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Partner Balance User Terms

LAST UPDATED: December 22, 2023

UNLESS EXPRESSLY MODIFIED UNDER THIS AGREEMENT, THE TERMS AND CONDITIONS OF THE MOONPAY USA LLC TERMS OF USE (AS MAY BE AMENDED FROM TIME TO TIME, THE "MOONPAY TOU"), INCLUDING WITHOUT LIMITATION THE ARBITRATION AGREEMENT (AS DEFINED IN THE MOONPAY TOU) AND ANY ACCOMPANYING OPT OUT REQUIREMENTS, ARE INCORPORATED HEREIN BY REFERENCE. FOR PURPOSES OF CLARITY, THE TERMS AND CONDITIONS OF THE MOONPAY TOU APPLY TO YOUR USE OF THE MOONPAY SWEET PLATFORM SERVICES.

These MoonPay Sweet Platform User Terms (the “Agreement”) are between MoonPay USA LLC (“MoonPay”, “we”, “us”, or “our”) and you, the individual (“you”). This Agreement (including for the avoidance of doubt the MoonPay TOU incorporated herein by reference) applies to your use of MoonPay’s products and services that are available on the Sweet site currently located at https://sweet.io/ (“Sweet Site”), any third-party branded sites, vanity domains, or microsites operated by Sweet that link to this Agreement (“Branded Sites”), and any mobile applications and services, products and content provided by Sweet, whether through or in connection with the Sweet Site or any Branded Site (individually and collectively, the “Sweet Platform”). In the event of a conflict between this Agreement and the MoonPay TOU, this Agreement governs to the extent of the conflict. MoonPay’s products and services that are available on the Sweet Platform (and which for the avoidance of doubt may include the “Services” as defined in the MoonPay TOU) are referred to as the “MoonPay Sweet Platform Services”. 

MoonPay reserves the right to change or modify this Agreement or the Services it offers at any time, in its sole discretion. You agree and understand that by accessing or using the MoonPay Sweet Platform Services following any change to this Agreement, you agree to the revised Agreement and all of the terms incorporated therein by reference. We encourage you to review the Agreement from time to time to ensure that you understand the terms and conditions that apply when you access the MoonPay Sweet Platform Services.

