1. INTRODUCTORY PROVISIONS

1.1. These General Terms and Conditions (hereinafter referred to as “GTC”) have been prepared and issued by Fintegence, s.r.o., with its registered office at Bottova 2A, Bratislava 811 09, Slovak Republic, ID No.: 47 956 925, registered in the Commercial Register of the District Court Bratislava III, Section: Sro, File No.: 171365/B (hereinafter referred to as the “Provider”).

1.2. The Provider is authorized under Slovak and European legislation to provide the following crypto asset services: (i) custody and management of crypto assets on behalf of clients, (ii) exchange of crypto assets for funds, and (iii) provision of crypto asset transfer services on behalf of clients.

1.3. These GTC set out the terms and conditions applicable to the use of the website https://giftmecrypto.io operated by the Provider with all its content and functions (hereinafter referred to as the “Website”), the provision of services provided by the Provider and specified in more detail in these GTC, and the rights and obligations between users of the Website and the Provider's services and the Provider.

1.4. The Provider provides the following services to clients on the basis of these GTC:

1.4.1. Transfer (as part of the provision of crypto asset transfer services on behalf of clients)

1.4.2. Conversion (as part of the exchange of crypto assets for funds) and

1.4.3. Sale of Gift Me Crypto and related services pursuant to Article 8 (within the exchange of crypto assets for funds) (hereinafter collectively referred to as “Services” and each of them separately also as “Service”).

1.5. The service of providing custody and management of crypto assets on behalf of clients is provided by the Provider on the basis of the general terms and conditions for the provision of crypto asset custody and management services (hereinafter referred to as the “Custody Terms”) published on the Website here: https://giftmecrypto.io. The Custody Terms supplement the GTC and apply in addition to the GTC. In the event of any conflict between the GTC and the Custody Terms, the Custody Terms shall prevail. In matters not covered by the Custody Terms, the GTC shall apply.

2. DEFINITIONS AND INTERPRETATIONS

2.1. Capitalized terms used in these GTC have the following meanings:

2.1.1. AML control means all measures and activities under AML laws and the AML program, which may include, among other things, the identification of the Client and verification of their identity.

2.1.2. AML program means the Provider's internal regulation on protection against money laundering and terrorist financing, which is prepared by the Provider in accordance with the AML Act.

2.1.3. AML Act means Act No. 297/2008 Coll. of laws of Slovak Republic on the protection against the legalization of proceeds from crime and the protection against terrorist financing and on amendments to certain acts.

2.1.4. AML Laws means the AML Act and all other applicable laws governing money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, etc.

2.1.5. Gift Me Crypto means a digital coupon that can be purchased for FIAT currency and entitles its holder to exchange (redeem) it under the terms and conditions set forth in these GTC for specified crypto assets offered on the Website;

2.1.6. CV Order has the meaning specified in section 8.1.

2.1.7. Execution Time has the meaning specified in Section 7.3.

2.1.8. Effective Date has the meaning specified in Section 18.1.

2.1.9. The distributor has the meaning specified in point 9.1.

2.1.10. Documentation means collectively the GTC and the Privacy Notice.

2.1.11. FIAT currency means any state-issued currency that the Provider accepts on the Website.

2.1.12. GDPR means Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC.

2.1.13. Client has the meaning specified in point 3.2.

2.1.14. Code has the meaning specified in point 8.3.

2.1.15. Account means the client interface of the Website (the Client's virtual personal profile on the Website), which allows the Client to use the individual functions and Services on the Website.

2.1.16. Conversion has the meaning specified in Section 7.1.

2.1.17. MiCAR has the meaning specified in Regulation (EU) 2023/1114 of the European Parliament and of the Council of May 31, 2023 on markets in crypto-assets and amending Regulations (EU) No. 1093/2010 and (EU) No. 1095/2010 and Directives 2013/36/EU and (EU) 2019/1937.

2.1.18. Visitor has the meaning given in point 3.1.

2.1.19. Nominal value means the nominal value of the Gift Me Crypto determined by the Client on the Website, which represents the purchase price of the Gift Me Crypto.

2.1.20. The period of validity has the meaning specified in section 8.7.

2.1.21. Privacy Notice means the provider's privacy policy available online here: https://giftmecrypto.io/sk/privacy-policy

2.1.22. Wallet means a digital wallet operated by the Provider, in which the Client's crypto assets are stored and registered, with further details about the Wallet set out in the Custody Terms and Conditions.

