Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between Interscale Financial Technologies Limited ("Interscale," "we," "us," or "our") and you ("User," "you," or "your") governing your access to and use of our website (the "Site"), our platforms, our application programming interfaces ("APIs"), and any related software, content, tools, features, and functionality offered by Interscale (collectively, the "Services").

By accessing, browsing, or using any part of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you are using the Services on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and "you" will refer to that entity.

2. Eligibility and Registration

2.1 General Eligibility

The Services are intended solely for persons who are 18 years of age or older and who possess the legal capacity to enter into binding contracts under applicable law. By using the Services, you represent and warrant that you meet these eligibility requirements.

2.2 Jurisdictional Restrictions

The Services are not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation or would subject Interscale or its affiliates to any registration or licensing requirement within such jurisdiction. It is your responsibility to ensure that your access and use of the Services is legal in your jurisdiction.

PROHIBITED TERRITORIES: You are prohibited from accessing or using the Services if you are located in, or are a citizen, resident, or organized under the laws of, a jurisdiction: (a) where the provision, offering, or use of the Services is illegal or restricted; (b) that is subject to comprehensive economic sanctions or embargoes administered by the United Nations, the European Union, the United Kingdom, Switzerland, or the United States (including, but not limited to, Crimea, Cuba, Iran, North Korea, Russia, and the so-called Donetsk and Luhansk People's Republics); or (c) that Interscale has, at its sole discretion, designated as a prohibited territory.

By accessing the Services, you confirm that you are not located in, under the control of, or a national or resident of any such prohibited territory.

2.3 Account Registration and KYC

Access to certain Services, particularly our platforms, requires registration and the creation of an account ("Account"). You agree to:

• Provide accurate, current, and complete information during registration and at all other times ("Registration Data").
• Maintain and promptly update your Registration Data to keep it accurate, current, and complete.
• Maintain the security and confidentiality of your login credentials and accept all risks of unauthorized access to your Account.
• Notify us immediately at support@interscale.finance if you discover or suspect any unauthorized use of your Account or any other security breach.

As part of our commitment to regulatory compliance and the integrity of our ecosystem, you must undergo and successfully complete our Know-Your-Customer ("KYC"), Know-Your-Business ("KYB"), and Anti-Money Laundering ("AML") verification procedures via our digital identity system. We reserve the right to deny, suspend, limit, or terminate your Account and access to the Services at our sole discretion, with or without notice, if you fail to comply with these requirements or if we are unable to verify your identity or the source of your funds.

3. Description of Services; No Investment Advice

3.1 Nature of Information

All information, data, text, graphics, charts, tools, reports, and other materials provided on or through the Services (collectively, the "Content") is for informational purposes only. The Content is general in nature and is not tailored to your specific circumstances, objectives, or financial situation.

3.2 No Professional Advice

THE CONTENT DOES NOT CONSTITUTE: (A) INVESTMENT ADVICE, FINANCIAL GUIDANCE, OR A RECOMMENDATION OF ANY SECURITY, DIGITAL ASSET, OR INVESTMENT STRATEGY; (B) LEGAL OR TAX COUNSEL; (C) AN OFFER, SOLICITATION, OR ENDORSEMENT TO BUY, SELL, OR HOLD ANY FINANCIAL PRODUCT OR TO UTILIZE ANY SPECIFIC SERVICE.

You are solely responsible for evaluating the merits and risks associated with any decision based on the Content. You should consult with qualified, independent financial, legal, and tax professionals before making any investment or financial decision.

3.3 Forward-Looking Statements

The Services may contain statements, estimates, or projections that constitute "forward-looking statements." These statements involve significant known and unknown risks, uncertainties, and other factors that may cause actual results, performance, or achievements to be materially different. Interscale does not guarantee that any forward-looking statements will be realized.

3.4 No Fiduciary Relationship

Your access to the Services and any communication with Interscale personnel does not create a client, advisory, fiduciary, or professional services relationship between you and Interscale.

4. Use of Platforms and Services

4.1 License Grant

Subject to your compliance with these Terms, Interscale grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for your internal business or personal purposes in accordance with these Terms and any applicable documentation.