  1. Notwithstanding anything to the contrary in the MoonPay TOU, MoonPay is the entity providing the MoonPay Sweet Platform Services.
  2. In the course of accessing the MoonPay Sweet Platform Services, you may collect through purchases or other authorized means a digital collectible on the Sweet Platform (a “Digital Collectible” or “NFT” under the MoonPay TOU) and/or sell such Digital Collectible on the Sweet Platform. Except as required by law, all payments for Digital Collectibles are final and not refundable and you may not cancel, reverse or change any purchase order once it has been submitted.
  3. In the event that you sell a Digital Collectible on the Sweet Platform, your Sweet account balance which is issued and redeemed by MoonPay (“Sweet Balances”) will be credited for the amount of such sale (minus any applicable fees and subject to a maximum balance of two thousand dollars ($2,000)). Sweet Balance is not a substitute for real currency, does not earn interest or expire, and subject to Section 7, may only be used to purchase Digital Collectibles sold on the Sweet Platform.
  4. In order to make a purchase on the Sweet Platform, you must have at least one Linked Payment Method associated with your Sweet Platform account. By initiating a purchase with your selected Linked Payment Method, which for the avoidance of doubt, includes your Sweet Balance, you authorize us and/or our applicable third-party service providers, to charge or debit your selected Linked Payment Method for the total amount of the purchase, including without limitation all applicable fees and taxes. Once you confirm a purchase, you cannot withdraw your authorization for that purchase except as permitted by law. 
  5. As described in the MoonPay TOU, if your payment is not successful, for example, if your chosen Linked Payment Method has insufficient funds, you authorize MoonPay, in its sole discretion, to either cancel the transaction or to debit your other Linked Payment Methods (including your Sweet Balance) in any amount necessary to complete the transaction on its original terms. In the event of any refund, chargeback, or other adjustment related to a purchase using your Sweet Balance, you authorize us to credit or deduct the amount, as applicable, from your Sweet Credits. 
  6. We reserve the right to, in our sole discretion, suspend, delay, redirect, or cancel any transaction at any time and for any reason, including if we suspect potential unlawful or suspicious activity. 
  7. Subject to you satisfying our identity verification requirements and subject to availability in your jurisdiction, we may enable you to withdraw all or a portion of your Sweet Balance representing the proceeds of your sales on the Sweet Platform to your external bank account or such other external account as we may permit from time to time. We may utilize processors, banks or other authorized third parties to facilitate transfers to external accounts. When withdrawingSweet Balance, we may deduct the corresponding amount of Sweet Balance upon initiation of the withdrawal request by you, but due to processing times, it may take up to three business days for the funds to settle to your external account.  When requesting a withdrawal of Sweet Balance it is your responsibility to provide us with accurate account details for your external account. We are not responsible for funds resulting from withdrawn Balance being provided to the wrong person or account where you provided incorrect account details to us, or in instances otherwise described in our Disputes Handling Policy. Further, we are not responsible for [funds representing the withdrawn amounts] once we provide those funds to the third party for delivery to you at your request. We do not charge a fee in order to withdraw Sweet Balance, however, you may be charged a fee from a third-party and you are solely responsible for such fees. You cannot cancel your withdrawal of Sweet Balance if, before receiving your request for cancellation, we have already sent the corresponding instructions to our bank or payment processor. 
  8. If you choose to close your Sweet Balance account, we may require you to take certain additional actions, in order to complete a pending transaction or provide additional information prior to closing your Sweet Balance. If we close your Sweet Balance account, you will no longer be able to receive and hold Sweet Balance or make purchases on the Sweet Platform using your Sweet Balance. You will remain liable and responsible for any and all obligations related to your Sweet Balance account even after the account is closed. 
  9. MoonPay may charge a fee for your use of certain features of the MoonPay Sweet Platform Services. You agree to pay any fees associated with your use of the MoonPay Sweet Platform Service. Please see Appendix 1 for details on the fees associated with the MoonPay Sweet Platform Services. We may modify these fees at any time in our sole discretion.
  10. You may view your Sweet Balance account history and records of associated transactions by going to the Sweet Balance link in your Sweet account. You are responsible for reviewing your account history and monthly or quarterly account statements to determine if there are any errors or unauthorized transactions, and for notifying MoonPay of such events, as outlined in our Disputes Handling Policy. 
  11. You may not use, acquire, or distribute the Sweet Balance except through the Sweet Platform Services and except as expressly allowed by MoonPay under this Agreement (including the MoonPay TOU). Any attempt to do so constitutes a violation of this Agreement, will render the transaction void, and may result in the immediate suspension or termination of your Sweet Platform account. For purposes of clarity, you may not use your Sweet Balance for international transmittals, peer to peer transfers to other users, or reloads from non-depository sources. 
  12. If you are seller and a resident of the states of New York or Hawaii and sell a Digital Collectible on the Sweet Platform, you appoint MoonPay and its third-party payment processor(s) as your agents for the limited purpose of receiving, holding and settling payments for these transactions. A payment received by us from a buyer, on your behalf, satisfies the buyer’s obligation to you in the amount of the payment received, regardless of whether we actually settle such payment to you. Accordingly, in the event that we do not remit the buyer's  payment to you as described in this Agreement, your only recourse will be against us and not against the buyer.
  13. To the extent permissible under the rules of any third-party network or self-governing body or governmental authority with jurisdiction over us, you agree that we are not liable for your acts and omissions and you understand that we disclaim any such liability.
  14. In the event that we do not complete a transfer related to the MoonPay Sweet Platform Services for the correct amount or if we do not complete the transaction on time according to this Agreement or our other agreements with you, we will be liable for your damages. However, there are some situations in which we would not be liable. For instance, we will not be liable if:
    • We have reason to believe that the transaction was initiated without your authorization; 
    • Through no fault of ours, you do not have enough money in your Sweet Balance account to make a transfer;
    • Circumstances beyond our control (such as fire, flood, loss of Internet connection, payment network outage) prevent us from completing the transaction, despite reasonable precautions that we have taken;
    • You provided us incorrect information which is needed in order for us to complete your transaction; 
    • Access to or use of your Sweet Balance account has been blocked after you reported your login credentials were lost or stolen;
    • Our system is not working properly and you knew about the breakdown when you started the transaction;
    • The transaction is restricted by us, our processor or a financial institution because of potentially unlawful or suspicious activity; or
    • Your funds are subject to legal process which restricts them from being used or transferred.
  15. There may be other exceptions permitted under state or federal law or included in our agreements with you. 
  16. MoonPay Sweet Platform Services are not available for residents of Texas. 
  17. In the event that you have a question regarding your Sweet Balance account, you may contact us at unknown node 

Appendix 1

See below fees MoonPay may charge associated with the MoonPay Sweet Platform Services. We may modify these fees at any time in our sole discretion.

  • Digital Collectible Purchase Checkout Processing Fee: 4.5% of the transaction amount, with a minimum of $.50.
  • Withdrawal of Sweet Balance - Bank Transfer: 1% of the transaction amount, with a minimum of $3.99 (or currency equivalent).
  • Withdrawal of Sweet Balance - Card: 4.5% of the transaction amount, with a minimum of $3.99 (or currency equivalent).