2.1.23. The Custody Terms have the meaning specified in Section 1.5.

2.1.24. Fees mean all fees charged by the Provider for providing Services to Clients.

2.1.25. Transfer Fee has the meaning specified in Section 6.2.2.

2.1.26. Provider has the meaning specified in Article 1.1.

2.1.27. Transfer has the meaning specified in section 6.1.

2.1.28. Service and services have the meaning specified in point 1.4.

2.1.29. Consumer means a natural person who is considered a consumer under the laws of the Slovak Republic and who accepts these GTC and orders Services as such a consumer.

2.1.30. The designated FIAT currency has the meaning specified in point 7.8.

2.1.31. Custody is a crypto asset service providing custody and management of crypto assets on behalf of clients.

2.1.32. GTC has the meaning specified in point 1.1.

2.1.33. Position Statement has the meaning specified in Section 5.7.

2.1.34. Website has the meaning specified in section 1.3.

2.1.35. The List of Fees has the meaning specified in Section 12.1.

2.2. The following rules of interpretation shall apply to the interpretation of these GTC:

2.2.1. any reference in these GTC to an article or sub-article means a reference to the relevant article or sub-article of these GTC, unless the context indicates a reference to another document, agreement or contract, and any such reference also includes all sub-articles, paragraphs and sub-paragraphs of that article, unless expressly stated otherwise;

2.2.2. Any reference in these GTC to a law or regulation shall be construed as a reference to a valid and effective law or regulation.

2.2.3. Any reference in these GTC to a law, regulation, or legal provision shall be deemed to refer to a law, regulation, or legal provision of the Slovak Republic, unless expressly stated otherwise in these GTC.

2.2.4. The headings of the articles are for convenience and orientation only and do not affect the interpretation of these GTC.

2.2.5. the term “in writing” includes any legible record of words in a permanent and recorded form (including communication by e-mail or other electronic means);

2.2.6. the term “person” or “third party” is interpreted as a reference to any natural and/or legal person, in particular any company, state authority or public authority, or any association (regardless of whether or not it is registered under the legal system of its establishment);

2.2.7. the term “crypto-asset” shall be interpreted in accordance with Article 3(1)(5) of MiCAR as a digital representation of value or rights that can be transferred and stored electronically using distributed ledger technology or similar technology; and

2.2.8. the term “positive result” in relation to the term AML Check means that the request and/or order of the Client or Visitor (whether it is a Service or any other activity related to the Website) complies with the AML Program and AML Laws and can be fulfilled by the Provider.

3. REGISTRATION AND ACCOUNT

3.1. Any visitor to the Website who is a natural or legal person (hereinafter referred to as the “Visitor”) may use the services and other features of the Website only after registering on the Website. For this purpose, the Visitor must complete a registration form, which always includes the visitor's valid email address and consent to the Documentation.

3.2. After completing the steps in section 3.1, the Provider will create an account for the Visitor, who will become a user of the Website and Services (hereinafter referred to as the “Client”). The Provider reserves the right not to register a Visitor and therefore not to create an Account for them. The Provider is not obliged to state the reason for such a decision.

3.3. The Client is bound by these GTC by accepting them during the registration process under point 3.1. By completing the registration process and creating an Account, the Client and the Provider enter into a business relationship governed by these GTC and other Documentation.

3.4. The Client is solely responsible for their account login details. In the event of loss of account login details, the Client may request the Provider to restore them, in which case the Provider will send the Client new login details to the Client's email address provided by the Client during registration in accordance with point 3.1.

3.5. The Client is not entitled to transfer or make the account or login details available to a third party. If, despite this, the Client transfers or makes the account available to a third party, they are fully responsible for such an act and for any damage caused to the Provider by the transfer or making the account available.

4. PROVIDER'S OBLIGATIONS AND TERMS OF USE

4.1. The Provider is an obligated person pursuant to § 5(1)(b)(15) of the AML Act and therefore has the obligations specified in more detail in this Section 4.

4.2. The Client is entitled to use any Services only after a positive AML check result.

4.3. The Client will automatically be subject to an AML check upon their first request for any Service. Notwithstanding the previous sentence, the Provider may decide to perform an AML check as part of the registration process under point 3.1. In such a case, the Provider will not create an account without a positive AML check result.

