affiliated companies and / or third-party licensors) shall have exclusive ownership of and title to all names, trade names, copyrights, trademarks, service marks, patent rights, trade secrets and all other proprietary and / or intellectual property rights in and relating to the Platform and other Services, including any Instantramp specifications and all content, and Users shall have no rights therein. The User shall not, by act or omission, diminish or impair in any manner the acquisition, maintenance, and full enjoyment by Instantramp, its licensees, transferees and assignees, of any Intellectual Property Rights.10. ELECTRONIC TRANSACTIONS AND COMMUNICATION10.1. Instantramp operates principally on the Internet, so if you want to conduct a Purchase/ Sale or otherwise use any of the Services, it is necessary for the User to consent to transact business with Instantramp online and electronically. As part of doing business with Instantramp, therefore, Instantramp also needs User to consent to giving certain disclosures electronically, either via Platform or to the email address the User provides to Instantramp. By agreeing to these Terms of Use, the User agrees to receive electronically all documents, communications, notices, contracts and agreements, arising from or relating to use of the Platform and the other Services (hereinafter each – the Disclosure).10.2. Any Disclosures will be provided to the User electronically through either Platform or via electronic mail to the email address the User provided. Disclosure will be deemed given twenty-four hours after such Disclosure is sent. Instantramp may discontinue electronic provision of Disclosures at any time in its sole discretion.10.3. By accepting these Terms of Use, the User expressly consents to be contacted by Instantramp, its agents, representatives, affiliates or anyone calling on its behalf for any and all purposes in connection with the Services, including any Purchase or Sale, at any telephone number, physical or electronic address provided by the User. The User certifies, warrants and represents that the telephone numbers, addresses that he has provided to Instantramp are his numbers, addresses and not someone else’s. The User agrees to alert Instantramp whenever he stops using a particular telephone number.10.4. The User agrees that any Disclosures that require a signature, including any Purchase or Sale, may be electronically signed and the electronic signatures appearing on any of the Disclosures, are the same as handwritten signatures for the purposes of validity, enforceability and admissibility.10.5. By agreeing to these Terms of Use, the User agrees that his electronic mail address could be used for direct marketing purposes. The User has the right to withdraw his consent to use his electronic mail address for direct marketing purposes. Such right shall be performed by sending an electronic mail to Instantramp to the address specified in these Terms of Use with request to withdraw consent or clicking the “Unsubscribe” button in a direct marketing message.11. INDEMNIFICATION11.1. The User agrees to indemnify, save and hold Instantramp, its affiliated companies, contractors, employees, agents and its third-party suppliers, licensors, and partners harmless from any claims, losses, damages, liabilities, including legal fees and expenses, arising out of User’s use or misuse of the Platform or any of the other Services or any of the content, any conducted Purchase or Sale, any violation by the User of these Terms of Use, any breach of the representations, warranties, and covenants made by the User herein or paying any Fees. Instantramp reserves the right, at User’s expense, to assume the exclusive defence and control of any matter for which User is required to indemnify Instantramp, and the User agrees to cooperate with Instantramp’s defence of these claims.

12. RISK DISCLOSURE12.1. Users acknowledge and accept that there are inherent risks associated with Crypto and that such risks extend to transactions. These risks include but are not limited to the failure of hardware, software or internet connections, the risk of malicious software introduction and the risk of unauthorized access to User’s Wallet. It is User’s responsibility to familiarize themselves with the risks involved with Crypto, their protocols and networks. Some Crypto may be deemed by one or another regulator to be securities. Use of the Service does not remove these risks. Instantramp is not responsible for any communication failures, disruptions, errors, distortions or delays when using the Services, however they may be caused. Transactions are contingent on the relevant Crypto network remaining operational which may be a function of Crypto miners, none of which are controlled by Instantramp and for which Instantramp has no liability. Users acknowledge and agree that the value of Crypto can change rapidly and without warning, increase or decrease unexpectedly and may even fall to zero. Transactions will take time to be confirmed and may in some cases not be completed. If Users attempt to send or receive Crypto that are not supported by their Wallet or Platform they may be lost entirely and not be recoverable. In no event will Instantramp be liable to User or to any third party for any of the foregoing. It is User’s responsibility to independently ascertain the value of their Crypto, without relying on the Services. Users understand and accept that there are also inherent risks associated with using any Crypto. Crypto is not Fiat money and it is not insured by the Bank of Lithuania or any other insurer or government. Most Crypto transactions are irreversible and if the User loses the private keys to his/her Wallet, all Crypto may be taken and may not be retrievable. These risks include but are not limited to unanticipated changes to the network protocol and unknown vulnerabilities which may include or result in underlying technology attacks. Other possible changes that could render User’s Wallet inaccessible may include forks or rollbacks of Crypto, networks, or blockchains. Instantramp has no control over any Crypto and will not be responsible for any loss you suffer when Users transact via any Crypto.
