Terms of Services

Welcome to AlphaX. These Terms of Services ("Terms") govern your access to and use of the AlphaX platform, including our website, mobile applications, APIs, and all related services (collectively, the "Services") provided by AlphaX Technologies Limited ("AlphaX," "we," "us," or "our").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you must not access or use our Services.

AlphaX is a financial technology company. We are not a bank. All banking, custodial, and payment services are provided by our licensed and regulated partners. All usage of AlphaX is subject to applicable compliance requirements set by those partners.

1. Definitions

• "Account" means the account you register to access our Services.
• "Digital Assets" means cryptocurrencies, stablecoins (including USDC and USDT), and other blockchain-based tokens.
• "Fiat Currency" means government-issued currency such as USD, EUR, or other legal tender.
• "On-Ramp" means the process of converting Fiat Currency into Digital Assets.
• "Off-Ramp" means the process of converting Digital Assets back into Fiat Currency.
• "Partner" means any licensed Virtual Asset Service Provider (VASP), banking institution, card network, or regulated custodian through which AlphaX delivers its Services.
• "User," "you," or "your" means the individual or entity using the Services.

2. Eligibility and Account Registration

To access the Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction, whichever is higher.
• Not be located in, or a resident or national of, any country subject to economic sanctions or export restrictions, including U.S. prohibited jurisdictions.
• Have the legal authority to enter into these Terms on behalf of yourself or the business entity you represent.
• Provide accurate, current, and complete registration information.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately at support@alphax.asia of any unauthorized access or security breach.

3. Our Services

AlphaX provides a suite of financial technology tools, including:

3.1 Card & Spend Management

AlphaX enables businesses to issue virtual and physical cards through our licensed card issuing partners, including Visa-direct networks. Cards allow you to spend Digital Assets at merchants globally. AlphaX provides the platform and management interface; the underlying payment rails and card credentials are provided by our regulated banking partners.

3.2 Stablecoin On-Ramp & Off-Ramp

AlphaX facilitates the conversion of Fiat Currency to Digital Assets (On-Ramp) and Digital Assets to Fiat Currency (Off-Ramp) through licensed Virtual Asset Service Providers and liquidity providers. Standard Off-Ramp settlements typically occur within 1–3 business days via ACH or SEPA. Instant Payout options may be available in eligible regions.

3.3 Payment Gateway

AlphaX offers a payment gateway solution enabling businesses to accept Digital Asset payments from customers and convert them into Fiat Currency or hold them as stablecoins.

3.4 Asset Swaps

AlphaX provides in-platform swapping between supported Digital Assets at competitive exchange rates sourced from our liquidity partners.

4. KYC / KYB Requirements

To comply with global anti-money laundering (AML) regulations and the requirements of our licensed Partners, all users and businesses must complete a Know Your Customer (KYC) and/or Know Your Business (KYB) verification process before accessing the full functionality of the Services.

This process may require you to submit:

• Government-issued identification documents.
• Proof of address.
• Business registration documents (for corporate accounts).
• Beneficial ownership information.
• Source of funds documentation.

AlphaX and its Partners reserve the right to refuse account registration or suspend Services if verification requirements are not met or if suspicious activity is detected.

5. Fees

Fees applicable to your use of the Services are disclosed on our Pricing page and within the platform at the time of each transaction. Fees may include, but are not limited to:

• Card issuance fees.
• Transaction fees on card spending.
• On-Ramp and Off-Ramp conversion fees.
• Foreign exchange fees.
• Swap fees.

AlphaX reserves the right to modify its fees at any time with reasonable prior notice. Continued use of the Services after a fee change constitutes your acceptance of the updated fees.

6. User Obligations

By using the Services, you agree to:

• Provide accurate and truthful information at all times.
• Use the Services only for lawful purposes and in compliance with applicable laws and regulations.
• Keep your account credentials secure and confidential.
• Not use the Services on behalf of any third party without proper authorization.
• Cooperate with AlphaX and its Partners in any compliance, fraud investigation, or regulatory inquiry.

7. Prohibited Uses

You must not use the Services to:

• Engage in money laundering, terrorist financing, or other financial crimes.
• Fund, support, or transact with any individual or entity subject to economic sanctions.
• Conduct fraudulent transactions or use stolen, unauthorized, or compromised payment credentials.
• Violate any applicable law or regulation, including securities laws and export control laws.
• Attempt to circumvent any AML, KYC, or security controls.
• Use the Services in jurisdictions where such use is prohibited, including U.S. prohibited jurisdictions.
• Reverse-engineer, decompile, or attempt to extract the source code of our platform.

8. Custody of Digital Assets

Digital Assets held through the AlphaX platform are custodied by Bridge Venture LLC, a regulated custodian that utilizes institutional-grade cold storage and multi-party computation (MPC) technology. AlphaX does not take title to or custody of your Digital Assets.

Your fiat funds are held in segregated accounts at our licensed banking partners and are never commingled with AlphaX's operating funds.

9. Risk Disclosure

Digital Assets are highly volatile and subject to significant price fluctuations. The value of your Digital Assets may increase or decrease substantially in a short period of time. You acknowledge and accept the following risks:

• Market Risk: Digital Asset prices are volatile and unpredictable.
• Regulatory Risk: Laws and regulations governing Digital Assets vary by jurisdiction and may change, potentially affecting the availability or legality of certain Services.
• Technology Risk: Blockchain networks and software may be subject to bugs, forks, or security vulnerabilities.
• Liquidity Risk: Digital Assets may not always be convertible to Fiat Currency at the desired time or price.

AlphaX does not provide investment, financial, legal, or tax advice. Nothing in our Services constitutes a recommendation to buy, sell, or hold any Digital Asset.

10. Privacy and Data

Your privacy is important to us. We collect, use, and share your personal data as described in our Privacy Policy. By using the Services, you consent to our data practices.

We only share the minimum necessary data required to open your accounts, process transactions, and comply with legal obligations. All data transfers are encrypted and comply with applicable data protection standards, including PCI-DSS for payment security.

11. Intellectual Property

All content, trademarks, logos, software, and technology on the AlphaX platform are the exclusive property of AlphaX Technologies Limited or its licensors. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes.

You must not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any AlphaX intellectual property without our prior written consent.

12. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, ALPHAX DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted, error-free, or free of viruses or other harmful components.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALPHAX AND ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR DIGITAL ASSETS, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THESE TERMS SHALL NOT EXCEED THE FEES PAID BY YOU TO ALPHAX IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

14. Indemnification

You agree to indemnify, defend, and hold harmless AlphaX Technologies Limited and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Services.
• Your violation of these Terms.
• Your violation of any applicable law or regulation.
• Your infringement of any third-party rights.

15. Termination

AlphaX reserves the right to suspend or terminate your account and access to the Services at any time, with or without cause, and with or without notice, including for:

• Violation of these Terms.
• Failure to complete KYC/KYB verification.
• Suspected fraudulent, illegal, or suspicious activity.
• Requirements of our licensed Partners or regulatory bodies.

Upon termination, you remain liable for any outstanding fees or obligations. Provisions that by their nature should survive termination shall survive, including Sections 9, 11, 12, 13, 14, and 16.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which AlphaX Technologies Limited is incorporated, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Services shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration in accordance with applicable arbitration rules.

17. Changes to These Terms

AlphaX reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Effective Date" above. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance of the changes.

We encourage you to review these Terms periodically to stay informed of any updates.

18. Contact Us

If you have any questions about these Terms, please contact us at: