TERMS AND CONDITIONS

Terms of Service

These Terms of Service and any terms expressly incorporated herein (the “Terms”) govern access to and use of all parts of the website and mobile application branded as MY NEO GROUP / NEO Dash / NEO X / NEO ONE and referring to the domains https://myneogroup.com https:// myneodash.com (the “Website”, “App”) and all documents, data, materials or other information made available on the Websites. 

Your access to and use of the Website and/or App is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, Clients and others who access or use the Website and/ or App. These Terms contain the entirety of the applicable; any conflicting or departing terms shall not be applicable, unless We expressly confirm the applicability.

By clicking the “Sign up” button or by accessing or using the Website and/ or App, you acknowledge and agree to be legally bound by these Terms and Privacy Policy as published on the Website and/ or App at the time of each use. If you do not agree to the Terms and Privacy Policy, please refrain from using the Website and/ or App. These Terms may be made available in several languages; all versions are legally binding, but in the event of inconsistency between the English version and a translated version, the English version prevails.

We cannot guarantee that Our Services will always meet your demands. As We grow, We will likely add new services, change certain features and drop old features. However, We truly hope You will always be satisfied withUs and Services We provide to You.

Last updated: 22^nd February, 2024. CONTENT

Please click the links below if You wish to go directly to a particular section of these Terms. The

headings are for reference only and do not affect construction and interpretation.

1. DEFINITIONS
2. GENERAL PROVISIONS
3. REGISTRATION FOR A NEO DASH / NEO ONE ACCOUNT
4. SERVICES PROVIDED AND ACCESS
5. CLIENT OBLIGATIONS
6. LINKS TO OTHER WEB SITES
7. DISCLAIMER
8. RISK DISCLOSURE
9. LIABILITY
10. INDEMNIFICATION
11. CANCELLING YOUR ACCOUNT
12. ACCOUNT SUSPENSION AND CLOSURE
13. GENERAL PROVISIONS & APPLICABLE LAW
14. CONTACT US
15. MODIFICATIONS
16. PRIVACY POLICY

1. DEFINITIONS
   • Capitalized terms not otherwise defined in these Terms will have the following meaning:

• Account an account on the Platform opened and held in the name of a Client and maintained by NEO Dashand/or NEO X and/or NEO ONE.
• Client, “You” all the natural or legal persons who have registered on NEO Dash Platform or NEO X / NEO ONE
• NEODash’s Terms of Services, “Terms” NEO Dash’s Terms of Services for the Clients available on theWebsite and/ or App and as may be amended from time to
• My NEO GROUP, NEO Dash, NEO X, NEO ONE, “We”, “Us”or “Our” is a FinTech organisation, developed by the MM BITINVEST OU company, which is based in Estonia with the company registration number: 16019579and with a registered address at: Narva mnt 5, Harju maakond, Tallinn, Estonia 10117. “Collaboration Partner” provides different types of Services to NEO Dash / NEO ONE end Clients. Through the confirmation of the present Terms, the Client agrees to the Terms of Use and Privacy Policies of each Collaboration Partner, withoutprejudice that any of these may require additional consent or validation necessary for the part of the Service they are in charge. Collaboration Partners may restrict their services to Client who does not comply with Collaboration Partner’s risk appetite. All services regulated as e - money and/or payments services are exclusively provided by the Collaboration Provider (and never by MM BITINVEST OU). Please find Our Collaboration Partner list below inthis
• Funds in account for both crypto and fiat currencies which hold inter-exchangeable value and are operated within Our system. These funds can be digitally deposited, withdrawn, transferred, and
• GDPR Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on theprotection of natural persons with regard to the processing of personal data and on the free movement of suchdata and repealing Directive 95/46/EC (General Data Protection Regulation) (Text with EEA relevance), OJ L 119, 4.5.2016. If your country of residence is based within the European Economic Area (“EEA”) and the GDPR applies to Our processing of your personal data (within the meaning of GDPR), your representative within theEEA for the purposes of the GDPR is Neo Dash App, Ltd. If your Country of Residence is outside of the EEA,provisions related to the GDPR shall not apply to your use of the
• Payment Card: a payment card issued to you by an authorized Third-Party Service Provider, enabling payment transactions in fiat money than can be funded with Virtual Assets stored in your
• Platform a publicly accessible internet-based information system which is branded as’NEO Dash’, available via the Website and/ or App and operated or managed by MM BITINVEST
• Services connecting the Clients to technological tools through the use of the Platform NEO Dash and/or NEO ONE app providing the different Collaboration Partners services, including but not limited to (i) virtual and physical cards, (ii) crypto wallets, (iii) crypto exchange, (iv) rewards center, (v) token staking and (vi)Marketplace in a single
• Third-Party Service Providers: authorized or regulated financial institutions, providers of processing, identity verification, anti-money laundering services, and such other third parties as we may partner with from time to
• Third-Party Services: services made available by Third-Party Service
• Third-Party Terms: terms, conditions, and policies of Third-Party Service

