FastXE - Terms & conditions

Effective Date : 01 November 2025

These Terms and Conditions (“Terms”) govern the registration, maintenance, and use of allservices provided by FastXE, Inc. (“FastXE”, “we”, “us”, “our”) including accounts, paymentcards, bank accounts, and crypto asset vaults. By registering for or using our services, you agreeto be bound by these Terms.

1. Definitions

1. 1.1. Profile – A unified customer record maintained by FastXE containing verified personal or business information. Each Profile is linked to one business entity (for KYB Customers) or one individual (for KYC Customers) only.
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   1.2. Account – An electronic money account linked to your Profile for holding and managing fiat and/or digital currency balances.
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   1.3. Card – A prepaid, debit, or other payment card issued by FastXE or its partners, linked to your Profile.
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   1.4. Bank Account – Any deposit account, IBAN, or virtual account provided under FastXE’s EMI framework, linked to your Profile.
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   1.5. Crypto Vault – A secure custody facility for supported cryptocurrencies, linked to your Profile.
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   1.6. KYC – Know Your Customer verification for individuals.
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   1.7. KYB – Know Your Business verification for legal entities, including beneficial ownership checks.
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   1.8. AML/CFT – Anti-Money Laundering and Counter-Terrorism Financing compliance obligations.
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   1.9. Services – Collectively refers to all products and features provided by FastXE, including but not limited to Accounts, Cards, Bank Accounts, Crypto Vaults, and related services.
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   1.10. Customer – Any natural person (for KYC purposes) or legal entity (for KYB purposes) who registers for and uses FastXE Services under a Profile.
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   1.11. Business Day – Any day other than a Saturday, Sunday, or public holiday in the United States on which banking institutions are open for business.
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   1.12. Regulatory Authority – Any governmental, regulatory, or self-regulatory body having jurisdiction over FastXE, its operations, or its Services.
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   1.13. User Credentials – The username, password, PIN, security questions, biometric authentication, and any other form of security credential issued or approved by FastXE to access the Services.
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   1.14. Third-Party Provider – Any external partner, payment processor, technology vendor, or service provider engaged by FastXE in connection with the delivery of Services.
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   1.15. Terms – This Terms and Conditions document, as published and amended from time to time, governing the relationship between FastXE and the Customer.
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   1.16. Privacy Policy – The separate policy document published by FastXE setting out how personal and business data is collected, processed, stored, and shared.

2. Eligibility and Registration

1. 2.1. You must be at least eighteen (18) years of age, of sound mind, and possess the legal capacity to enter into a binding contractual agreement under the laws of your jurisdiction.
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   2.2. All Services shall be registered and maintained under a single unified Profile.
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   2.3. Each Profile shall exclusively correspond to one (1) business entity (subject to KYB requirements) or one (1) individual (subject to KYC requirements), and shall not be used to represent multiple unrelated persons or entities.
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   2.4. Registration is conditional upon the successful completion of the applicable KYC (for individuals) or KYB (for businesses) procedures, together with all required AML/CFT screening, sanctions list checks, and other compliance verifications mandated by applicable law.
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   2.5. FastXE reserves the absolute right, in its sole discretion and without any obligation to provide reasons, to refuse, suspend, or terminate any registration or Profile where necessary to comply with legal or regulatory obligations, mitigate risk, or protect the integrity of the Services.
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   2.6. You are under a continuing obligation to ensure that all information contained in your Profile is true, accurate, complete, and up to date, and to notify us in writing without undue delay of any changes or corrections thereto.

3. Profile and Service Management

1. 3.1. A Customer may, contingent at all times upon the full and successful completion of the applicable Know Your Customer ("KYC") or Know Your Business ("KYB") verification procedures by each individual service provider operating within the FastXE platform, and in strict compliance with all applicable laws, rules, and regulatory requirements, establish, hold, and operate multiple Accounts, Cards, Bank Accounts, and Crypto Vaults under the same unified Profile.
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   3.2. The Profile, and all rights, access credentials, and Services linked thereto, are personal to the Customer and shall not be assigned, licensed, pledged, shared, sold, transferred, or otherwise made available to any third party without the express prior written consent of FastXE, which consent may be withheld at FastXE’s sole discretion.
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   3.3. FastXE reserves the right, at any time and without prior notice, to impose, modify, or remove transaction limits, balance caps, geographic or jurisdictional restrictions, or other operational constraints on the Profile or any linked Service, where such action is deemed necessary to comply with statutory or regulatory requirements, implement risk management measures, address unusual or suspicious activity, or reflect the Customer’s account history and usage patterns.