4.4. For the purpose of performing an AML check, the Provider may request from the Client all necessary documents and records for the purpose of fulfilling the Provider's obligations under AML laws and the AML program, in particular a copy of an identity card or other identity document, a photograph of the person (selfie), proof of permanent residence, proof of the origin of income and funds, and similar documents relating to the legal entity and its statutory body. The Provider may also request information from the Client about the intended nature of the transactions that the Client intends to carry out on the Website, whether the Client or its statutory body (if the Client is a legal entity) is a politically exposed person, whether the Client is acting on its own behalf or as a representative of a third party, etc.

4.5. The Provider may also verify the Client's identity using automated software solutions or external providers.

4.6. The Provider performs AML checks in accordance with AML laws and the AML program. The Provider is entitled to perform AML checks before providing any Service, even repeatedly.

4.7. In the cases specified in AML laws and the AML program, the Provider is obliged to refuse to provide the Service or to suspend the provision of the Service. At the same time, the Provider reserves the right, based on the results of the AML check, to refuse to provide any Service and, if necessary, to cancel the Client's account and Wallet.

4.8. In the case of repeated provision of Services to the same Client, the Provider shall perform an AML check, in particular if it is necessary or recommended under AML laws and the AML program, to the extent specified therein.

4.9. The Provider also reserves the right to request the Client at any time to resubmit any information and documents or to update them for the purposes of repeated or ongoing AML checks.

4.10. The Client's cooperation in the AML check process is a prerequisite for the provision of Services to the Client.

4.11. The Provider hereby informs the Client that, as an obligated person under the AML Act, it is required to process the Client's personal data for the purposes of preventing and detecting money laundering and terrorist financing. In this regard, the Provider is entitled, even without the Client's consent, to ascertain, obtain, record, store, use, and otherwise process personal data and other data to the extent specified in § 10(1), § 11(3), § 12(1) and (2) of the AML Act, and is entitled to obtain the personal data necessary to achieve the purpose of processing also by copying, scanning or other recording of official documents on an information carrier and to process birth numbers and other information and documents without the consent of the relevant data subject to the extent specified in § 10(1), § 11(3), § 12(1) and (2) of the AML Act.

4.12. The provision of any service specified in these GTC may be postponed on the basis of an AML check. Such a delay shall not be considered a breach of the Provider's obligations under these GTC.

5. WALLET AND CUSTODY

5.1. The terms and conditions of the Wallet custody and management service for Clients are set out in the Custody Terms and Conditions on the Website.

6. TRANSFER OF CRYPTO ASSETS

6.1. The Provider offers the Client a service on the Website for the transfer of crypto assets on their behalf from the Client's Wallet to another address or account in the distributed transaction database (hereinafter referred to as “Transfer”).

6.2. The Provider shall process any Client order to perform a Transfer only if the following conditions are met:

6.2.1. The Client provides and enters on the Website the correct and existing address of the distributed transaction database to which the crypto assets are to be sent, and

6.2.2. The Client has a sufficient amount of crypto assets available that are the subject of such an order and that cover the Provider's fee for processing the Transfer (hereinafter referred to as the “Transfer Fee”).

6.3. The Provider shall publish on the Website the minimum amount of crypto assets that must be the subject of the Client's order to execute the Transfer. The Provider shall not execute Transfers for orders whose value is lower than the specified amount.

6.4. The Provider does not offer Transfers in relation to electronic money tokens. This does not affect the execution of electronic money token transfers within the provision of other Services by the Provider.

6.5. The security systems used by the Provider for Transfers are specified in the Custody Terms and Conditions.

7. CONVERSION

7.1. The Provider offers Clients a service on the Website for the purchase and sale of crypto assets for FIAT currency (hereinafter referred to as “Conversion”).

7.2. The Provider performs Conversion by concluding purchase or sale contracts relating to crypto assets with clients for FIAT currency. The Provider is always the counterparty to these transactions with the client.

7.3. In the case of a request for Conversion consisting in the purchase of crypto assets for FIAT currency, the Client may use the payment methods available on the Website. After selecting the payment method, the Client will be notified of the amount of crypto assets they will receive after the Conversion (the price for the Conversion). This request for Conversion is valid for a maximum of 15 (fifteen) seconds from its creation (hereinafter referred to as the “Execution Time”). After the Execution Time has expired, the Client will have to resubmit the request for Conversion in accordance with this section 7.3.

7.4. If a request for Conversion under clause 7.3 is submitted during the Execution Time, the Provider shall perform the Conversion immediately after processing the payment, and the crypto assets purchased by the Client shall be registered in the Wallet.

7.5. The Client may request the Provider to withdraw their crypto assets from the Wallet to the Client's bank account. Such a request is considered a request for Conversion and may only be submitted in relation to the FIAT currency specified on the Website (hereinafter referred to as the “Specified FIAT Currency”). After providing the bank account number to the Provider, the Client will be notified of the amount of FIAT currency that they will receive after the Conversion (the Conversion price). This Conversion request is only valid for the Execution Time. After the Execution Time has expired, the Client will have to re-submit a request for Conversion in accordance with this point 7.5.

7.6. If the Conversion request under Section 7.5 is submitted within the Execution Time, the Provider shall perform the Conversion immediately and (i) cancel the registration of the Client's crypto assets that were the subject of the withdrawal from the Wallet, and (ii) transfer the relevant amount of FIAT Currency to the bank account specified by the Client. If the FIAT Currency in the designated bank account differs from the Designated FIAT Currency, the Client shall bear all costs of such conversion between FIAT currencies.

7.7. Any Conversion request confirmed by the Client within the Execution Time shall be considered final.

7.8. The Provider may publish and set on the Website the minimum amount of:

7.8.1. crypto assets that may be subject to Conversion, and

7.8.2. FIAT currencies that may be subject to Conversion.

7.9. Conversion requests that do not comply with the limits set out in point 7.8 will not be processed by the Provider.

7.10. The Provider provides Conversion to Clients on a non-discriminatory basis and may refuse Conversion requests only for the reasons specified in these GTC (including the results of AML checks).

7.11. The Provider shall make available on the Website the transaction volumes and prices in connection with the Conversions performed.

7.12. The Provider provides Conversion in accordance with its non-discriminatory trading policy published on the Website here: [https://giftmecrypto.io/en] in section Documents, which is part of these GTC based on this link.

8. Gift Me Crypto

8.1. The Client may purchase a Gift Me Crypto by placing an order on the Website with the following information:

8.1.1. Nominal value;

8.1.2. specified crypto assets for which the Gift Me Crypto can be exchanged, and

8.1.3. the method of payment for the Gift Me Crypto (hereinafter referred to as the “GMC order”).

8.2. After placing a GMC order, the Client may be subject to an AML check in accordance with these GTC. The Client will then be required to pay the Nominal Value using the payment method they have chosen.

8.3. If the Nominal Value has been successfully paid, the Client will receive the Gift Me Crypto. The Nominal Value is considered successfully paid when it is credited to the Provider's bank account. The Client will receive an email notification of successful payment for the Gift Me Crypto. At the same time, the Provider will automatically generate a unique authorization code linked to the specific Gift Me Crypto (hereinafter referred to as the “Code”).

8.4. As a result of the successful payment of the Nominal Value, the Provider will make the following options available to the Client on the Website:

8.4.1. to immediately redeem the Gift Me Crypto;

8.4.2. obtain the Code, which can be used later to redeem the Gift Me Crypto within the period specified in point 8.7, and

8.4.3. to send the Code to any third party via their phone number or email address.

8.5. Immediate redemption of the Gift Me Crypto pursuant to point 8.4.1 constitutes the Client's order for Conversion, according to which the Nominal Value represents the amount in FIAT currency that the Client paid for the purchase of the crypto asset to which the Gift Me Crypto is linked.

8.6. If the Client chooses to have the Code sent to their email, they are entitled to request its payment, i.e. to submit an order for Conversion, within the period specified in point 8.7.

8.7. The validity of the Gift Me Crypto is limited to 180 (in words: one hundred and eighty) days from the date of purchase of the Gift Me Crypto in accordance with point 8.3 of these GTC (“Validity Period”). For the purposes of these GTC, the moment of sending the email notification of successful payment for the Gift Me Crypto to the Client constitutes the delivery of the Gift Me Crypto. The code may be used in accordance with point 8.7 only by its holder (the Client or the person referred to in point 8.4.3) within the Validity Period. After the expiry of the Validity Period, the Gift Me Crypto can no longer be redeemed. By purchasing a Gift Me Crypto under these GTC, the Client expressly acknowledges the existence of the Validity Period and the consequences of its expiry. The Client is not entitled to any compensation if they do not redeem the Gift Me Crypto during the Validity Period.

8.8. The Provider acquires ownership of the Nominal Value paid by the Client (i) by redeeming the Gift Me Crypto in accordance with this Article 8 or (ii) upon expiry of the Validity Period if the Gift Me Crypto has not been redeemed during the Validity Period.