Note: If you sell your Digital Collectible, there is a 5% Marketplace Fee that will be charged and deducted from any payment due to you after sale. This is not a MoonPay fee and MoonPay has no control over this fee. For more information, refer to the NHL Breakaway Marketplace Fee FAQ

MOONPAY USA LLC TERMS OF USE

EFFECTIVE DATE: May 24, 2024

SECTION 10 OF THIS AGREEMENT CONTAINS PROVISIONS THAT GOVERN HOW CLAIMS THAT YOU AND MOONPAY HAVE AGAINST EACH OTHER ARE RESOLVED, INCLUDING, WITHOUT LIMITATION, ANY CLAIMS THAT AROSE OR WERE ASSERTED BEFORE THE EFFECTIVE DATE OF THIS AGREEMENT. IN PARTICULAR, SECTION 10 INCLUDES THE ARBITRATION AGREEMENT WHICH WILL, WITH LIMITED EXCEPTIONS, REQUIRE DISPUTES BETWEEN US TO BE SUBMITTED TO ARBITRATION. 

UNLESS YOU OPT OUT OF THE ARBITRATION AGREEMENT: (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AND SEEK RELIEF AGAINST MOONPAY ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING (EXCEPT AS SET FORTH IN SECTION 10); AND (2) YOU ARE WAIVING YOUR RIGHT TO SEEK RELIEF IN A COURT OF LAW AND TO HAVE A JURY TRIAL ON YOUR CLAIMS. THE ARBITRATION AGREEMENT COULD AFFECT YOUR RIGHT TO PARTICIPATE IN PENDING OR PROPOSED CLASS ACTION LITIGATION.

This user agreement (“Agreement”) is between, as applicable, the MoonPay entity or entities specified in the table below (“MoonPay”, “we”, “us”, or “our”) and you, the individual (“you”). This Agreement applies to an individual’s use of the following MoonPay products and services (“Services”) only:

  • The MoonPay.com Website and any consumer mobile and desktop applications we may offer (“Site Services”); 
  • The ability to purchase, swap and sell Digital Assets through our On Ramp and Off Ramp products (“Ramps Services”); 
  • The ability to purchase and sell NFTs through our own website or applications (including our Concierge product), or the NFT Checkout widget which may be hosted on third party websites (“NFT Services”); and
  • The use of a MoonPay Wallet (“Wallet Services”). 

For clarity, if you use only Services provided by one MoonPay entity, this Agreement is between you and the applicable MoonPay entity. However, if you use Services provided by more than one MoonPay entity (for example you use NFT Services provided by Hypermint USA LLC and Ramps Services provided by MoonPay USA LLC, this Agreement is between you and Hypermint USA LLC with respect to the NFT Services that you use and between you and MoonPay USA LLC with respect to the Ramps Services that you use.

  • Hypermint USA LLC
    • Services Offered:
      • Site Services
      • NFT Services
      • Wallet Services
  • MoonPay USA LLC
    • Services Offered:
      • Ramps Services

For clarity, this Agreement does not apply to any of our other B2B products or services. You may not use any of the Services on behalf of a business entity. Please contact the MoonPay Sales Team here for B2B products and services.

As with any asset, the value of Digital Assets can go up or down and there can be a substantial risk that you lose money buying, selling, holding, or investing in Digital Assets. PLEASE REFER TO THE DIGITAL ASSET RISK FACTORS AT THE END OF THIS AGREEMENT FOR MORE INFORMATION ABOUT THE POTENTIAL RISKS OF DIGITAL ASSETS. 

IF YOU DO NOT AGREE WITH THIS AGREEMENT, YOU MAY NOT USE THE SERVICES.

1. GENERAL. This outlines who is bound by this Agreement and how.

1. By accessing the Services, you agree that you have read, understood, and accepted all of the terms and conditions contained in this Agreement, as well as our Privacy Policy and Cookie Policy (collectively, “Supplemental Agreements”). These additional agreements are incorporated by reference to this Agreement (meaning you also agree to them). For example, if you access the MoonPay.com website, create a MoonPay Account, buy or sell any Digital Assets, or use the Services in any other way, you are bound to this Agreement and the Supplement Agreements.

2. You will see a number of capitalized terms in this Agreement. These capitalized terms have already been defined or will be defined in the sentence in which they are used or in Section 12 at the end of this Agreement

3. You affirm that you are at least 18 years of age and reside in the United States and in a state that MoonPay serves. You further affirm you have the capacity to enter into this Agreement and are not prohibited from doing so by Applicable Law.

4. We may change the terms of this Agreement and any Supplemental Agreement at any time without prior notice. Unless specifically indicated, otherwise, any changes will take effect immediately when you are notified or they are posted in one of our Services (such as our website or mobile or desktop applications, if applicable). Your continued use of the Services means you have read and accepted these changes.

5. MoonPay may, as applicable, cause one or more of its affiliates to perform its obligations set forth herein.

2. ACCESSING THE SERVICES. This outlines how you can access and use our Services.

1. Subject to your continued compliance with this Agreement, we grant you a revocable, limited, non-exclusive, non-transferable license to access and use the Services. We may terminate this license at any time.