4. Cards

1. 4.1. Cards shall be issued solely to Customers maintaining an active and fully verified Profile, having satisfied all applicable KYC or KYB obligations and any further conditions imposed by FastXE or its issuing partners.
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   4.2. The Customer assumes full and exclusive responsibility for the safekeeping, confidentiality, and proper use of the Card, any associated personal identification number (PIN), and all related security credentials or authentication factors.
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   4.3. The Customer shall notify FastXE without undue delay, and in any event within twentyfour (24) hours, upon becoming aware that a Card has been lost, stolen, misappropriated, damaged, cloned, or otherwise compromised, and shall provide such information and documentation as FastXE may reasonably require to investigate and mitigate any potential loss or misuse.
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   4.4. The Customer acknowledges that all Card usage shall be governed by, and strictly subject to, the operating rules, terms, and conditions of the applicable payment network (e.g., Visa, Mastercard), the terms of this Agreement, and any supplemental terms issued by FastXE or its partners.
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   4.5. FastXE reserves the right to suspend, restrict, or cancel any Card where it has reasonable grounds to suspect unauthorised, fraudulent, or unlawful activity, or where required to do so by a Regulatory Authority or applicable law.

5. Bank Accounts and Payments

1. 5.1. Bank Accounts shall be established and maintained strictly under the authority of our dulygranted EMI license and in accordance with the contractual arrangements between FastXEand its regulated partner banks, and shall at all times be linked to your unified Profile.
2. 5.2. All deposits, withdrawals, transfers, and other transactions shall be subject to ongoingAML/CFT screening, sanctions list checks, transaction monitoring, and any additionalcompliance procedures mandated by applicable law or required by any RegulatoryAuthority, and may be reported to such authorities as legally obligated.
3. 5.3. You are solely responsible for ensuring that sufficient cleared and available funds exist inthe relevant Account prior to initiating any payment instruction, and acknowledge thatpayment orders may be declined or returned if adequate funds are not available.
4. 5.4. FastXE shall bear no liability for delays, non-execution, or other failures in processing caused by correspondent or intermediary banks, payment network operators, regulatoryPage 3 of 5 holds, system outages, force majeure events, or any other factors beyond our reasonable control.

6. Crypto Vaults

1. 6.1 Crypto Vaults shall be provided exclusively for the custody of digital assets that areexpressly supported by FastXE, as determined and published by FastXE from time to time,and shall be inextricably linked to the Customer’s unified Profile.
2. 6.2 The Customer acknowledges and accepts that the market value of cryptocurrencies andother digital assets is inherently volatile, may fluctuate significantly in short periods, andthat FastXE does not provide, and shall not be deemed to have provided, any investment,financial, or trading advice in relation thereto.
3. 6.3 All withdrawals, transfers, or other dispositions of digital assets from a Crypto Vault may besubject to delays, suspension, or rejection where FastXE, in its sole discretion, determinesthat additional security verification, blockchain network confirmation, or compliance review(including AML/CFT checks) is necessary.
4. 6.4 The Customer bears sole responsibility for implementing and maintaining appropriatesecurity measures in relation to their digital assets and access credentials, and FastXE shallnot be liable for any loss, theft, or compromise of assets arising from external cyberattacks,hacking incidents, phishing schemes, malware, social engineering, or from the Customer’sown negligence, recklessness, or wilful misconduct.
5. 6.5 FastXE further reserves the right, without liability, to freeze or restrict the movement of anydigital assets where required by law, a Regulatory Authority, or pursuant to a lawful courtorder.