4.2 Prohibited Conduct

You agree not to engage in any of the following prohibited activities:

• Violating any applicable law, regulation, or third-party right.
• Using the Services to engage in or facilitate any illegal activity, including fraud, money laundering, terrorist financing, or the evasion of sanctions.
• Interfering with or disrupting the integrity or performance of the Services or the data contained therein.
• Attempting to gain unauthorized access to the Services, other Accounts, or our systems or networks.
• Using any robot, spider, scraper, or other automated means to access the Services for any purpose without our express written permission.
• Reverse engineering, decompiling, or disassembling any aspect of the Services.
• Circumventing any technological measure implemented by Interscale to protect the Services.
• Providing false, inaccurate, or misleading information.
• Engaging in any activity that could damage, disable, overburden, or impair the Services.

5. Intellectual Property Rights

The Services, including all Content, software, technology, designs, trademarks, service marks, and logos contained therein (the "Interscale IP"), are owned by or licensed to Interscale and are protected by copyright, trademark, patent, and other intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Interscale IP, except for the limited access license described in Section 4.1.

You may not use, copy, adapt, modify, distribute, license, sell, transfer, publicly display, transmit, broadcast, or otherwise exploit the Interscale IP except as expressly permitted in these Terms.

6. Third-Party Services and Links

The Services may contain links to third-party websites, services, or resources ("Third-Party Services"). Interscale does not endorse and is not responsible or liable for the content, products, or services of such Third-Party Services. Your use of Third-Party Services is at your own risk and subject to the terms and conditions of those services.

7. Disclaimers of Warranties

THE SERVICES AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, INTERSCALE EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

Interscale does not warrant that the Services will be uninterrupted, secure, error-free, or free from viruses or other harmful components. Interscale does not warrant the accuracy, completeness, reliability, or timeliness of any Content. You assume full responsibility and risk of loss resulting from your use of the Services and Content.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INTERSCALE, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICES OR CONTENT.

IN NO EVENT SHALL THE AGGREGATE LIABILITY OF INTERSCALE AND ITS AFFILIATES ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES EXCEED ONE HUNDRED US DOLLARS (USD $100) OR THE AMOUNT YOU PAID TO INTERSCALE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.

The foregoing limitations of liability will apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Interscale has been advised of the possibility of such damage.

9. Indemnification

You agree to defend, indemnify, and hold harmless Interscale, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of the Services, including, but not limited to, your User Content (as defined below), interactions with other users, and use of any Content; (c) your violation of any applicable law or the rights of any third party; or (d) any activity conducted through your Account.

10. User Content

If you submit, upload, or transmit any data, information, text, files, or other materials through the Services ("User Content"), you retain ownership of any intellectual property rights that you hold in that User Content. By submitting User Content, you grant Interscale a worldwide, perpetual, irrevocable, non-exclusive, royalty-free, fully-paid, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in connection with operating, providing, and improving the Services.

You are solely responsible for your User Content and the consequences of posting or publishing it. You represent and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish the User Content and grant the license above.

11. Termination

Interscale may suspend or terminate your access to and use of the Services, at its sole discretion, at any time and for any reason, with or without notice. Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the substantive laws of Hong Kong, without regard to its conflict of laws principles.

12.2 Arbitration

Any dispute, controversy, or claim arising out of or in connection with these Terms, including the validity, invalidity, breach, or termination thereof, shall be finally settled by arbitration in accordance with the Administered Arbitration Rules of the Hong Kong International Arbitration Centre (HKIAC) in force on the date on which the Notice of Arbitration is submitted.

• The number of arbitrators shall be one (1).
• The seat, or legal place, of arbitration shall be Hong Kong.
• The language to be used in the arbitral proceedings shall be English.
• The arbitral award shall be final and binding on the parties.

YOU AND INTERSCALE HEREBY WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS-ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

13. Modifications to Terms

Interscale reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, as determined solely by Interscale, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use the Services after those revisions become effective, you agree to be bound by the revised Terms.

14. General Provisions

14.1 Entire Agreement

These Terms constitute the entire agreement between you and Interscale regarding the Services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral.

14.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

14.3 No Waiver

Interscale's failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without Interscale's prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. Interscale may freely assign or transfer these Terms without restriction.

14.5 Contact Information

If you have any questions about these Terms, please contact us at: legal@interscale.finance

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By accessing and using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.