2. In order to use some of the Services, you will need to satisfy an onboarding process, in accordance with the terms of our Compliance Program.

1. We reserve the right to require you to provide certain information and related documentation that we may specify in our sole discretion (“Onboarding Information”) in order to use our Services. For example, we may request additional information to verify your identity or source of funds. We may request personally identifiable information such as network address, name, email, residence address, telephone number, date of birth, taxpayer identification or social security number, official government-issued photo identification, and bank account information or other information we may reasonably deem helpful in satisfying our risk management or legal obligations.You authorize us, directly, or through third parties, to make any inquiries we consider necessary to verify your identity and the information you provide.

2. In providing the Onboarding Information, you represent and warrant to us that the Onboarding Information is accurate and complete and you agree to immediately update such Onboarding Information in the event of any changes to your Onboarding Information at any time during the onboarding process or while you use the Services.

3. You shall comply with any request by us for any Onboarding Information or documents from you by no later than 14 days following the date of any such request (the “Onboarding Information Deadline”). You agree to update us of any changes to the information that you have provided to us during your onboarding process by no later than 10 days from the date that you became aware of the relevant change.

4. In the event that the requested Onboarding Information is not received by us, including by the Onboarding Information Deadline, we reserve the right to limit your use of the Services and/or charge you an administration fee and/or., terminate your access.

5.

3. We may provide you with credentials to access some of the Services, for example your MoonPay Account username. You are solely responsible for maintaining the security of your credentials. You agree that MoonPay will not be held responsible for any unauthorized access to the Services, or any harm or loss resulting from any unauthorized access using your credentials.

4. We may use the Services to communicate with you, for example via our website or mobile applications. From time to time, we may also communicate with you using the email address or telephone number you provide us. By providing your email address and telephone number, you consent to us contacting you using those forms of communication.

5. Your use of any of the Services is subject to various laws, regulations, and rules of governmental or regulatory authorities applicable to you and our Services (“Applicable Law”). You agree to always comply with all Applicable Laws.

6. Fees and Payments

1. MoonPay may charge a fee for your use of the Services or certain features of a particular Service, which will be disclosed to you prior to you agreeing to use the Service. You agree to pay any fees associated with your use of any Service or specific features. We may modify these fees at any time.

2. We may, at our discretion, use a third-party payment services provider to process your payments. Upon submitting an order, you may be directed away from the Services to a third-party website. In this event, you will be solely responsible for any actions taken on the third-party website and we shall not be liable in any way whatsoever for any damages, losses, or otherwise resulting in whole or in part from such website or provider. If you reverse a payment instruction initiated with your bank, payment services provider or equivalent or part of a transaction fails for any reason, you remain fully responsible for settling the balance and we may engage debt collectors to pursue any outstanding debt on our behalf and you will be liable for all such costs, damages and any fines or fees which we or a third-party may assess

3. GENERAL ACCOUNT OBLIGATIONS. We outline additional details regarding your use of the Services, including what you can and can’t do with your MoonPay Account.

1. We may enable or disable any or all of the Services, your access to such Services or close your MoonPay Account in our sole discretion. We reserve the right to change, suspend or discontinue any aspect of the Services at any time, including hours of operation or availability, without notice and without liability. We may limit the number of MoonPay Accounts that you may create or maintain. We may also terminate or suspend any MoonPay Account that exceeds such limit, and liquidate, freeze or refund orders and funds associated with such MoonPay Account. We may limit use of a MoonPay Account to certain hardware devices and/or supported software and we do not guarantee that your MoonPay Account will be accessible through all manufacturers of electronic devices or software developers. Access to your MoonPay Account may also require certain hardware, software and security protocols, which could result in your inability to access your MoonPay Account.

2. You may close your MoonPay Account at any time and for any reason and without prior notice, however, depending on the Services available to you, we may require you to take certain additional actions in order to complete a pending transaction or provide additional information prior to closing your MoonPay Account. You are solely responsible for any fees already incurred or associated with your MoonPay Account, including but not limited to, any fees from the closing of your MoonPay Account, whether incurred directly by you from MoonPay, or incurred by MoonPay on your behalf with a third party in order to complete any such action. Please note that closing your accounts may not result in the deletion of information we hold about you or your activity.

3. You will be able to view certain details of your account history up to a specific period of time, as determined by MoonPay in our sole discretion and which may be subject to change at any time without prior notice.

4. Depending on the Services used by you, MoonPay reserves the right, at our sole discretion, to create and maintain certain records of your activity and communications relating to your MoonPay Account.

5. MoonPay may, from time-to-time, respond to requests from third parties, courts, law enforcement, regulators and policymakers by producing certain information about or relating to your use of the Services.

6. For security reasons, if we receive legal documentation confirming your death or other information leading us to believe you have died, we will close your MoonPay Account.