• VIBAN Account: a virtual account opened for you by Striga that is linked to Striga’s payment account opened by an authorized Third-Party Service Provider, enabling certain transactions with fiat currency as further detailed inthe
• Virtual Asset: a value represented in the digital form, which is digitally transferable, preservable, or tradable and which natural persons or legal persons accept as a payment instrument but that is not the legal tender of any country or funds for the purposes of Article 4(25) of Directive (EU) 2015/2366 of the European Parliament and of the Council on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC, and 2013/36/ EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (OJ L 337, 12.2015, pp 35–127) or a payment transaction for the purposes of points (k) and (l) of Article 3 of the same Directive.
• Virtual Asset Services: any or all of the following:
  • Virtual Asset Wallet Service: a Service in the framework of which we host a Virtual Asset Wallet or account that is managed with encrypted keys and enables the holding, storage, and transfer of Virtual
  • Virtual Asset Transfer Service: a Service that allows a transaction to be conducted electronically at least in part through us in your name with the aim of moving the Virtual Asset to the recipient’s Virtual AssetWallet or
  • Virtual Asset Exchange Service: a Service with the help of which you exchange a Virtual Asset against a fiat currency or a fiat currency against a Virtual Asset, or a Virtual Asset against another Virtual
• Wallet a storage which is used to store, send, and receive cryptocurrencies digital and NEO Dash has a multi-currency wallet allowing Our Clients to receive different types of cryptocurrencies supported by the NEO Dash. The Wallet holds one or more public addresses that act as cryptocurrency account numbers and can be used to receive that particular asset. Blockchain is a linear chain of multiple linked blocks that are cryptographically secured. Each block contains, among other things, a list of recent transactions and a referenceto the block which came immediately before it.
• Website the website branded as My NEO GROUP, Neo Dash and NEO ONE and referring to thedomains https://myneogroup.com and https://myneodash.com https://myneoone.com

2. GENERAL PROVISIONS
   • The use of the Website App and its content is voluntary and falls under the responsibility of the
   • The Services are intended solely for users who are at least 18 years old or of legal age in their respectivecountry, if higher, and who satisfy the criteria described in these The Client must represent and warrant that he/she: (i) as an individual, legal person, or other organization, have full legal capacity and sufficient authorizations to enter into these Terms; (ii) have not been previously suspended or removed from using Our Services; (iii) are not located in, or a citizen or resident of the United States; (iv) is not a legal or natural person with US citizenship, domicileor tax liability in the USA or according to the sanction lists of OFAC, the United Nations, the European Union, the United Kingdom, Austria, Switzerland, Liechtenstein or other sanction lists and (v) is not a Politically ExposedPerson (PEP).

• Some Services may not be available in certain jurisdictions or regions or to certain users. We reserve the right tochange, modify or impose additional restrictions at Our discretion at any
• As long as You agree to and comply with these Terms, We guarantee You the personal, non-exclusive, non-transferable, non-sublicensable and limited right to enter and use the Platform and the
• You are the only person authorized to use your Account and the Services and You may not share your Accountcredentials with any other
• Withdrawal of FIAT funds from the NEO Dash Platform and/or NEO ONE app is permissible only to Your personal bank account, while transactions of virtual assets are allowed to third

3. REGISTRATION FOR A NEO Dash / NEO ONE ACCOUNT
   • All users must apply for a NEO Dash and/or NEO ONE Account before using NEO Dash and/or NEO Xand/or NEO ONE
   • When You register a NEO Dash and/or NEO ONE Account, You must provide your real name, birthdate,country, mobile number, email address and password, and accept these Terms, the Privacy Policy, and other Platform rules. Please use the letters of the Latin alphabet in the sections where We ask you to fill in requested
   • From time to time We may be required to request further information regarding your transactions in order to comply with applicable law and regulation. Failure to provide such information in a timely fashion may result in the suspension of your ability to use the Services (until you provide such information) or the closure of your
   • You represent and warrant that any and all information provided to Us pursuant to the registration process or otherwise is true, accurate and not misleading in any respect. If any such information changes, it is your obligationto timely update such information as soon as possible to maintain the integrity and accuracy of the
   • If there are any grounds for believing that any of the information You provided is incorrect, false, outdated or incomplete, NEO Dash and/or NEO ONE reserves the right to send You a notice to demand correction, directly delete the relevant information, and, as the case may be, terminate all or part of NEO Dash and/or NEO ONEServices provided to If We are unable to reach You with the contact information You provided, You shall be fully liable for any loss or expense caused to NEO Dash and/or NEO ONE during your use of NEO Dash and/or NEO ONE Services.
   • For Our compliance purposes and in order to provide the Services to You, You hereby authorize Us to, directly or through a Collaboration Partner, obtain, verify, and record information and documentation that helps Us to verifyyour identity and personal Account
   • You must also keep your login data secret and take all responsible precautions to protect the login data fromunauthorized We reserve the right to change your login data or close your account, if We discover that youraccount has been used by an unauthorized party.

4. SERVICES PROVIDED AND ACCESS
   • Access to the Services is granted through Our Website or Our App. Your use of the App remains at all timessubject to the terms of conditions and privacy policies of the relevant app

store from which You downloaded it, for example the Google Play or the Apple App Store. To the extent that there is a conflict between those terms and conditions and these Terms and Conditions, these Terms prevail.

• Certain Services or parts of the Platform may be accessible only by agreeing to the terms of use and privacy policies of Our Collaboration Partner’s. We strongly advise You to read the terms and conditions and privacy policiesbefore applying for the Please find Our Collaboration Partner list below in this document.
• We reserve the right to change, suspend, or discontinue any aspect of the Services at any time and in any jurisdiction, including hours of operation or availability of any feature, without This will make changes tothese Terms necessary.
• We may decline to process any order and may limit or suspend your use of one or more Services at any time, in our sole discretion. Suspension of your use of any of the Services will not affect your rights and obligations pursuant to these Terms. We may, in Our sole discretion, decline to process orders if (i) We believe the transaction is suspicious; (ii) the transaction may involve fraud or misconduct; (iii) it violates applicable laws; or (vi) it violates the terms of these Where permitted by law, We will notify you by the end of the business day if We havesuspended processing your orders and, if possible, provide Our reasons for doing so and anything You can do tocorrect any errors leading to the stoppage.
• You must not access without authority, penetrate, interfere with, damage or disrupt (or attempt to do any of the same) any part of the Services or its security measures, any servers, other equipment or networks connected to the Services or on which it is stored or any software used in the provision of the Services, including in each case bytransmitting any worms, computer viruses, malware, logic bombs, Trojan horses, spyware, harmful components or any other software, code or data of a corrupt, destructive, malicious or disruptive nature (the “Viruses”). You alsoagree to take steps to ensure that the hardware and software that you employ to access the Services does not introduce any form of computer Viruses or similar item into the Service and agree to indemnify Us for any loss thatit may suffer as a result of such
• You agree to pay NEO Dash and/or NEO ONE the fees specified in NEO Dash and/or NEO ONE service fees schedule. NEO Dash and/or NEO ONE may, in its discretion, update the fees at any time. Any updated fees will apply to any sales or other transactions that occur following the effective date of the updated fees. You authorizeNEO Dash and/or NEO ONE to deduct from your account any applicable fees that you owe under these

CRYPTO CARD and vIBAN FEES

• Fees collection can happen directly by the Platform or through our Third-Party Providers, guaranteeing the we instruct our Third-Party Providers to debit such fees from the customer’s account in accordance with the pricing applicable to the customer, and we assume liability for compensating charged fees to which the customerhas not