7. Compliance And Prohibited Use

1. 7.1. The Customer shall not, whether directly or indirectly, utilise any Service for any unlawfulor impermissible purpose, including but not limited to:
2. 7.1.1. Engaging in, facilitating, or attempting money laundering, terrorism financing,proliferation financing, sanctions evasion, bribery, corruption, fraud, or any otherfinancial crime prohibited under applicable law.
   7.1.2. Conducting or participating in transactions involving goods, services, or activitieswhich are prohibited, restricted, or otherwise unlawful under the laws or regulationsof any jurisdiction having authority over the transaction, the Customer, or FastXE.
   7.1.3. Undertaking any activity which would contravene, or cause FastXE or any of itspartners to contravene, applicable statutes, regulations, directives, or orders of anyRegulatory Authority, including without limitation those relating to AML/CFT,sanctions compliance, consumer protection, data protection, or financial serviceslicensing.
   7.1.4. Utilising the Services in a manner intended to disguise the origin, nature, orownership of funds or assets, or to circumvent lawful reporting, licensing, orregistration requirements.
   7.1.5. Attempting to gain unauthorised access to, interfere with, disrupt, or impair theintegrity or security of any system, network, or data of FastXE or any third party.
3. 7.2. FastXE shall have the right, without prior notice and without liability, to suspend, freeze,restrict, or permanently close the Customer’s Profile and any linked Services if it hasreasonable grounds to suspect, or becomes aware of, any breach of this Clause orengagement in prohibited activity, and may report such matters to the relevant RegulatoryAuthorities.

8. Fees

1. 8.1. All applicable fees, charges, and commissions for the provision and maintenance of theServices shall be published on our official website and expressly linked to your Profile fortransparency and reference purposes.
2. 8.2. Unless otherwise agreed in writing, such fees may be automatically debited from anyAccount balance maintained under your Profile, without the requirement of further noticeor consent, and you hereby expressly authorise such deductions.
3. 8.3. FastXE reserves the right to amend, increase, reduce, or introduce new fees, charges, orcommissions at any time, provided that no less than thirty (30) calendar days’ prior writtennotice is given to the Customer, except where immediate modification is mandated byapplicable law, regulation, or a Regulatory Authority, in which case such changes may takeeffect without prior notice.
4. 8.4. The Customer remains solely responsible for reviewing the applicable fee schedule prior tousing the Services and shall be deemed to have accepted any revised fees by continued useof the Services after the effective date of the change.
5. 8.5. All fees are exclusive of any applicable taxes, duties, or levies, which shall be payable bythe Customer in accordance with applicable law.

9. Security

1. 9.1. You shall be under a continuing and absolute obligation to maintain the confidentiality,integrity, and security of all User Credentials issued to or created by you in connection withthe Services, and to implement robust security measures including, without limitation, theactivation and use of two-factor authentication (2FA) or any other authenticationmechanism as may be required by FastXE from time to time.
2. 9.2. You shall notify FastXE immediately, and in any event no later than twenty-four (24) hours,upon becoming aware of, or having reason to suspect, any actual or attemptedunauthorised access to your Profile, Account, or any linked Service, providing full detailsand cooperating fully with any investigation or remedial measures.
3. 9.3. Except where directly caused by FastXE’s gross negligence, wilful misconduct, or fraud,FastXE shall bear no liability for any loss, damage, or unauthorised transaction arising fromthe compromise, disclosure, theft, or misuse of your User Credentials, including whereresulting from your negligence, recklessness, failure to follow security best practices, orfailure to comply with the security requirements set forth herein.