7. We may terminate your MoonPay Account or this Agreement at any time.

8. In connection with the provision of our Services, we may hold funds or other property that is owned by you. In the event that your property is deemed abandoned, in accordance with our legal obligations under unclaimed property laws, prior to escheating your property to the appropriate state or jurisdiction, we will attempt to notify you and provide you with an opportunity to retrieve your property. If, after we have escheated your property, you would like to claim your property, please contact the applicable state’s unclaimed property administrator.

4. PLACING ORDERS FOR DIGITAL ASSETS. This outlines the process for placing orders for Digital Assets.

1. Process for submitting orders

1. The parties agree that MoonPay is the merchant of record in connection with the purchase and sale of Digital Assets as described in this Agreement.

2. We may offer you the ability to submit offers to purchase and sell Digital Assets for fiat currency or other Digital Assets subject to the terms of this Agreement, including through our On Ramp and Off Ramp products. UNLESS OTHERWISE STATED IN THE SERVICES, OR AS SET FORTH HEREIN, WHEN YOU PURCHASE OR SELL DIGITAL ASSET USING YOUR MOONPAY ACCOUNT, YOU ARE PURCHASING OR SELLING DIRECTLY FROM MOONPAY.

3. You must carefully enter and review all of the order details prior to submitting an offer to purchase or sell Digital Assets, including the quantity and offered price. MoonPay may present you with pricing for your order. If you accept the pricing displayed, you can then accept and submit the order. If you do not accept the pricing displayed, you can choose not to proceed with the order. Once you submit your order, you are bound to the terms of that order. You may not cancel, reverse or change any order once it has been submitted. If an order for a swap fails for any reason, including if we have to requote a swap quote to you because of price volatility and you reject the requote, then there will be an automatic refund to you, minus any applicable network fees.

4. For orders to purchase Digital Assets, once the order is submitted by you, and accepted by MoonPay, MoonPay will execute a corresponding debit to your chosen payment method which is linked to your MoonPay Account (“Linked Payment Method”), which, for the avoidance of doubt, can include other Digital Asset wallets. By adding a Linked Payment Method, you represent to us that you are an authorized user of that payment method. In order to purchase Digital Assets, you must have at least one Linked Payment Method associated with your MoonPay account. By initiating a purchase with your selected Linked Payment Method, you authorize us and/or our applicable third-party service providers, to charge or debit your selected Linked Payment Method for the total amount of the purchase, including without limitation all applicable fees and taxes. In the event of any refund, chargeback, or other adjustment related to your Digital Assets purchase, you authorize us to credit or deduct the amount, as applicable, from your Linked Payment Method. For orders to sell Digital Assets, once the order is created and accepted and the Digital Assets to be sold are delivered to MoonPay, MoonPay will deposit the proceeds from the sale into your Linked Payment Method.

5. Only certain payment methods are able to be linked to your MoonPay Account. Please refer to your MoonPay Account or our website for further information on acceptable payment methods.

6. MoonPay may impose a minimum holding period for any Digital Assets that you would like to buy or sell, which may last up to 7 business days. These minimum holding periods are necessary to enable us to carry out fraud prevention measures, to ensure that the fiat currency leg of any given transaction has settled, and to perform other compliance related functions. If MoonPay cannot or does not complete the order for any reason (including, without limitation, suspected fraud, price movement, market latency, order size, or any other reason in MoonPay’s sole discretion), MoonPay may reject the order and notify you of such rejection and you will not be charged for a rejected order.

7. Notwithstanding anything to the contrary, MoonPay reserves the right to, in its sole discretion, suspend, delay, redirect, or cancel any transaction (including an order submitted by you and accepted by MoonPay) at any time and for any reason. For example, and without limitation, we may do so if we suspect any risk of fraud, crime, breach of this Agreement, or illicit activity. If your payment is not successful, if your payment method has insufficient funds or if you reverse a payment made from funds in your bank account, you authorize MoonPay, in its sole discretion, to either cancel the transaction or to debit your other Linked Payment Methods in any amount necessary to complete the transaction on its original terms. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, non-sufficient funds (NSF) or similar fees charged by your financial services provider. We reserve the right to refuse to process or to cancel or reverse any transaction in our sole discretion, even after funds have been debited from your Linked Payment Method(s),if we suspect the transaction meets any criteria set forth in this Agreement. In such instances, MoonPay will reverse the transaction and we are under no obligation to allow you to reinstate a purchase or sale order at the same price or under the same terms as the canceled transaction.

8. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, WE DO NOT GUARANTEE ANY ORDER YOU SUBMIT WILL BE EXECUTED OR EXECUTED AT ANY PARTICULAR TIME AND WE WILL NOT BE RESPONSIBLE WHATSOEVER FOR ANY DELAYS OR FOR ANY ORDERS THAT ARE NOT EXECUTED.