4.7.1 The onboarding fee can be paid via credit card (Stripe) or via the native crypto token of the platform (NRT).
When the user reaches the onboarding fee payment page, they are presented with the option to pay via credit card or the native crypto token.
a) If the user chooses to pay via credit card, they will be prompted redirected to Stripe, a third-party payment processor, asked to enter their credit card details, including card number, expiration date, CVC, and billing address. Stripe verifies the payment details and, upon successful authorization, processes the payment for the onboarding fee. Once the payment is successfully processed, the user receives a confirmation of the payment and their onboarding process continues.
b) If the user chooses to pay via the native crypto token (NRT), they will be provided with the necessary instructions for making the payment using the platform's supported cryptocurrency wallet. Upon user acceptance of paying the onboarding fee via NRTs, the platform proceeds with the debit of 8 NRT on user’s NRT wallet embedded in the NEO DASH platform. The platform's system monitors the blockchain for the incoming transaction and waits for the required number of confirmations to validate the payment. Upon successful verification, the user receives confirmation of the NRT payment, and their onboarding process proceeds.

• Subject to availability, as per our arrangements, we may provide you with access to our Platform (through the application developed, maintained, and/or made available to you by the respective Third-Party Service Provider)to use some or all the following Services:
  • Virtual Asset Wallet Service;
  • Virtual Asset Transfer Service;
  • Virtual Asset Exchange Service;
  • vIBAN Account;
  • vIBAN Account;
  • Card issuance;
  • Payment

4.8.8 Crypto Payment Card issuance

• We provide Virtual Asset Services only for a limited list of supported Virtual Assets as per our arrangements with the relevant Third-party Providers. Subject to any legal, regulatory, technical, or reputational considerations, wemay change the list of supported Virtual The Third-Party Provider, through whom you access the Services on the Platform, may provide or enable support for additional Virtual Assets if the Third-Party Provider is authorized to do so under applicable law; however, we are not bound by our Third-Party Provider’ product offering and do notassume any liability to that effect.
• By using the Third-Party Services, you acknowledge that Third-Party Services are provided or made available by Third-Party Service Providers, and the Third-Party Terms may apply to such services. You are required to read, acknowledge, accept, and comply with the Third-Party Terms, failure to do so may result in suspension or termination of providing the Services and Third-Party Services to
• In the normal course of providing our Virtual Asset Services, it may become necessary or advantageous for MM Bitinvest OU to engage third parties to carry out certain administrative or ancillary tasks. Our decision to involve third parties is driven by our commitment to enhance the service experience and efficiency for our users.

While MM Bitinvest OU is dedicated to selecting third-party service providers with a demonstrated track record of reliability and expertise, it is important for our users to understand that MM Bitinvest OU's role is primarily that of facilitation and oversight. As such, we do not assume direct liability for the defaults, acts, or omissions of these third parties.
We ensure a responsible approach to third-party collaborations through:

• A selective engagement process focusing on the expertise and reliability of third parties.
• Establishing clear expectations and guidelines for performance and compliance to ensure alignment with our service standards.

It is our policy to monitor the performance and compliance of third-party service providers to ensure that their contributions positively impact the services we provide. However, the direct legal and operational responsibilities between these third parties and our users are governed by their own terms and agreements.

Our users' trust and satisfaction are paramount. Should any issues arise from the involvement of third parties, MM Bitinvest OU commits to acting as a mediator to facilitate a resolution, leveraging our relationships and agreements with these providers.

This approach allows us to extend the range and quality of our services while maintaining a clear and responsible stance on our role and the extent of our liabilities.

