1.1 Introduction
Cadmos LTD, also referred to as "CADMOS," "we," "us," or "our," is a company established under the laws of Cyprus (The Companies Law, CAP. 113, Section 15(1)). These Terms of Service (the "Terms") govern access to and use of the cadmospay.com website (the "Website"), the Cadmos Pay mobile and watch applications (the "App"), and any related features we provide (collectively, the "Service"). "You" and "User" mean the person or organisation using the Service.

These Terms form a legally binding agreement between you and CADMOS. The App is available for supported Android, iPhone (iOS), and Apple Watch (watchOS) devices through the official Google Play Store or Apple App Store. You must not download or use an unauthorised copy of the App. Any application programming interface we make available is also part of the Service and may be subject to additional terms.

The Terms limit our liability and impose obligations on you.

By using the Service, you represent and warrant that you are at least 18 years old and are not prohibited from using it under applicable law.

If you use the Service on behalf of an organisation, you represent that you have authority to bind that organisation. In that case, these Terms apply to both you and the organisation.

These Terms should be read together with our Privacy Policy, which explains how we process personal data.

1.1.1 Ownership
Cadmos Pay and Cadmos Finance are wholly owned and operated by Cadmos LTD (Cyprus, registration ΗΕ 457316), founded in 2021 and headquartered in Limassol, Cyprus.

1.2 Privacy
We process personal data as described in our Privacy Policy and in accordance with applicable data-protection law. You must ensure that information you provide to us is accurate, complete, and current.

1.3 Amendments
We may amend these Terms from time to time. We will post the revised Terms on the Website and update the "Last modified" date. Where required by applicable law, or where a change materially affects your rights or obligations, we will provide reasonable advance notice by email or through the Service.

Your continued use of the Service after revised Terms take effect constitutes acceptance of the revised Terms, except where applicable law requires another form of consent.

If you do not agree with a revision, you must stop using the Service. Because your wallet is self-custodial, stopping use of the Service does not transfer ownership or control of your Digital Assets to CADMOS.

1.4 About the Website
The Website provides information about CADMOS and the App. The App is a self-custodial software interface that enables users to manage Digital Assets and interact with independent third-party services. Information made available through the Website or App is for general information only and is not financial, investment, legal, or tax advice.

Before making a financial, legal, tax, technical, or other decision, you should obtain independent advice from an appropriately qualified professional.

1.5 About the Cadmos Pay App
The App provides self-custodial wallet functionality for supported cryptocurrencies and other blockchain-based assets, including USD Coin (collectively, "Digital Assets" and each a "Digital Asset"). It may also provide access to services offered by independent third parties through which you may purchase, sell, exchange, or otherwise use Digital Assets. We may add or remove support for a Digital Asset or third-party integration. These Terms apply to all supported Digital Assets and features.

1.5.1 Custody and ownership of digital assets
You are solely responsible for the custody and control of your Digital Assets and for safeguarding your wallet credentials, private keys, recovery phrase, and any other recovery information.

CADMOS provides software that enables you to access and use a self-custodial wallet. CADMOS does not receive, hold, safeguard, or acquire title to your Digital Assets or fiat funds. CADMOS cannot initiate, sign, approve, block, freeze, reverse, recover, or redirect a transaction on your behalf.

You retain control and ownership of your Digital Assets at all times. You acknowledge the risks inherent in self-custody, including permanent loss if you lose access to your wallet credentials or authorise an incorrect or fraudulent transaction. To the extent permitted by law, CADMOS is not responsible for loss caused by your failure to protect your wallet or recovery information.

1.5.2 What CADMOS is not
You acknowledge and agree that:

• CADMOS is never the buyer, seller, exchange, broker, dealer, market maker, payment institution, or other counterparty to a transaction you access through the Service;
• CADMOS does not possess, custody, or control your Digital Assets or fiat funds;
• CADMOS does not execute or settle transactions as principal or agent for you; and
• any purchase, sale, exchange, payment, or other third-party service is provided by the identified third party under its own terms.

The App may prepare or transmit a transaction at your direction, but only you can authorise it using your self-custodial wallet. CADMOS is not your intermediary, agent, adviser, custodian, or fiduciary and does not have a fiduciary duty to you in connection with your decisions or transactions.

2.1 CADMOS self-custody wallet and third-party providers
The App may use third-party infrastructure to provide wallet functionality, but the wallet remains self-custodial. Digital Assets are recorded on the relevant blockchain and remain under your control. CADMOS does not hold or manage them and does not have unilateral access to your private keys or recovery information. A transfer is made directly between blockchain addresses and not to or through an account controlled by CADMOS.

2.2 Transfers to and from external wallets
You may direct a transfer of Digital Assets between your self-custodial wallet and an external blockchain address. CADMOS cannot verify who owns or controls an external address.

You must only transfer Digital Assets to an address that you are legally permitted to use and must comply with any ownership or control requirements disclosed by an applicable third-party provider. CADMOS cannot retrieve or reverse a completed blockchain transaction.

You are responsible for verifying the destination address, blockchain network, Digital Asset, amount, and any required memo or reference before authorising a transaction. An error may result in permanent loss. To the extent permitted by law, CADMOS is not responsible for a transaction that you authorise using incorrect details.

Confirmation and delivery times depend on the relevant blockchain network and, where applicable, an independent third-party provider. There is no CADMOS custodial processing period. You remain responsible for access to and control of your wallet, private keys, and recovery information.

3.1 Account Creation
To create a Service account, you must provide the personal data described in our Privacy Policy, which may include your name, contact details, identification documents, bank information, and email address.

You must initiate and authorise every wallet transaction yourself. If you create an account for an organisation or business, we may also require:

• incorporation and constitutional documents;
• information about directors, authorised representatives, and beneficial owners;
• identity documents, facial images, and proof-of-liveness checks; and
• bank statements or other source-of-funds information.

We may request further information where reasonably necessary for identity verification, fraud prevention, sanctions screening, or compliance with applicable law.

We may use third-party identity-verification services as described in our Privacy Policy. We or a provider acting on our behalf may contact you to validate information. Where permitted by law and after providing any required notice, calls may be recorded for verification, quality, and security purposes.

When applying, you must confirm that you are authorised to do so, identify where any represented business is established, and confirm that you and its relevant owners and representatives are not prohibited from using the Service under applicable sanctions law. Once approved, you receive a personal, limited, non-exclusive, non-transferable, and revocable licence to use the App. You may not use an account for another person or hold yourself out as acting through CADMOS for another person. Unless we approve otherwise in writing, you may maintain only one account. You must promptly provide reasonably requested information and documents; failure to do so may result in restricted access to the Service, but does not give CADMOS control over your self-custodial wallet or Digital Assets.

3.2 Account Protection
You must protect your Service account, devices, wallet credentials, private keys, recovery information, email account, and phone number against unauthorised access. Anyone with access to the required credentials may be able to authorise irreversible transactions from your self-custodial wallet.

You are responsible for keeping access to your registered email account and other authentication methods confidential and must not share authentication codes or recovery information with anyone.

We may recommend security practices. You should follow them and promptly install security updates made available for the App and your device.

We may also use your phone number or email for two-factor authentication and password reset purposes. When registering your phone number, ensure that it is registered under your own name and matches the name on your account. You guarantee that you are the only person with access to your email account and the ability to receive SMS and other text messages on the registered mobile phone number.

By signing up, you request and consent to receive one-time passcode (OTP) messages for authentication and verification at the phone number or email address you provide. We may keep evidence of that request, including its timestamp, and disclose it to our communications and verification providers or to authorities where required by law.

You are responsible for activity performed using your credentials, except to the extent caused by CADMOS or where applicable law provides otherwise. CADMOS may treat a request authenticated through your Service account as having been submitted by you. However, CADMOS does not take custody of assets, sign wallet transactions for you, or execute a purchase, sale, exchange, withdrawal, or transfer as your agent or counterparty. You must separately authorise any wallet transaction or accept the terms of the relevant third-party provider.

Notify us immediately at info@cadmos.finance if you suspect unauthorised access. You must also keep your postal or residential address, email address, and telephone number current.

3.3 Granting Permission to Your Carrier
You grant permission to your cellular service provider to reveal to CADMOS and its third-party service providers your mobile phone number, name, address, email, network status, type of customer, customer role, billing type, mobile device identifier information (IMSI and IMEI), and any other subscriber status and device details that may be available. The information will be used solely for the purpose of verifying your identity and preventing fraudulent activities during the time that you have a relationship with us.

Carriers are not liable for delayed or undelivered messages.

Please see our Privacy Policy for information on how we collect, store, and use your data.

3.4 Third-party fiat services
The Service may provide access to independent on-ramp, off-ramp, payment, or banking providers. If you use one of these providers, you contract directly with it under its own terms. CADMOS does not open or maintain a fiat account for you and does not accept deposits, receive, hold, safeguard, lend, or control your fiat funds.

The relevant provider determines available payment methods, fees, limits, verification requirements, processing times, refunds, and whether it will accept or complete a transaction. A reference in the App to a deposit, withdrawal, balance, purchase, or sale offered by such a provider does not mean that CADMOS holds the funds or acts as a financial institution or transaction counterparty.

You may not use a bank account or payment method belonging to another person or conduct a transaction on another person's behalf. CADMOS or the third-party provider may request source-of-funds information and may restrict access to the relevant integration if required information is not provided. CADMOS does not pay or retain interest on your funds because no funds are deposited with CADMOS.

3.5 Purchasing and selling through third-party providers
CADMOS is never the buyer, seller, exchange, broker, dealer, market maker, or other counterparty to a purchase, sale, or exchange. Any quote, order routing, liquidity, execution, settlement, or payment service is supplied by an identified independent third-party provider under its own terms. You alone decide whether to enter into a transaction and must authorise it.

Once a third-party provider or blockchain network executes a transaction, it may be irreversible and non-refundable. CADMOS cannot cancel, retrieve, or reverse it.

A third-party provider may delay or reject a transaction because of liquidity, market conditions, compliance checks, technical availability, or other restrictions. A quoted price may change before execution, particularly during periods of volatility. The provider, and not CADMOS, is responsible for its quote, execution, and settlement obligations.

4.1 Fees
We may charge fees for some parts of the Service. We will disclose any fee charged by CADMOS before you use the relevant feature. An independent third-party provider may charge separate fees under its own terms. We may change our fees prospectively by providing reasonable notice through the Website or Service.

4.2 Taxes
Transactions involving Digital Assets may result in taxable gains, losses, income, or reporting obligations. You are responsible for determining and meeting your tax obligations and should obtain independent professional tax advice.

The Service may include informational tools that estimate gains or losses. You are responsible for verifying their accuracy. We do not guarantee that a calculation or report is complete, accurate, or suitable for filing with a tax authority.

4.3 No advice
CADMOS does not accept purchases or sales from you, recommend a transaction, assess its suitability, or act as your adviser or fiduciary. CADMOS does not take account of your financial circumstances, experience, objectives, or risk tolerance. Information available through the Service is not financial, investment, legal, or tax advice. You are solely responsible for your decisions.

4.4 Your Responsibilities and Assumption of Risk
4.4.1 Your Responsibilities
You use the Service and self-custodial wallet at your own risk. To the maximum extent permitted by applicable law, the Website, App, and related features are provided "as is" and "as available," without express, implied, or statutory warranties.

To the maximum extent permitted by applicable law, CADMOS disclaims implied warranties of title, merchantability, satisfactory quality, fitness for a particular purpose, and non-infringement.

CADMOS does not guarantee that the Service, a blockchain network, or a third-party integration will be uninterrupted, timely, secure, or error-free.

A Service interruption may prevent temporary access through the App. It does not give CADMOS custody or control of your Digital Assets.

You are solely responsible for securely backing up and protecting your private keys, recovery phrase, and other recovery information. CADMOS does not keep a recoverable copy and cannot restore access to your wallet. Losing that information may permanently prevent access to your Digital Assets.

4.4.2 Your Assumption of Risk
To the maximum extent permitted by applicable law, CADMOS and its affiliates are not liable for indirect, incidental, special, intangible, exemplary, punitive, or consequential loss, loss of profits, or loss arising from compromised credentials, loss of recovery information, user error, an incorrectly authorised transaction, a blockchain network, or an independent third-party service, even if CADMOS knew that the loss was possible.

CADMOS makes no representation about the suitability, legality, availability, pricing, privacy, security, or performance of an independent third-party service, decentralised application, website, provider, or Digital Asset. You assume the risks of using them and must direct claims concerning their services to the relevant third party.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, wilful misconduct, or death or personal injury caused by negligence where applicable. Subject to the preceding sentence, CADMOS's total aggregate liability arising out of or relating to the Service or these Terms will not exceed one hundred U.S. dollars (USD 100) or the equivalent in your local currency, to the extent such a limit is permitted by applicable law.

4.5 Proprietary Rights
The Website, App, and their components include proprietary material owned by CADMOS or its licensors, as well as open-source, licensed, and public-domain material. Open-source and third-party material remains subject to its applicable licence terms, which prevail over these Terms for that material.

Subject to those third-party rights and licences, the Service and CADMOS content are protected by copyright, trademark, and other laws. CADMOS and its licensors retain all rights, title, and interest in the Service. You may not use CADMOS trademarks, trade names, or logos without prior written permission.

Except as expressly permitted by applicable law or an applicable open-source licence, you must not reproduce, modify, prepare derivative works from, distribute, sell access to, or retransmit the Service or CADMOS content without our prior written permission.

4.6 Feedback
The Service does not host user-generated content. If you voluntarily send us an idea, suggestion, or other feedback, you grant CADMOS a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, transferable, and sublicensable licence to use and adapt that feedback for any lawful purpose without compensation or attribution. This licence does not override rights you may have in personal data, which we process under our Privacy Policy. You must not send feedback that you do not have the right to disclose or that contains another person's confidential information.

4.7 Copyright Notice
If you believe that material made available by CADMOS through the Website or App infringes your copyright, email info@cadmos.finance. Identify the protected work, the allegedly infringing material and its location, your contact details, and the basis for your claim. Because the Service does not host user-generated content, this process concerns material published by or on behalf of CADMOS.

4.8 Linked Sites
The Service may link to or interoperate with websites, applications, decentralised applications, or providers not owned or controlled by CADMOS ("Third-Party Services"). A link or integration is not an endorsement. CADMOS is not responsible for Third-Party Services or their content, terms, availability, acts, or omissions. You access and use them at your own risk.

4.9 Severability
If any provision of these Terms is held unlawful, void, or unenforceable, it will be enforced to the maximum extent permitted and otherwise severed. The remaining provisions remain effective.

4.10 Ending Your Account
You may stop using the Service at any time and may ask us at info@cadmos.finance to close your Service account. We may suspend or terminate access where reasonably necessary for security, fraud prevention, compliance with law, a material breach of these Terms, or discontinuation of the Service. Where reasonably possible and lawful, we will provide notice.

Suspension or termination affects access to the Service and its integrations only. CADMOS cannot freeze, seize, move, transfer, or release Digital Assets from your self-custodial wallet. Before ceasing use, you are responsible for securely retaining the recovery information required to access your wallet independently or through compatible software. We cannot recover that information for you.

Provisions which by their nature should survive termination remain effective, including ownership, disclaimers, limitations of liability, indemnification, and dispute provisions.

4.11 Assignment of Agreement
You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, reorganisation, sale of all or substantially all relevant assets, or transfer of the Service, provided that the assignment does not reduce any mandatory rights you have under applicable law.

4.12 Death of Account Holder
Because the wallet is self-custodial, CADMOS cannot access or release Digital Assets following your death or incapacity and cannot provide your private keys or recovery information to an estate representative. You are responsible for making lawful arrangements for access to your self-custodial wallet. We may update or close the associated Service account after receiving documents reasonably sufficient to establish the authority of an estate representative, but doing so does not give us control of the wallet or its assets.

4.13 Right to Obtain Injunction
A breach involving misuse of the Service, confidential information, security, or intellectual-property rights may cause irreparable harm. Either party may seek interim or injunctive relief from a competent court where available under applicable law.

4.14 Waiver
A failure or delay in enforcing a provision is not a waiver. A waiver is effective only if made in writing and applies only to the specific instance for which it is given.

4.15 Other Terms and Agreements
You may need to accept separate terms from Third-Party Services, including wallet-infrastructure, identity-verification, payment, on-ramp, off-ramp, liquidity, exchange, banking, or decentralised-application providers. Those terms govern the third party's services and do not make CADMOS a party to your transaction with that provider.

New versions, supported Digital Assets, integrations, and related features are subject to these Terms unless additional terms are presented to you.

4.15.1 Apple App Store
If you obtained the App through Apple's App Store, you acknowledge that these Terms are between you and CADMOS, not Apple, and that CADMOS is solely responsible for the App and its content. Your licence is limited to a non-transferable right to use the App on Apple-branded products that you own or control, as permitted by the applicable Apple usage rules, including any permitted Family Sharing or volume-purchase use.

Apple has no obligation to provide maintenance or support for the App. If the App fails to conform to an applicable warranty, you may notify Apple and Apple may refund any purchase price paid for the App; to the maximum extent permitted by law, Apple has no other warranty obligation. CADMOS, not Apple, is responsible for addressing claims concerning the App, including product-liability, legal or regulatory, consumer-protection, privacy, and intellectual-property claims. You represent that you are not located in a country subject to a United States government embargo or designated as supporting terrorism and are not listed on a United States government prohibited- or restricted-party list. You must comply with applicable third-party terms when using the App. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce this section after you accept the Terms.

4.15.2 Google Play
If you obtained the App through Google Play, you acknowledge that these Terms are between you and CADMOS, not Google. CADMOS is solely responsible for the App and its content, maintenance, support, and any claims under these Terms. Your use of Google Play remains subject to the applicable Google Play terms. Google has no responsibility or liability under these Terms.

4.16 Indemnification
To the extent permitted by applicable law, you will indemnify and hold harmless CADMOS, its affiliates, and their officers, directors, employees, and agents from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful use of the Service, your material breach of these Terms, your infringement of a third party's rights, or your fraud or wilful misconduct. This obligation does not apply to the extent a claim was caused by CADMOS. We will give you prompt notice of a covered claim, allow you reasonable control of its defence, and provide reasonable cooperation at your expense. You may not settle a claim in a manner that admits fault by or imposes a non-monetary obligation on CADMOS without our written consent. Nothing in this section limits rights that cannot be waived under applicable consumer law.

4.17 Governing Law and Disputes
These Terms and any non-contractual obligations arising out of or relating to them are governed by French law, without regard to conflict-of-laws rules. If you are a consumer, this choice does not deprive you of mandatory protections provided by the law that would apply in the absence of this choice.

Before starting court proceedings, a party should send a written description of the dispute and requested resolution to the other party. Notices to CADMOS must be sent to info@cadmos.finance. The parties will attempt in good faith to resolve the dispute for 30 days after receipt of the notice. This does not prevent either party from seeking urgent interim relief or suspend a mandatory limitation period.

Subject to mandatory consumer-protection and jurisdiction rules, the courts of Paris, France have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service. If you are a consumer, you may bring proceedings in any other court available to you under mandatory applicable law, including, where applicable, the courts of your place of residence. CADMOS will bring proceedings against a consumer only in a court permitted by mandatory applicable law.

5.1 Combatting hate, harassment, and discrimination
CADMOS is committed to a positive, supportive, and respectful environment for employees, users, and partners. This Community Policy applies to communications with CADMOS and its personnel, including by email, social media, electronic message, print, and voice. We treat users professionally, fairly, and respectfully and expect the same treatment of our personnel. We have zero tolerance for discriminatory, harassing, threatening, or abusive conduct.

You must comply with this Community Policy and must not help or encourage another person to circumvent it.

5.1.1 Definitions
CADMOS prohibits discrimination, harassment, and sexual harassment. For this Community Policy:

• Discrimination means unlawful differential treatment based on a protected characteristic under applicable law.
• Harassment means unwanted conduct that has the purpose or effect of violating a person's dignity or creating an intimidating, hostile, degrading, humiliating, or offensive environment.
• Sexual harassment means unwanted verbal, non-verbal, or physical conduct of a sexual nature, or conduct related to sex or gender, that has such a purpose or effect.

5.1.2 Improper Conduct
Prohibited conduct includes:

• discriminatory remarks or conduct;
• publishing an employee's personal information without a lawful basis;
• hostile, defamatory, humiliating, intimidating, violent, threatening, or abusive language or conduct;
• sexually explicit or sexually harassing language or conduct; and
• repeated or unreasonable demands intended to disrupt or burden our personnel.

Our personnel are available to assist users but are not required to tolerate abusive conduct, whether intentional or not.

You must comply with the following rules when using the Service:

• Use the Service only where your access to it and your intended activity involving Digital Assets are lawful. If use becomes unlawful, stop using the Service and use your recovery information or compatible self-custodial software to manage your wallet independently. CADMOS may restrict Service access where required by applicable sanctions, export-control, or other laws.
• Maintain only one account unless CADMOS approves otherwise in writing. We may restrict duplicate Service accounts based on information processed under our Privacy Policy.
• Do not impersonate another person, use a false identity, or misrepresent your authority to act for an organisation.
• Do not provide false, misleading, incomplete, or inaccurate account, identity-verification, or transaction information.
• Do not use the Service for an unlawful, fraudulent, deceptive, abusive, or rights-infringing purpose.
• Comply with all laws and regulations applicable to your use, including sanctions, anti-money-laundering, tax, and consumer-protection requirements.
• Do not use our communications or support channels to send spam, unauthorised promotions, or unlawful material.
• Do not introduce malware, malicious code, or harmful data into the Service.
• Do not disclose authentication or recovery information, transfer your Service account, or permit another person to use it.
• Do not interfere with the security, integrity, or operation of the Service, including by:
  • hacking or attempting unauthorised access;
  • using bots or scrapers except through an API and in accordance with its terms;
  • bypassing a security or access-control measure;
  • reverse engineering, decompiling, or disassembling except to the extent such restriction is prohibited by applicable law; or
  • overloading, disrupting, or degrading the Service.
• Do not rent, lease, sublicense, sell, resell, or commercially exploit access to the Service.
• Do not use a personal account as a service for third parties or share its benefits with another person.
• Do not infringe CADMOS's or another person's intellectual-property, privacy, confidentiality, or other rights.
• Do not manipulate or attempt to manipulate a market, quote, transaction, blockchain network, or third-party service through the Service.
• Do not use a misleading email address or provide false information in communications with us.

We may revise these Platform Rules in accordance with Section 1.3.

If we reasonably believe that you have violated these Terms, applicable additional terms, law, or a third party's rights, CADMOS may take one or more of the following proportionate actions, subject to applicable law:

• investigate the suspected violation;
• suspend or limit access to the Service or Service account;
• remove an account status or access to an integration; or
• report the matter to a competent authority where permitted or required by law.

Restricting the Service does not give CADMOS custody or control of your self-custodial wallet or Digital Assets. Where reasonably possible and lawful, we will notify you and provide an opportunity to remedy a minor violation. You may ask us to review an action by contacting info@cadmos.finance.