2. Limitations on Placing Orders. To submit offers to purchase or sell Digital Assets, you must first establish a MoonPay Account, which may require you to complete certain actions pursuant to our Compliance Program. Your access to a MoonPay Account, and the ability to submit orders for Digital Assets, may not be available in all markets and jurisdictions. We may restrict or prohibit use of a MoonPay Account, including implementing transaction limits, in certain jurisdictions including Restricted Locations, in our sole discretion. We may also update these limitations at any time with or without notice to you.

3. Unauthorized Orders. You agree that you are solely responsible and liable for keeping your MoonPay Account safe and secure and for maintaining adequate security and control of your login and authentication details (including, but not limited to, your identity, and username). You agree you are solely responsible for any access to and use of the Services and your MoonPay Accounts, notwithstanding that such access or use may have been effected without your knowledge, authority or consent. You are solely responsible for all orders that occur using your MoonPay Account, including any orders and completed transactions that were not authorized by you. When an order occurs using your MoonPay Account credentials, we will assume that you authorized such an order. You agree that MoonPay will not be liable to you for any unauthorized orders, completed transactions or loss or damage resulting from any unauthorized access to your MoonPay Account.

4. Fees

1. MoonPay may charge fees for your use of the Services, including entering orders for Digital Assets. MoonPay reserves the right to adjust its pricing and fees and any applicable waivers at any time. A schedule of the types ofMoonPay fees, which may vary on a per transaction basis, can be found on our Pricing and Fees Disclosures page here. If you are referred to us via a Partner Site, you may be charged a dynamic fee as part of the transaction. We will always notify you of the pricing and fees which apply to your transaction before you authorize the transaction and in each receipt we issue to you.

2. You agree that MoonPay may debit fees for orders from the total cost of your order. We charge a processing fee related to our costs associated with payment processing, which fee may vary by product and payment method, and may include an amount MoonPay pays to a third party. We may also charge a dynamic network fee, related to our costs associated with asset transfer, and may vary depending on a number of factors, such as network congestion and operational costs. All fees will be available to you prior to your acceptance of any order or transaction.

3. Bank fees charged to MoonPay are netted out of transfers to or from MoonPay. You are responsible for paying any additional fees charged by your financial services provider. If your bank fees exceed the value of the transaction, we may reject the order.

5. Taxes. It is your responsibility to determine what, if any, taxes apply due to your use of MoonPay Services, and it is your responsibility to report and remit the correct tax to the appropriate tax authority. MoonPay is not responsible for determining whether taxes apply to your Digital Assets transactions or for collecting, reporting, withholding or remitting any taxes arising from any Digital Assets transactions.

6. Wallets

1. Third Party Wallets

  1. In order to use a MoonPay Account to enter orders to buy or sell Digital Assets, you must provide us with the address of one or more third-party provided digital currency wallets (a “Third Party Wallet”). You represent and warrant that you are the owner and controller of the wallet that you link to your account.
  2. By providing us with the address to send purchased Digital Assets, you represent and warrant that you own and control the Third Party Wallet. Because you control your Third Party Wallet, there is no way for us to help you if you lose control over your Third Party Wallet. It is your responsibility to keep your Third Party Wallet safe from both theft and inadvertent loss. As the owner of Digital Assets in your Third Party Wallet, you bear all risk of loss of such Digital Assets.

2. MoonPay Wallets

  1. As part of our Services, you may be able to create a non-custodial digital wallet that can store and transfer certain supported Digital Assets ("MoonPay Wallet"). You understand and agree that the MoonPay Wallet is a non-custodial wallet.
  2. In order to create a MoonPay Wallet, you may be required to provide additional information including your phone number or email, and a one time password (“OTP”). You agree not to provide another person's phone number or email address. This MoonPay Wallet will be linked to your MoonPay account and is controlled by you.
  3. When you create a MoonPay Wallet, a mnemonic phrase (aka a “seed phrase”) is created with random entropy on the user device which is then used to derive a cryptographic key pair. The resultant public/private key pair represents the MoonPay Wallet and ownership of the private key is evidence of your ownership and/or possession of a specific amount of supported Digital Assets in your MoonPay Wallet. The public key is visible to all participants of a blockchain’s network. This public/private key pair enables you to send and receive Digital Assets on the relevant blockchain network. The private key must be used to digitally sign transactions for any Digital Asset represented by the corresponding public key. MoonPay will not store your mnemonic or private key in its database. Instead, MoonPay utilizes a dedicated and secure data center from Amazon Web Services leveraging hardware security and proprietary technology to encrypt your mnemonic and automatically backup the encrypted wallet. You as the user retain control of your MoonPay Wallet and private key at all times. MoonPay will never request your private key. MoonPay can not directly access your mnemonic or private key. Only the email or phone number associated with the MoonPay Account can access the materials needed to decrypt the encrypted backup. This encrypted backup is only ever decrypted on your local device and is never sent or stored anywhere on the MoonPay servers. You may choose to backup and export your mnemonic at any time. You may also request that MoonPay delete any encrypted backup of your mnemonic. Please note that if you do export your mnemonic, you are solely responsible for the security of your wallet and MoonPay can not be liable for any lost or stolen data. Additionally if there is additional two-factor authentication enabled, you may be required to authenticate with a second OTP in order to access your encrypted wallet backup.
  4. Once authenticated you may initiate any wallet related transaction using the Services at any time. MoonPay does not sign messages on your behalf or control the wallet on your behalf. Once authenticated you, the user can initiate any relevant blockchain transaction. MoonPay has no duty to inquire into or investigate the validity or accuracy of any transaction, though it may, at its sole discretion, inquire into or investigate such transactions. You, the user will be responsible for keeping your phone and/or email address secure and for any activity associated with your phone/email and your MoonPay Wallet. MoonPay will not be responsible if someone else accesses your phone/email and authorizes a transaction upon receipt of the OTP. You should let MoonPay know immediately if your phone has been stolen and/or your phone or email has otherwise been compromised.
  5. MoonPay has no ability to access your mnemonic or any other raw private key information. We cannot unilaterally initiate a transfer of Digital Assets or otherwise access Digital Assets in your MoonPay Wallet
  6. We are not your brokers, intermediaries, agents, advisors, or custodians, and we do not have a fiduciary relationship or obligation to you regarding any other decisions in connection with a MoonPay Wallet or our Services. We are not responsible for any activities that you engage in when using your MoonPay Wallet, and you should understand the risks associated with Digital Assets described in this Agreement.

7. You are solely responsible for maintaining the security of your private keys and your Third Party Wallet and your MoonPay Wallet (collectively, the “Wallets”). You acknowledge and agree, without prejudice to any other terms in this Agreement, that you bear all of the risk of any loss of access to your Wallets and any Digital Asset contained in your Wallets. MoonPay is not liable for fluctuations in the fiat currency value of Digital Assets in your Wallets. You are solely responsible for any and all transfer initiations that are initiated through such Wallets and we make no, and hereby disclaim all, representations, warranties, claims and assurances as to any transfer initiations. If you lose your keys to your Wallet, you may lose access to your Wallet and any Digital Assets contained in your Wallet.

5. NFT SPECIFIC TERMS. This outlines terms that are specific to buying and selling NFTs.

1. Notwithstanding anything to the contrary in this Agreement, if you are using the NFT Checkout and are purchasing an NFT from a third party, MoonPay may facilitate the purchase and delivery of the NFT to a Wallet.

2. We do not endorse any NFT in any way. We do not verify the authenticity and do not review (or approve) of any NFT. NFT sellers may make claims about intellectual property ownership, rarity and uniqueness, and value. It is solely your responsibility to investigate and determine the authenticity of any NFT you are considering buying, along with the accuracy of the claims made by the NFT seller. The NFT seller also determines the price, and that price may not be the true market value of the NFT. The rarity and true market value of the NFT may be subject to change, especially if minting is ongoing. MoonPay makes no representations with respect to any NFT to be purchased. You should not assume that purchasing an NFT gives you any legal rights beyond mere ownership of the underlying blockchain asset. MoonPay makes no representations as to any auxiliary rights, benefits or rewards supposedly accompanying any NFT.

3. A transaction between a buyer and a seller takes place in a peer-to-peer fashion on a public blockchain. We do not guarantee that you will receive your NFT, as there are a number of reasons why transactions may fail. For example, network congestion, a technical blockchain issue or another buyer purchases that NFT before your transaction completes on the blockchain. In case your transaction fails, MoonPay will pay for any gas fees included in the transaction.

6. PROHIBITED USE. This outlines some of the things you cannot use the Services for.

1. You may not use your MoonPay Account or any of the Services to engage in the following categories of activity (“Prohibited Use”):

1. Unlawful Activity: Activity which would violate, or assist in violation of, any law, statute, ordinance, regulation, or sanctions programs administered in the countries where MoonPay conducts business, including but not limited to the U.S. Department of Treasury's Office of Foreign Assets Control ("OFAC"), or which would involve proceeds of any unlawful activity; publishing, distributing or disseminating any unlawful material or information.

2. Abusive Activity: Actions which impose an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information; transmit or upload any material to the MoonPay Site that contains viruses, trojan horses, worms, or any other harmful or deleterious programs; attempt to gain unauthorized access to the MoonPay Site, other MoonPay Accounts, computer systems or networks connected to the MoonPay Site, through password mining or any other means; use MoonPay Account information of another party to access or use the MoonPay Site, except in the case of specific merchants and/or applications which are specifically authorized by a user to access such user's MoonPay Account and information; or transfer your account access or rights to your account to a third party, unless by operation of law or with the express permission of MoonPay.