8.9. The Provider reserves the right to temporarily or permanently restrict the Gift Me Crypto purchased by the Client if:

▪ (a) the Client uses the Gift Me Crypto in violation of the law or in violation of these GTC; or

▪ (b) the Gift Me Crypto was acquired in violation of the law.

8.10. The Gift Me Crypto cannot be used to purchase another Gift Me Crypto. The Gift Me Crypto cannot be exchanged or redeemed for FIAT currency.

8.11. The Gift Me Crypto cannot be used to purchase goods and services.

8.12. A Gift Me Crypto can only be redeemed once and in full. This means that any Conversion order placed by the Client under this Section 8 is always executed by the Client at the full Nominal Value as the Client's payment for the purchased crypto assets.

9. DISTRIBUTORS

9.1. Any Client who wishes to resell Gift Me Crypto may become a business partner of the Provider (“Distributor”). In order to become a Distributor, the Client must apply on the Website and provide the Provider with the required information. On this basis, the Provider may conclude a Distribution Agreement with such a Client, on the basis of which such a Client becomes a Distributor.

9.2. Distributors are sellers of Gift Me Crypto. However, Distributors are not authorized to perform Conversions for Clients. Gift Me Crypto may only be used and exchanged by their holders on the Website in accordance with Article 8. Each holder of a Gift Me Crypto who has purchased a Gift Me Crypto from a Distributor is therefore bound by these GTC to the extent necessary to redeem the Gift Me Crypto.

9.3. Distributors must ensure that:

9.3.1. They comply with AML laws when reselling Gift Me Crypto; and

9.3.2. When reselling a Gift Me Crypto, their Clients are bound by these GTC to the extent relating to the Gift Me Crypto.

9.4. When reselling the Gift Me Crypto, Distributors are entitled to impose additional obligations on their clients beyond the scope of these GTC, including the payment of additional fees to the distributor, unless the distribution agreement provides otherwise.

9.5. Distributors are obliged to cooperate fully with the Provider in fulfilling the Provider's obligations under AML laws.

9.6. The Provider shall not be liable to the Distributor's clients for any breach of the Distributor's obligations in the resale of Gift Me Crypto, including situations where Gift Me Crypto and Codes cannot be used by these clients as provided for in these GTC as a result of a breach of the Distributor's obligations. In the event of any defects in the Gift Me Crypto resold by the Distributor:

9.6.1. The Distributor shall be liable to the Provider for any breach of the Distributor's obligations;

9.6.2. The Provider is liable to the Distributor if such defects were caused by the Provider; and

9.6.3. claims arising from the mutual rights and obligations of the Distributor and its clients shall be resolved and settled exclusively between these parties.

9.7. The Distribution Agreement sets out further rights and obligations between the Provider and the Distributor. The Distribution Agreement may also specify the minimum number of Gift Me Crypto that the Distributor must purchase within a certain period of time.

9.8. The Provider provides a list of Distributors and all payment methods they use to sell Gift Me Crypto on its Website.

10. COMMON PROVISIONS ON THE PROVISION OF SERVICES

10.1. The Client is obliged to provide the Provider with cooperation and assistance in the performance of its obligations under these GTC, if the Provider so requests.

10.2. The Client may not assign any rights or obligations arising from these GTC or the Service to a third party without the prior written consent of the Provider, unless these GTC provide otherwise. The Provider may assign any claims against the Client to a third party even without the Client's prior written consent.

10.3. The Provider and the Client are obliged to immediately notify each other of any facts that are of fundamental importance for the performance of any Service or for the performance of these GTC.

10.4. The Provider shall fulfill any tax obligations related to the use of the Services only to the extent and in accordance with applicable laws. The Client is obliged to independently verify whether it has any tax obligations related to the use of the Services, and if so, it is fully responsible for fulfilling them. For this purpose, the Provider shall provide the Client with all information that the Client may legitimately require.

10.5. In the event of the Client's death (if the Client is a natural person), all crypto assets in the Wallet shall become subject to inheritance proceedings. The Provider shall make the Client's Wallet available to his/her heir(s) upon presentation of a valid decision of the competent court deciding in the relevant inheritance proceedings or another similar document with the same legal effect. In the case of a Client whose inheritance proceedings were not conducted under Slovak law, the Provider is entitled to have a legal opinion prepared confirming the legal effects of the inheritance decision under foreign law, which the Client shall submit to the Provider for the purpose of verifying its legal effects. The Provider is entitled to offset the costs of such a legal opinion against the crypto assets that are the subject of the inheritance.