5. CLIENT OBLIGATIONS
   • When using the NEO Dash and/or NEO ONE Services, You must comply with the applicable laws. You mustnot:
     • attack Our network security, in particular by uploading or attaching files that are infected with viruses or other harmful components capable of impairing the operation of another user's device;
     • impair or in any way attempt to impair other users' access to or use of the Website or the Services (e.g., by generating, whether manually or by automated means, an unusually high number of accesses);
     • harvest or otherwise collect information about users, including email addresses, without their consent;
     • post false, inaccurate, misleading, defamatory, unlawful, harassing, libellous, privacy-invading, abusive,threatening, harmful, vulgar, obscene, or otherwise objectionable content on Our Website or through/on OurServices or commercialize any Our services, application, or any information or software associated with them;
     • use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display,license, sell or otherwise exploit for any purpose any content of the Website not owned by you in a way thatviolates someone else’s (including Ours) rights;
     • commercialize any Our Services, application, or any information or software associated with
   • We reserve the right to settle any damages caused due to the breach of these Terms from the funds stored inYour

6. LINKS TO OTHER WEBSITES
   • The Platform may contain links to third-party (including, but not limited to, Collaboration Partner) websites or services that are not owned or controlled by Us. These links are provided solely as a convenience to
   • We have no control over, and We assume no responsibility for, the information, content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that We shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connectionwith use of or reliance on any such information, content, goods or services available on or through any such websitesor
   • We do not assume any liability for the content of any referenced or linked off-site page and are not liable for that content. The risk of injury rests entirely with You. Links from the Platform to other websites do not constitute anendorsement, a recommendation or an approval from It is your responsibility to evaluate the content and usefulness of information obtained from other websites.

7. DISCLAIMER
   • There is a risk that We may be temporarily or permanently not able to provide access to the Platform and thusalso to the The Platform is provided “as is” and “as available”. We and our Collaboration Partner’s, expressly disclaim all representations or warranties of any kind, whether express, implied, statutory or otherwise about the Platform and Services, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose, non- infringement or course of performance.
   • NEO Dash and/or NEO ONE strive to ensure the Platform operates with a high standard of reliability and security. We acknowledge that (i) the Platform may experience interruptions and may not be available at all times or locations; (ii) we are committed to promptly addressing errors or defects, though immediate resolution cannot be guaranteed for every instance; (iii) the Platform is designed to be free from viruses and other harmful components, with robust security measures in place to protect our users; however, we recognize the evolving nature of digital threats and remain vigilant in our efforts to safeguard against them; (iv) while we take extensive measures to secure all content and data, including your data, absolute security cannot be assured; (v) we cannot guarantee the accuracy or reliability of results obtained from using the Services, nor that such results will meet your specific requirements or expectations. MM Bitinvest OU is dedicated to actively managing and mitigating the risks associated with the use of digital services, committing to enhance security and user protection without assuming undue liability beyond what is reasonably within our control and legal scope.

8. RISK DISCLOSURE
   • By accessing or utilizing the NEO Dash and/or NEO ONE Services, you acknowledge that you are engaging voluntarily in transactions that involve sophisticated digital assets, which are inherently risky. You recognize the various risks associated with using these Services and engaging in cryptocurrency transactions. These risks include, but are not limited to, the potential for financial loss, technological issues (not limited to blockchain technology flaws), and the possibility of security breaches.

While NEO Dash and/or NEO ONE commits to implementing advanced security measures and maintaining our systems to the highest standards possible, it is important for you to understand that some risks in the digital asset environment are unavoidable. Technical difficulties, such as problems with depositing or trading cryptocurrencies, may occur and could require an extended period to resolve. We emphasize that some issues might not be resolvable.

By accepting these Terms, you acknowledge that you are aware of these risks. It is crucial to note that NEO Dash and/or NEO ONE's role is to facilitate transactions on the Platform, and while we strive to ensure the security and functionality of our services, we do not assume liability for the intrinsic risks of cryptocurrency transactions. You, as the user, assume full responsibility for understanding and accepting the risks associated with digital asset transactions, including any technological or security risks.

This acknowledgment does not diminish the responsibility of NEO Dash and/or NEO ONE to exercise reasonable care in providing its services. However, it is clarified that NEO Dash and/or NEO ONE, while facilitating transactions involving digital assets through its platform, does not bear liability for losses arising directly from the inherent risks of digital asset transactions that are beyond our control.