12.2. For the avoidance of doubt Instantramp does not provide any investment advice in connection with the Services contemplated by these Terms. Instantramp may provide information on the price, range, volatility of Crypto and events that have affected the price of these, but this is not considered investment advice and should not be construed as such. Any decision to purchase or sell Crypto is User’s decision and Instantramp will not be liable for any loss suffered.13. LIMITATION OF WARRANTIES AND LIABILITY13.1. User represents and warrants to Instantramp that:
13.1.1. User shall not use the Service for any Prohibited Use or in support of any Prohibited User;
13.1.2. The execution of these Terms of Use does not and will not violate any other agreement to which Users are bound or any law, rule, regulation, order or judgment to which you are subject;
13.1.3. User will not infringe or violate any of these Terms or the Privacy Policy;
13.1.4. User possesses the legal authority to enter into these Terms and to form a binding agreement under any applicable law, to use the Service in accordance with these Terms, and to fully perform User’s obligations hereunder;
13.1.5. If User uses the Service on behalf of a business, corporate or charitable entity, you represent, warrant and agree: (i) that User is duly authorized under any applicable law to represent such entity in connection with these Terms and to commit it to be bound by these Terms; (ii) hereby make all representations and warranties herein on both user’s and its behalf; and (iii) personally guarantee performance by such entity hereunder;
13.1.6. User possesses the knowledge and judgment necessary to decide whether to use the Service or otherwise engage with other use of the Service;
13.1.7. Users Wallet is owned and controlled exclusively by themselves;
13.1.8. Users are solely responsible for complying with applicable laws regarding use of the Service and Platform including, without limitation, the determination of whether a Transaction complies with laws applicable to them;
13.1.9. User shall not rely on Instantramp and fully understand that Instantramp does not provide any endorsement, support, financial advice, representation or guarantee regarding the accuracy, reliability, truthfulness, legality or completeness of any goods, services, information or content that may be available to you in connection with the Service;
13.1.10. Users shall obtain independent professional advice (including financial, legal, accounting, commercial and any other advice) to protect their interests before engaging in any Transaction. Users acknowledge that there is no professional relationship (including any attorney-client or advisor-advisee relationship) between them and Instantramp;
13.1.11. Users shall not use the Service to share any passwords or private keys for their Wallet or other accounts;
13.1.12. User shall not infringe any Intellectual Property Rights of Instantramp (including, but not limited, Intellectual Property Rights of the Service – Instantramp owns all rights to the Service not expressly granted to the Users under these Terms);
13.1.13. Since Instantramp provides the Services by electronic means, user’s instructions given to Instantramp shall be confirmed by the means Instantramp uses to confirm user’s identity on the Platform or via other communication means as may be agreed between the Parties in writing. User’s consents, approvals, acceptances and other statements given through the use of Platform or via other agreed communication means shall have the same legal validity as user’s signature on a written document. User’s agreements concluded with Instantramp via the Platform shall be deemed to be written agreements concluded between the User and Instantramp, and
13.1.14. You have read and agree to assume the risks identified above.13.2. Neither Instantramp or any of its affiliates, investors, third-party vendors, contractors or technology suppliers (hereinafter – the Instantramp Parties) nor any of their respective representatives, makes any warranty to the User or any other person as to the Platform, other Services or any portion thereof, whether express or implied, including any implied warranty of merchantability or fitness for a particular purpose, or any warranty regarding the correctness, quality, accuracy, reliability, security, performance, completeness, timeliness or continued availability of the Platform, other Services or any portion thereof. The User acknowledges and agrees that the Platform and other Services are provided on an “as is” basis at User’s sole risk. Unless otherwise expressly provided herein, neither any Instantramp Party nor any representative thereof shall have any duty or obligation to maintain the Platform, other Services or any portion thereof or to verify, correct, complete or update any information displayed thereon.13.3. Neither Instantramp nor any of their respective representatives do not warrant that the data, assessments, results, content, functions, or any other information offered on or through any of the Instantramp Services, or any third-party sites will be uninterrupted, or free of errors, viruses or other harmful components and