10.6. The Provider keeps records of all Services provided and all activities and transactions with crypto assets related to these Services. The Provider shall provide these records to the Client upon request to the extent relating to the Services provided to such Client. The Provider shall retain these records for a period of five years, unless a competent public authority or supervisory authority requests that they be retained for a longer period.

11. SUSPENSION AND TERMINATION OF SERVICES

11.1. The Provider reserves the right to terminate the provision of any or all Services under these GTC at any time. In such a case, it shall reject new requests from the Client for any Service that it has decided to discontinue and shall terminate the active Service (e.g., Storage) with one month's notice, which shall commence on the day following the delivery of the notice to the Client.

11.2. The Provider reserves the right to temporarily suspend the provision of Services, in particular in cases of (i) force majeure, (ii) cyber attack, (iii) changes in legislation that prevent the Provider from providing Services under the terms of these GTC without obtaining additional authorizations or licenses, (iv) an internet outage or similar event that prevents the Provider from providing the Services, or (v) for reasons specified by the AML program and AML laws, including any suspicion that a Client transaction may constitute an unusual business transaction under the AML law.

11.3. If the suspension of the Conversion lasts longer than one day, the Validity Period shall be extended accordingly by the duration of such suspension. If the Gift Me Crypto cannot be redeemed due to the suspension of the Conversion within the last 24 hours of the Validity Period, the Validity Period shall be extended by the duration of such suspension and the Client shall be notified immediately after the suspension of the Conversion has ended.

11.4. The Client is entitled to request the cancellation of the account at any time. Such a request by the Client shall be considered a termination of the contractual relationship established between the Client and the Provider pursuant to Section 3.3.

11.5. As a result of the account cancellation, the Client's Wallet will also be canceled. Therefore, in the event of account cancellation, whether by the Provider or the Client, the Client must submit a Transfer or Conversion Order (to FIAT currency) in relation to the crypto assets in the Wallet, otherwise the account cannot be canceled. If the Client fails to do so, the Provider is entitled to charge Fees for the continued Custody of these crypto assets.

11.6. The Account and Wallet may also be closed by the Provider unilaterally, without the need for the Client's cooperation, if the circumstances specified in point 4.7 of these GTC occur. After closing the account, the Provider is obliged to send the Client a request for instructions for the transfer or Conversion of the balance in the Wallet.

11.7. If, even after being requested by the Provider in accordance with point 11.6 of these GTC, the Client fails to provide valid instructions for the transfer or conversion of the balance in the Wallet within 30 days of the date of delivery, the Client expressly agrees and acknowledges that this shall be considered as an instruction on their part to perform the Conversion of all crypto assets in their Wallet and, at the same time, the subsequent purchase of a Gift Me Crypto for the equivalent value of all funds (FIAT currency) acquired by the Client as a result of such Conversion. At the same time, by acquiring the Gift Me Crypto in accordance with the previous sentence, the Client acquires the right to redeem the nominal value of the Gift Me Crypto during the Validity Period in accordance with point 8.7 of these GTC. The Gift Me Crypto will be sent by the Provider to to the Client's last known email address. The Provider will cancel the Wallet if the Client does not redeem the Gift Me Crypto during the Validity Period. Failure to redeem the Gift Me Crypto will have consequences in accordance with Section 8.7 of these GTC.

12. FEES

12.1. The provision of Services is subject to fees according to the current list of fees available on the Website here: https://giftmecrypto.io/sk/terms-and-conditions#fees (hereinafter referred to as the “List of Fees”).

12.2. The Provider reserves the right to unilaterally offset any payable Fees and costs or other receivables related to the provision of Services against the Client.

12.3. The Provider reserves the right to change the Fee Schedule or introduce new fees related to the provision of Services. The Provider is entitled to change the List of Fees or change the fees for individual Services with effect 14 days from the delivery of notification of this change to the Client's email address. The new List of Fees shall take effect on the 14th day from the delivery of the notification in accordance with the previous sentence.

12.4. Fees are calculated as a percentage per transaction and/or as a flat fee, unless otherwise specified in the Fee Schedule. Fees also include all fees for Services provided to the Provider by third-party service providers.

12.5. The Client is always informed of the exact amount of Fees that will be charged between requesting and ordering (confirming) a specific Service.