9. LIABILITY
   • In no event shall NEO Dash and/or NEO ONE, its Board Members, Employees, Collaboration Partner’s orentities of the NEO Dash’s group, be liable for any indirect, incidental, special, consequential or

punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Platform; (ii) any conduct, content of any third party on the Platform; (iii) any content obtained from the Platform; and (iv) unauthorized access, use or alteration of your transmissions, content, whether based on warranty, contract, tort (including negligence) or (v) any other legal theory, whether or not We have been informed of the possibility of such damage, and even if aremedy set forth herein is found to have failed of its essential purpose.

• We endeavor to ensure but cannot guarantee essentially uninterrupted availability of the Platform and the Services and error-free transmissions. Access to the Platform or the Services may also be suspended or restrictedfrom time to time to allow for repairs and maintenance or the introduction of new services or 9.3. We are notliable for any damages or impairments which are the result of an improper or incorrect use of our Services by You.

10. INDEMNIFICATION
    • You agree to fully compensate Us for any and all claims, civil responsibilities, damages, expenses and costs (including the costs of our necessary legal defense, e.g. court and lawyer fees), as well as You allow Us to make any deduction from your Account, caused by or arising from your use of the Services, your violation of theseTerms or your infringement, or infringement by any other person of your account (including, but not limited to, exploitation of the Platform’s software error/glitch).

11. CANCELING YOUR ACCOUNT
    • You may cancel your Account at any time. If you do not use your Account for an extended period and reman inactive, We reserve the right to cancel your Account and Account information stored in the Services may be made To cancel your account email [email protected] with your primary email address or click on the account closure button from your profile and make sure all your funds have been withdrawn to the account that only belongs to You.
    • In case there is crypto currency balance that is too small to be withdrawn (crypto dust) You hereby waive the ownership or any current or future claims to Your remaining account balance and agree that this amount becomesthe crypto dust

12. ACCOUNT SUSPENSION AND CLOSURE
    • We may, in Our sole and absolute discretion, without liability to You or any third party, refuse to let You open an Account, suspend your Account, consolidate Accounts if You have more than one or terminate your Account or your use of one or more of the Services. Such actions may be taken as a result of one or more of a number of factors, including without limitation account inactivity, failure to respond to customer support requests, failure to provide positive identification, a court order, illegal/fraudulent activities or your violation of the Terms. We may also temporarily suspend access to your Account in the event that a technical problem causes a system outage orAccount errors until the problem is We are entitled to take all and any of the aforementioned actions in regards to your Account for compliance reasons without the need for providing You with more detailed explanationthereof than just “for compliance reasons” in order to prevent the tipping-off risk.

• We will determine, in Our sole discretion, whether there has been a breach of these Terms through your use ofthe When such a breach has occurred, We may take such action as We deem appropriate, including all orany of the following actions:
  • immediate, temporary or permanent withdrawal of your right to use the Platform and Services;
  • issue of a warning to You;
  • legal proceedings against You for reimbursement of all costs resulting from the breach;
  • further legal action against You; and/or
  • disclosure of such information to law enforcement authorities as We reasonably feel is
• The responses described above are not limited and We may take any other action We reasonably deem
• We reserve the right to restrict or refuse to permit withdrawals from your Account if (i) your Account has otherwise been suspended or closed by Us in accordance with these Terms; (ii) to do so would be prohibited by law or a court order or We have determined that the assets were obtained fraudulently; or (iii) You have not undergone the required identity verification procedure such that your identity has been verified, as indicated by your
• Fees paid for upgrade of tier levels or any other fees paid when using our Services are not refundable nor will be returned to you if your Account is closed or suspended whether on your initiative or for any other reason by
• You acknowledge and agree that closure of your Account may incur additional
• In the event that You or We terminate your access to the Services, or deactivate or cancel your Account, You remain liable for all activity conducted with or in connection with your Account while it was open and for all amounts
• We reserve the right to maintain your account registration and trading information, after You close your Account, for business and regulatory compliance purposes, for a period no less than 5 years, subject to applicablelaws and

13. GENERAL PROVISIONS & APPLICABLE LAW
    • You acknowledge that we reserve the right to assign, sub-license, or otherwise transfer any of our rights and/or obligations under these Terms to any third party at any time. It is our commitment to ensure that any such transfer will be conducted in a manner that respects the continuity and quality of the service provided to you and upholds your rights under these Terms.

In the event of an assignment, sub-license, or transfer, we will provide you with adequate notice to inform you of any changes that may affect your access to and use of the Services. Your rights as outlined in these Terms, including but not limited to privacy, data protection, and access to services, will be maintained and respected throughout the process. We understand the importance of transparency and the value of your trust in our services. As such, we pledge to uphold the highest standards of service and respect for your rights, ensuring that any changes in the assignment, sub-licensing, or transfer of obligations are communicated clearly and effectively to you.

• We understand the importance of transparency and the value of your trust in our services. As such, we pledge to uphold the highest standards of service and respect for your rights, ensuring that any changes in the assignment, sub-licensing, or transfer of obligations are communicated clearly and effectively to you. We will have no liability to You for any failure or delay in performing any of Our obligations under these Terms to the extent that such failure or delay is caused or contributed to by You or by an event or circumstance beyond Our reasonable
• These Terms (together with the Client registration form on the Website and/or App and Our Privacy Policy) contain the entire agreement and understanding of the Parties relating to the subject matter of the agreementbetween us and supersedes all prior agreements, understandings or arrangements (both oral and written) relating tothe
• If any provision of these Terms is found to be invalid for any reason, the invalidity of that provision will not affect the remaining provisions of these Terms, which will remain in full force and effect. You agree to mutually replace the respective provision by a new legal, valid and enforceable provision which comes closely to the intent and economic effect of the invalid This also applies in case of contractual gaps .
• Failure by either You or Us to exercise any right or remedy under these Terms does not constitute a waiverof that right or
• Any dispute, controversy, or claim arising out of or in connection with Our Services, or the breach, termination, or invalidity thereof, shall be settled in accordance with the laws of Estonia. To provide clarity and ensure a more streamlined dispute resolution process for our users, Estonia has been selected as the sole jurisdiction for the resolution of disputes related to these Terms & Conditions and the use of Our Services. This decision reflects our aim to align with the legal framework most relevant to our users within the European Economic Area (EEA). In the event of a dispute, users are encouraged to contact us directly to seek a resolution before proceeding to legal action. Should a dispute require legal intervention, proceedings shall be brought exclusively in the competent courts of Estonia, which shall have exclusive jurisdiction over such disputes.

14. CONTACT US
    • Any Client who is dissatisfied with Our Services, has found a deficiency, or identified dishonesty, should contact Our customer services team via Our email [email protected], [email protected], orticketing service available from your Account under the section NEO HELP ([email protected], [email protected]). All requests will be processed according to the cue and processed within 24-48 hoursduring business
    • The Customer Support service is available from Monday to Saturday 9am - 5pm (GMT+1) for any questionsYou may
    • We will do Our best to resolve your request as soon as possible, but this may not always be
    • We will keep You updated on the progress of handling your complaint and reply to your reasonableinformation requests made in this regard by You without any undue
    • We will keep You updated on the progress of handling your complaint and reply to your reasonableinformation requests made in this regard by You without any undue

15. MODIFICATIONS
    • We reserve the right, at Our sole discretion to modify, restrict, refuse, move, remove, disable or discontinue, entirely or in part, at any time and without prior notice, these Terms, the Services and content, including Client content, on the Platform. In all such cases, We will take account of the Clients'
    • We will inform Our Clients on all material amendments to these Terms by publishing the updated version ofthese Terms on the .
    • You consent to these Terms anew each time You use the Platform and are bound by them as currentlypublished on the Website at the time of each

16. PRIVACY POLICY
    • We care about your data protection, its security and Please see Our Privacy Policy to find information on how We will process your personal data when You visit or use Our Website or contact Us.

16.2 For Third Party services, we process the customer’s data upon the instructions of Third Party services providers and the card issuer. We act as a data processor, but upon processing any additional customer’s data, weact as a data controller.

Third party provider

Virtual asset services provided by Striga Technology OÜ (registry code: 16298772), address: Sepapaja 6,Tallinn, Estonia, in accordance with its terms and conditions pag. 13 of these T&C.

Crypto Card is issued and related payment services are provided by Wallester AS (registry code: 11812881), address F.R. Kreutzwaldi 4, 10120 Tallinn, Estonia, in accordance with its terms and conditions pag. 37 ofthese T&C.