do not warrant that any of the foregoing will be corrected. The User understands and agrees that he use, access, download, or otherwise obtain information, materials, assessments, results or data through any of the Services or any third-party site, at his own discretion and risk and that he will be solely responsible for any damage to his property (including his computer system) or loss of data that results from the download or use of such material or data.13.4. Instantramp is not an administrator or issuer of virtual currency or bank, broker dealer, investment club or investment advisor, but rather a Platform through which Users can purchase or sell digital assets. Users shall be solely responsible for compliance with all applicable laws and regulations relating to the use of digital assets. Each of the Users of the Services shall indemnify Instantramp for all claims, losses, damages, liabilities, including legal fees and expenses, arising out of or related to the use of digital assets, including the violation (whether intentional or not) of any applicable laws.13.5. Under no circumstances, including, but not limited to, negligence, Instantramp and Instantramp Parties will not be liable for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages (including without limitation damages arising from any unsuccessful court action or legal dispute, lost business, lost revenues or loss of anticipated profits or any other pecuniary or non-pecuniary loss or damage of any nature whatsoever) arising out of or relating to these Terms of Use or that result from use or inability to use of the Platform or other Services, or any Purchase/Sale or any other interactions with Instantramp.13.6. The User acknowledges and agrees that Instantramp has offered the Services, set its prices and entered into these Terms of Use in reliance upon the warranty disclaimers and the limitations of liability set forth herein, that the warranty disclaimers and the limitations of liability set forth herein reflect a reasonable and fair allocation of risk between the User and Instantramp, and that the warranty disclaimers and the limitations of liability set forth herein form an essential basis of the bargain between the User and Instantramp. Instantramp would not be able to provide any of the Services of the possibility of conducting Purchase/Sale to the User on an economically reasonable basis without these limitations.14. MODIFICATION OF TERMS OF USE14.1. Instantramp reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use at any time by posting the amended Terms of Use to the Platform or otherwise through the Services. If Instantramp updates these Terms of Use, it will update the “last updated” date at the top of the Terms of Use. Please check these Terms periodically for changes. Your continued use of the Services after the posting of changes constitutes your binding acceptance of such changes.15. APPLICABLE LAW AND DISPUTE RESOLUTION
15.1. These Terms of Use and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Lithuania and the Czech Republic.
15.2. Any dispute, arising out of or relating to the Terms of Use, shall be finally settled by the Courts of the Republic of Lithuania or the Czech Republic, depending on the jurisdiction most relevant to the dispute.
15.3. User expressly acknowledges and agrees that any dispute, claim, or controversy arising out of or relating to their use of the Services, shall not be resolved through arbitration.
15.4. Users further acknowledge and agree that any disputes or claims shall be resolved exclusively through the courts located in Lithuania or the Czech Republic, as applicable. Users expressly waive any right to participate in or initiate arbitration proceedings or class action lawsuits related to any disputes or claims.16. MISCELLANEOUS16.1. These Terms of Use and any rights and licenses granted hereunder may not be transferred or assigned by the User, but may be assigned by Instantramp without restriction. Any assignment attempted to be made in violation of these Terms of Use shall be void.16.2. If, at any time, a provision of this Terms of Use is declared unlawful, invalid or unenforceable in any manner with respect to the applicable laws, the lawfulness, validity and enforceability of the remaining provisions of these Terms of Use shall not be affected thereby.16.3. The failure to insist upon strict adherence to any term of these Terms of Use on any occasion shall not be considered a waiver or deprive of the right thereafter to insist upon strict adherence to that term or any other term of these Terms of Use.16.4. These Terms, and the rights and remedies provided hereunder, and any and all claims, disputes, and controversies arising hereunder or related hereto and/or to the Services, their interpretation, or the breach, termination, or validity thereof, the relationships that result from these Terms, or any related transaction shall be governed by, construed under, and enforced in all respects solely and exclusively in accordance with the laws of the Republic of Lithuania, if the user is contracting with the entity established in Lithuania, or the laws of the Czech Republic, if the user is contracting with entity established in the Czech Republic, without reference to their conflict-of-laws principles. Any disputes shall be brought in, and the User hereby consents to exclusive jurisdiction and venue in, the competent courts in Vilnius, Lithuania, or Prague, Czech Republic, as applicable, without prejudice to the consumer protection laws of the country of the User’s residence, if the User is a consumer.Last edited: Feb 5, 2025