12.6. The List of Fees includes, but is not limited to, the following fees:

12.6.1. Redemption Fee 9% when redeeming Gift Me Crypto Voucher; and

12.6.2. Withdrawal Fee 2.5 to 10 EUR, depending on how busy is the network.

13. RISKS ASSOCIATED WITH CRYPTO ASSETS

13.1. By ordering any Service, the Client expressly acknowledges the risk factors of depreciation and volatility associated with investing and trading in crypto assets and accepts the risk of a decline or even total loss of their investment in crypto assets.

13.2. Each specific crypto asset may pose a specific risk. The Provider makes available on its Website white papers or similar documents on crypto assets available on the Website, which describe in more detail the risk factors associated with these crypto assets. In addition, through these white papers or similar documents, the Provider makes available to Clients all information about the main adverse effects of the consensus mechanism used to issue crypto assets on the climate and other adverse effects of this mechanism related to the environment.

14. RESPONSIBILITY

14.1. The Provider shall be liable to Clients for the loss of any crypto assets or means of access to crypto assets as a result of any event attributable to the Provider. The Provider's liability under the previous sentence shall be limited to the market value of the lost crypto asset at the time the loss occurred.

14.2. In accordance with Article 13, the Provider shall not be liable for any partial or total loss of value of the Client's crypto assets.

14.3. The Provider shall not be liable for:

14.3.1. damage caused to the Client by the Client's improper use of the account;

14.3.2. loss of the Client's account login details;

14.3.3. any damage caused to the Client by incorrect interpretation or use of the information provided on the Website;

14.3.4. loss, destruction, or misuse of the Gift Me Crypto and/or Code by an unauthorized person;

14.3.5. the compatibility of the Website with third-party software not developed by the Provider;

14.3.6. the quality, speed, and availability of the Client's Internet connection for the purposes of using the Services.

14.4. In the event of any defects in the Services that were not caused by the Client, and if the Provider's exclusion of liability under this Article 14 does not apply, the Client is entitled to have such defects remedied free of charge, in a timely manner and properly.

14.5. The duration of the Provider's liability for defects in the Services is 24 months from the provision of the specific Service.

14.6. The Provider ensures the backup of all data stored on its servers. However, the Provider shall not be liable for the loss, damage, or removal of any information, records, image recordings, data, communications, or any other information entered by the Client into his/her account as a result of the Client's negligence or intent.

14.7. Events that cannot be attributed to the Provider under Article 14.1 include any event that occurs independently of the provision of the relevant Service or independently of the Provider's activities. Such incidents may include any force majeure event that the Provider could not have prevented even with strict adherence to its business continuity plan and other internal regulations. Such incidents may include:

▪ (a) a problem related to the operation of a distributed transaction database that is beyond the Provider's control;

▪ (b) a protest, strike, power outage, natural disaster, armed conflict, or interruption of internet connection;

▪ (c) a terrorist attack and related circumstances; or

▪ (d) cyber attacks.

14.8. The Provider is responsible for complying with these GTC, unless its responsibility is excluded by these GTC or by law.

14.9. The Client is liable to the Provider for any damage incurred as a result of any documents or information provided by the Client as part of the AML check or registration process being partially or completely false and/or incomplete and/or distorted.

15. COMPLAINTS AND REQUESTS FOR REDRESS

15.1. The Client is entitled to file a complaint with the Provider in connection with the provision of Services under the conditions and in the manner specified in the Internal Complaint Handling Policy, which is published on the Website in the “Documents” section.

15.2. The Consumer has the right to contact the Provider with a request for redress if a dispute arises between the Client and the Provider regarding the exercise of rights arising from liability for defects or if the Consumer believes that the Provider has violated other Consumer rights. The Consumer may use the same form for a request for redress as for a complaint, and the Provider shall treat any complaint which, based on its content, may be considered a request for redress as if the Consumer had submitted a request for redress.

15.3. The Provider is obliged to respond to the Consumer's request for redress within 30 days of the date of delivery of such a request to the Provider. If the Provider fails to respond within the period specified in the previous sentence or rejects the Consumer's request for redress, the Consumer has the right to file a proposal for alternative dispute resolution with an alternative dispute resolution entity. This does not affect the Consumer's right to file a lawsuit with the competent court.

15.4. The state authority responsible for consumer protection in the provision of Services is the National Bank of Slovakia. A list of entities providing alternative dispute resolution is available on the website of the Ministry of Economy of the Slovak Republic: https://www.mhsr.sk/obchod/ochrana-spotrebitela/alternativne-riesenie-spotrebitelskych-sp orov-1/zoznam-subjektov-alternativneho-riesenia-spotrebitelskych-disputes-1.