10. Data Protection

1. 10.1. We shall collect, process, store, and otherwise handle your personal and, where applicable,business data strictly in accordance with applicable data protection and privacy laws,regulations, and our published Privacy Policy, which forms an integral part of these Terms.
2. 10.2. Such processing shall include, without limitation, the collection and verification ofidentification data, contact information, transactional history, and other informationnecessary for the fulfilment of our contractual obligations, the performance of compliancechecks, and the maintenance of the Services.
3. 10.3. We may disclose, transmit, or otherwise make available such data to competent RegulatoryAuthorities, law enforcement agencies, partner banks, payment networks, technologyproviders, and other Third-Party Providers engaged by us, strictly to the extent required byapplicable law, a lawful request, contractual necessity, or for the purpose of fulfilling ourregulatory and operational obligations.
4. 10.4. We shall implement appropriate technical and organisational measures to protect such dataagainst accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, oraccess to, personal and business data transmitted, stored, or otherwise processed. We shallimplement appropriate technical and organisational measures to protect such data againstaccidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to,personal and business data transmitted, stored, or otherwise processed.
5. 10.5. You acknowledge and consent to such processing and sharing as described herein, subjectalways to applicable legal requirements and the terms of our Privacy Policy.

11. Liability

1. 11.1 FastXE shall be liable solely for direct, actual, and quantifiable losses that are conclusivelyproven to have been proximately caused by FastXE’s gross negligence, wilful misconduct,or material breach of these Terms, and only to the extent permitted by applicable law.
2. 11.2. Under no circumstances shall FastXE be liable for any indirect, incidental, special, punitive, exemplary, or consequential losses or damages, including, without limitation, loss of profits, loss of revenue, loss of business, loss of anticipated savings, loss of goodwill, loss of opportunity, or any other economic or non economic loss, whether arising in contract, tortPage 5 of 5 (including negligence), strict liability, or otherwise, even if FastXE has been advised of the possibility of such losses or such losses were reasonably foreseeable.

12. Suspension and Termination

1. 12.1. FastXE reserves the unilateral right, exercisable at its sole discretion and without priornotice, to suspend, restrict, or permanently terminate your Profile and any or all linkedServices under any of the following circumstances:
   
2. 12.1.1. A material or persistent breach by you of these Terms or any other applicableagreement with FastXE
   12.1.2. The existence of reasonable grounds to suspect, or actual knowledge of,fraudulent conduct, illegal activity, regulatory non-compliance, or misuse of the Services.
   12.1.3. A legal or regulatory requirement, order, directive, or request from a competentcourt, Regulatory Authority, or law enforcement agency necessitating such action.
   12.1.4. Where continuation of the Services may, in FastXE’s reasonable opinion, causereputational harm, operational risk, or expose FastXE or its partners to legal liability.
3. 12.2. You may submit a written request for closure of your Profile at any time; however, suchclosure shall be conditional upon the full and final settlement of all outstanding fees,charges, obligations, and liabilities owed to FastXE, and may be subject to any applicableretention, reporting, or record-keeping obligations imposed by law.

13. Dispute Resolution

1. 13.1. All disputes, controversies, or claims arising out of or in connection with these Terms,including any question regarding their existence, validity, interpretation, performance, ortermination, shall in the first instance be addressed and resolved through FastXE’s formalcomplaints handling procedure, which the Customer is required to exhaust prior toinitiating any other form of dispute resolution.
2. 13.2. In the event that the dispute remains unresolved following completion of such complaintsprocess, the matter shall be finally and exclusively resolved by binding arbitrationconducted in accordance with the applicable arbitration laws and rules then in force, beforea single arbitrator mutually agreed upon by the parties, or failing such agreement,appointed in accordance with such rules. The language of arbitration shall be English, theseat and venue of arbitration shall be as determined by FastXE unless otherwise requiredby applicable law, and the arbitral award shall be final and binding on both parties with noright of appeal save as permitted under the governing arbitration legislation.

14. Governing Law

1. 14.1. These Terms, and any dispute, claim, or controversy arising out of or in connection withthem, including questions regarding their formation, validity, interpretation, performance,and termination, shall be governed by, and construed in strict accordance with, thesubstantive laws of the State of Wyoming, United States of America, without regard to itsconflict of laws principles.
2. 14.2. To the fullest extent permitted by applicable law, the parties hereby irrevocably submit tothe exclusive jurisdiction of the courts of the State of Wyoming for the purposes ofenforcing any arbitral award or seeking interim or conservatory measures, unless otherwisemandatorily required by applicable law.