PRIVACY POLICYThis privacy policy (hereinafter – the Privacy Policy) determines the basic information about the processing of your personal data by UAB Hodleris, a limited liability company incorporated under the laws of the Republic of Lithuania, with registration number 304159704, having its registered office : Vokieciu str. 20, Vilnius, Lithuania, email support compliance@instantramp.com and PlexusPioneer s.r.o. a limited liability company incorporated under the laws of the Czech Republic, with registration number 21754781, having its registered office at Děčínská 552/1, Střížkov, 180 00 Praha 8, CZ, email support compliance@instantramp.com) (hereinafter – Instantramp or we), when visitors use and navigate the website of Instantramp https://instantramp.com (hereinafter – the Website), as well as means and sources wherefrom such data is obtained, legal basis for processing of personal data and measures, which have been taken by Instantramp to protect the collected data.The controller of the data provided on or through the Website is Instantramp. If any questions regarding this Privacy Policy or your data protection arise, you may contact us by e-mail: compliance@instantramp.comPlease note that Instantramp shall have the right to unilaterally amend the present Privacy Policy at any time. In such cases the amended Privacy Policy will be published on our Website.1. THE PROCESSING OF PERSONAL DATA UPON PROVISION OF SERVICES1.1. Instantramp processes your data for the purposes of provision of its services when entering into and (or) performing the agreement entered into with you.
1.2. For this purpose, Instantramp may process your personal data such as:
1.2.1. personal identity data (such as name, surname, personal identity code, date of birth, nationality, personal identity document and other);
1.2.2. contact details (such as e-mail, place of residence and other);
1.2.3. data related with the transactions and execution of the agreements (such as payment methods, bank account numbers, historical data of your purchases and other);
1.2.4. other data provided and required for the provision of the respective services of Instantramp.
1.3. The data mentioned above is processed only to such an extent which is necessary to ensure proper provision of Instantramp’s services to you, also to implement Instantramp’s legal obligations binding us.
1.4. Instantramp shall store the personal data for a term of 10 years from the date of the fulfilment of the respective agreement, except for the cases when the legal acts provide for a longer term or the longer storage of such data is necessary for the protection of our interests.2. THE PROCESSING OF PERSONAL DATA FOR DIRECT MARKETING PURPOSES2.1. Instantramp processes your personal data for direct marketing purposes when you subscribe to our newsletter through the Website or other means like our Client using services of our Partners. Our newsletter may include information about Instantramp offers and other news.
2.2. The basis for the processing of your personal data for direct marketing purposes is your consent expressed by subscribing to our newsletter.
2.3. Personal data collected for direct marketing purposes will be stored for 3 years after the consent is obtained, unless you withdraw your consent or otherwise express your objection before the expiry of this term.After this term or after you withdraw your consent, your personal data processed by Instantramp will be immediately destroyed.
2.4. In any case you have the right to refuse our newsletters at any time. You can do this by clicking on a special link at the bottom of our newsletters or by informing us by e-mail at compliance@instantramp.com .
2.5. Instantramp may also process its clients’ personal data for direct marketing purposes in order to inform the clients about other services provided by Instantramp. Before becoming a client of Instantramp, also current clients of Instantramp may at any time disagree or revoke such processing of their personal data for the purpose of sending newsletters. The clients may express their objection by contacting us at compliance@instantramp.com or by clicking on a special link at the bottom of our newsletters.3. THE PROCESSING OF PERSONAL DATA UPON VISITORS REQUESTS3.1. Instantramp processes your personal data when you contact us by email, mail, social networks or by any other means of communication.
3.2. The purposes of such data processing are:
3.2.1. to ensure timely and appropriate processing of your requests;
3.2.2. to contact you regarding any information you provide;
3.2.3. to protect our interest;
3.2.4. to comply with legal obligations.
3.3. The basis for the processing of your personal data upon your request is Instantramp’s legitimate interest or implementation of legal requirements.