15.5. Consumers may also submit a proposal for alternative dispute resolution via the alternative dispute resolution platform (online dispute resolution): http://ec.europa.eu/consumers/odr/

15.6. The provider is obliged to cooperate with the alternative dispute resolution entity in resolving the dispute.

16. CONSUMER'S RIGHT TO WITHDRAW FROM THESE GTC AND SERVICES

16.1. The consumer has the right to:

16.1.1. withdraw from the contractual relationship established under point 3.3 without giving any reason within 14 days of creating an account, and

16.1.2. withdraw from any Service ordered within 14 days of ordering such Service.

16.2. The Consumer may withdraw from the contract by means of an unequivocal statement, for example by a letter sent to the Provider by post to the address Bottova 2A, Bratislava 811 09, Slovakia, or by email sent to the Provider's email address: [email protected]. For this purpose, the Consumer may also use the standard form available on the Website. The 14-day withdrawal period is met if the Consumer sends the notice of withdrawal before the expiry of the withdrawal period.

16.3. The Consumer loses the right to withdraw from these GTC and/or from the provision of any Service if the provision of the Service began before the expiry of the 14-day withdrawal period and under the following conditions:

16.3.1. The consumer has expressly agreed to such commencement of the provision of Services, and

16.3.2. The Consumer has declared that they have been duly informed that by expressing their consent, they lose the right to withdraw from these GTC and/or from the specific Service ordered by the Consumer.

16.4. The Provider shall specifically inform the Consumer of the facts under point 16.3 before the Consumer definitively confirms the order for the Service. Examples of Services whose provision begins before the expiry of the 14-day withdrawal period and therefore have the effect specified in point 16.3 are Transfer.

16.5. Provisions 16.1 to 16.4 do not apply to Conversion, as this service depends on price movements in the financial market.

17. COMMUNICATION AND DELIVERY

17.1. Any communication, withdrawal from the contract, or other notification from the Client in connection with the Services provided under these GTC must be delivered to the Provider at the following email address: [email protected], unless these GTC provide otherwise in a specific case. The Provider shall announce any change to its email address for communication specified in the previous sentence on the Website.

17.2. Any notification, withdrawal from the contract, or other notification from the Provider in connection with the Services provided under these GTC must be delivered to the Client at their email address. The Client's email address can be changed within their Account.

17.3. For the purposes of these GTC, an email is considered delivered on the day it is sent if (i) the sender of the email does not receive a message stating that such email could not be delivered or if (ii) the recipient of such email does not prove that delivery did not occur.

18. CHANGES TO THE GTC

18.1. The Provider reserves the right to change these GTC without the Client's consent. In such a case, the Provider shall publish the new full text of the GTC on the Website, which shall replace the previous text of the GTC in its entirety and which shall be effective from the effective date specified in such new text of the GTC, but no earlier than 14 days from the date of its publication (hereinafter referred to as the “Effective Date”). The Provider shall notify the Client that a new complete version of the GTC has been published.

18.2. If the Client does not agree with the change to these GTC pursuant to point 18.1, they may request the cancellation of their account no later than one day before the Effective Date. In such a case, the Provider shall proceed with the cancellation of the account in accordance with point 11. Until the account is cancelled, the original (unchanged) GTC shall apply to the Client.

18.3. If the Client continues to use the account and Services even after the Effective Date, they hereby unconditionally agree to the new wording of the GTC.

19. FINAL PROVISIONS

19.1. These GTC and Services are governed by the laws of the Slovak Republic, in particular MiCAR and Act No. 513/1991 Coll. of laws of Slovak Republic Commercial Code. The provisions of § 52 of Act No. 40/1964 Coll. of laws of Slovak Republic Civil Code shall not be affected if the Client is a Consumer.

19.2. In the event of a dispute over the interpretation of terms, the interpretation of the contract in the Slovak language shall prevail.

19.3. The Provider shall ensure that the processing of personal data complies with the requirements of the GDPR and shall ensure the protection of the rights of data subjects under this Regulation. More detailed information on the protection of personal data processed by the Provider can be found in the Privacy Policy.

19.4. If any provision of these GTC becomes invalid or unenforceable, the other provisions of these GTC shall remain in force, unless the nature or content of these GTC or the circumstances of their conclusion indicate that the invalid or unenforceable provision cannot be separated from the other provisions of these GTC.

These GTC are effective from January 6, 2026.