3.4. Personal data collected for the above mentioned purposes will be stored for up to 3 years depending on the data and other circumstances. Longer periods of personal data retention may be applied where:
3.4.1. there is a reasonable suspicion of an unlawful act which is subject to investigation;
3.4.2. your data is necessary for the proper resolution of the dispute, complaint or claim or the defence of Instantramp’s rights and interests;
3.4.3. Instantramp has received complaints related to you or if the Instantramp has noticed any violations committed by you;
3.4.4. it is necessary for back-up copies or related purposes of functioning of information systems of the Instantramp;
3.4.5. it is mandatorily required by applicable laws.4. THE PROCESSING OF PERSONAL DATA ON THE WEBSITE4.1.  Each time you access or visit the Website, the following technical personal data may be automatically collected: IP address, access date and time, webpage name and URL, device operating system data, information about the internet provider, language settings and other relevant data. Such data is collected by cookies and / or similar technology solutions on the basis of users’ consent.4.2.  A cookie is a file containing an identifier that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. We use cookies to ensure the efficient and safe operation of the Website and to analyse your habits so that the Website could be comfortable, efficient and tailored to meet your needs and expectations.4.3.  In the website we use cookies of three main types, for the following purposes:4.3.1. Required cookies – used to ensure proper performance of the website, security of customers            and their data, provision of high-quality services;
4.3.2. Functional cookies – used to enhance the website user experience, analyse the use of the system and in accordance to such improve the provision of services;
4.3.3. Advertising cookies – used to observe user online behaviour and optimize marketing campaigns according to such information.4.4.  Our service providers use cookies and those cookies may be stored on your computer when you visit our website. We use:4.4.1 Google Analytics cookies to observe our website traffic. Cookies used for this purpose help us detect website errors as well as measure website bandwidth. You can view the privacy policy of Google Analytics here;
4.4.1. Hotjar cookies to observe how users use our website. Cookies used for this purpose help us observe the performance of the website and analyse how we can improve our website. You can view the privacy policy of Hotjar here;4.5. Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via information provided in the relevant browser website, for example Chrome; Firefox; Internet Explorer; Safari.4.6. Please note, that required cookies are the condition of the Website use. If you opt out of these cookies, we cannot be sure how the Website will work.5. DATA TRANSMISSION TO THIRD PARTIES5.1. Instantramp may use the services provided by third parties, i. e. data processors (such as third-party data centres, servers, online traffic and website analysis, direct marketing services, etc.) that may receive access to your personal data. In any such case, we ensure that your personal data is transmitted only to the extent it is necessary to provide certain services of third party providers.
5.2. Moreover, in the light of investigations or other cases provided by law, your personal data may be submitted to the law enforcement, judicial or pre-trial institutions.You personal data may also be submitted to payment services providers, attorneys, auditors, other professional consultants, other third parties, related to the provision of Instantramp services and / or having legal basis to obtain such data.
Additionally, particular technical data pertaining to your visits on the Website (such as IP address, data collected or placed on the devices by the cookies, technical information of the browser, other information related to your browsing activities, etc.) may be transferred or made available to the entities in the EEA as well as outside the EEA for the purposes related to statistics, analysis and other related purposes. Please note that the personal data in non-EU countries may be subject to less protection than the EU. The Company will carefully assess the conditions under which such data will be processed and stored after transfer to the above entities6. YOUR RIGHTS AS THE DATA SUBJECT6.1. As the data subject, you have the following rights:
6.1.1. The right of access to personal data. You have the right to receive our confirmation that Instantramp is processing your personal data as well as the right to access your personal data processed and information about the purposes of processing, the categories of data being processed, the categories of data recipients, the period of data processing and the sources of data.
6.1.2. The right to rectification. If you think that data processed by Instantramp is inaccurate or incorrect, you have the right to request this data to be modified, clarified or corrected.
6.1.3. The right to erasure (right to be forgotten).When there are circumstances specified in certain legal acts (when the processing of personal data is illegal, the basis of processing of data has disappeared, etc.), you have the right to request Instantramp to erase your personal data.
6.1.4. The right to restriction of processing. When there are circumstances specified in certain legal acts (when the processing of personal data is illegal, you contest the accuracy of the data, etc.), you also have the right to request Instantramp to restrict the processing of your data.
6.1.5. The right to data portability. You have the right to transfer your data processed by Instantramp with your consent and by automated means to another controller.
6.1.6. The right to disagree with the processing of your personal data if it is processed on a legitimate interest basis, unless there are legitimate reasons for such processing or for the purpose of claiming, enforcing or defending legal requirements.
6.1.7. The right to revoke your consent to process your personal data. If we have no other legal basis for the processing of personal data, we will cease processing of personal data immediately after the cancellation / revocation of the consent provided by you.
6.2. If you wish to exercise any of the abovementioned rights, please contact us by email (hello@hfinance.co) or by post (our address is  Vokieciu str. 20, Vilnius,  Republic of Lithuania) or at Děčínská 552/1, Střížkov, 180 00 Praha 8, CZ, email support compliance@instantramp.com)
6.3. The above mentioned request shall at least comply with the following requirements:
6.3.1. The request shall be in writing, readable and understandable;
6.3.2. The request shall include your full name and (or) other contact information which may help us to identify you properly;
6.3.3. The request shall include clear and precise information on which of the rights mentioned in clause 6.1 you would like to exercise;
6.3.4. If you are exercising your rights through a representative, your request shall include the representative’s first name, last name, contact information for the communication and include a document certifying the representation.
6.4. Instantramp will reply to your written request within a period of note more than 30 calendar days since the day of receipt of such request. In exceptional circumstances, which may require additional time, this deadline for our reply may be extended by a further two months depending on the complexity of the situation. We may refuse to satisfy your request by giving you a written substantiated notice in case any circumstances set out in the applicable legislation are determined.
6.5. In case you deem that your rights have been violated, you have the right to file a complaint to the State Data Protection Inspectorate (you can find more information on the website vdai.lrv.lt/en/) However, we strongly recommend you to contact us firstly in order to find the right solution to a problem.7. FINAL PROVISIONS7.1. By using our services and/or browsing the Website, you agree to the terms of this Privacy Policy.
7.2. This Privacy Policy may be updated from time to time by Instantramp. We will inform you about the updates by submitting a new version of the Privacy Policy.Last edited: Feb 5, 2025

POLICY FOR THE PREVENTION OF MONEY LAUNDERING AND (OR) TERRORIST FINANCINGThis Anti-Money Laundering (hereinafter - AML) Policy and Identity Verification Policy (hereinafter- AML Policy) is designed to stipulate the commitment of Instantramp ( UAB Hodleris, a limited liability company incorporated under the laws of the Republic of Lithuania, with registration number 304159704, having its registered office : Vokieciu str. 20, Vilnius, Lithuania, email support compliance@instantramp.com and PlexusPioneer s.r.o. a limited liability company incorporated under the laws of the Czech Republic, with registration number 21754781, having its registered office at Děčínská 552/1, Střížkov, 180 00 Praha 8, CZ, email support compliance@instantramp.com) to detect, prevent and report attempts to use its financial services platform (hereinafter - the Services) to illegally launder money, to finance illegal activities such as terrorism and drug trafficking, or to commit fraud. Money laundering is defined as the process where the identity of the proceeds of crime are so disguised that it gives the appearance of legitimate income. Criminals are known to specifically target financial services firms through which they attempt to launder criminal proceeds without the firm's knowledge or suspicions.Instantramp offers the Services through its website https://instantramp.com (hereinafter – the Platform) that allow people to buy and sell crypto currencies. Instantramp does not keep or manage digital currency (such as Bitcoin) wallets and/or fiat money deposits. Instantramp recognises that decentralised and distributed digital currency and payment systems in which payments are processed and secured by advanced cryptography and distributed computing power instead of a centralised (government) institution pose a risk of illegal use.The Services provided by Instantramp are compliant with EU AML regulations. Instantramp is currently regulated in the Republic of Lithuania and the Czech Republic. The Company is registered with official Financial Units as a virtual currency exchange business. It is Instantramp policy to comply with applicable laws and regulations regarding AML and identity verification (know your customer / KYC procedures), and to detect and prevent the use of its Services for money laundering or to facilitate criminal or terrorist activities. Accordingly, the Company has implemented this AML Policy and accompanying systems and procedures to assess the specific risks posed by the Company’s Services and established controls to address those risks as required by law. While the Company is committed to protecting its users' privacy, it will not allow people to use its Services to launder money, commit fraud or other financial crimes, finance terrorist activities, or facilitate other illegal conduct, through using authorized 3rd party AML/KYC service providers which complies with EU AML regulations.Instantramp’s AML Policy is based on the guidance of European Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT) legislation and ensures that Instantramp is following it effectively and consistently.If you have any questions relating to this AML Policy, the use of the Services, or any other matter, please contact us compliance@instantramp.comLast edited: Feb 5, 2025