3. Abuse Other Users: Interfere with another individual’s or entity's access to or use of any MoonPay Services; defame, abuse, extort, harass, stalk, threaten or otherwise violate or infringe the legal rights (such as, but not limited to, rights of privacy, publicity and intellectual property) of others; harvest or otherwise collect information from the MoonPay Site about others, including without limitation email addresses, without proper consent.

4. Fraud: Activity which operates to defraud MoonPay, MoonPay users, or any other person; provide any false, inaccurate, or misleading information to MoonPay.

5. Unlawful Gambling: Lotteries; bidding fee auctions; sports forecasting or odds making; fantasy sports leagues with cash prizes; internet gaming; contests; sweepstakes; or games of chance that are unlawful.

6. Intellectual Property Infringement: Engage in transactions involving items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the law, including but not limited to sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder; use of MoonPay intellectual property, name, or logo, including use of MoonPay trade or service marks, without express consent from MoonPay or in a manner that otherwise harms MoonPay or the MoonPay brand; any action that implies an untrue endorsement by or affiliation with MoonPay.

7. Forbidden Activity: Transactions involving (a) narcotics, steroids, certain controlled substances or other products that present a risk to consumer safety, (b) drug paraphernalia, (c) cigarettes, (d) items that encourage, promote, facilitate or instruct others to engage in illegal activity, (e) stolen goods including digital and virtual goods, (f) the promotion of hate, violence, racial or other forms of intolerance that is discriminatory or the financial exploitation of a crime, (g) items that are considered obscene, (h) items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction, (i) certain sexually oriented materials or services, (j) ammunition, firearms, or certain firearm parts or accessories, or (k) certain weapons or knives regulated under applicable law.

8. Unacceptable Activity: Transactions that (a) show the personal information of third parties in violation of applicable law, (b) support pyramid or ponzi schemes, matrix programs, other "get rich quick" schemes or certain multi-level marketing programs, (c) are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card, (d) are for the sale of certain items before the seller has control or possession of the item, (e) are by payment processors to collect payments on behalf of merchants, (f) are associated with the sale of traveler's checks or money orders, (g) involve currency exchanges or check cashing businesses, (h) involve certain credit repair, debt settlement services, credit transactions or insurance activities, or (i) involve offering or receiving payments for the purpose of bribery or corruption.

7. REPRESENTATIONS AND WARRANTIES. This outlines the representations you are making to us.

1. You represent and warrant to us that you: (a) are not located in, under the control of, or a resident of any Restricted Location or any country to which the United States has embargoed goods and services; (b) are not identified as a “Specially Designated National” by the United States Treasury Department; and (c) will not use the Services if you are prohibited by any Applicable Law from doing so.

2. When accessing or using the Services, you agree that you are solely responsible for your conduct while accessing and using our Services. Without limiting the generality of the foregoing, you agree that you shall not:

1. use the Services in any manner that could interfere with, disrupt, negatively affect or inhibit other users from fully enjoying the Services, or that could damage, disable, overburden or impair the functioning of our Services in any manner;

2. use the Services to pay for, support or otherwise engage in any illegal activities, including, but not limited to illegal gambling, fraud, money laundering, or terrorist activities;

3. use any robot, spider, crawler, scraper or other automated means or interface not provided by us to access our Services or to extract data;

4. use or attempt to use another person’s MoonPay Account;

5. attempt to circumvent any content filtering techniques we employ, or attempt to access any service or area of our Services that you are not authorized to access;

6. introduce to the Services any virus, Trojan, worms, logic bombs or other harmful material;

7. develop any third-party applications that interact with our Services without our prior written consent;

8. provide false, inaccurate, or misleading information; or

9. encourage or induce any other person to engage in any of the activities prohibited under this Agreement.

3. We endeavor to verify the accuracy of any information displayed, supplied, passing through or originating from the Services, but such information may not always be accurate or current. We cannot and provide no guarantee whatsoever to the timeliness, accuracy or completeness of any information (whether pricing, exchange rate or otherwise) provided in connection with any Digital Asset or your holding or trading of or in the same. Accordingly, you should independently verify all information before relying on it, and any decisions or actions taken based upon such information are your sole responsibility and you assume all liability for any such decisions or actions.

4. MOONPAY DISCLAIMS ANY AND ALL PROMISES, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, DATA ACCURACY, SYSTEM INTEGRATION, TITLE, NON-INFRINGEMENT AND/OR QUIET ENJOYMENT, AND ANY SERVICES PROVIDED BY MOONPAY ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, (A) REGARDING THE CONTENTS OF THE SERVICES, INFORMATION AND FUNCTIONS MADE ACCESSIBLE THROUGH THE SERVICES, ANY HYPERLINKS TO THIRD PARTY WEBSITES, OR THE SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION THROUGH THE SERVICES, OR ANY WEBSITE LINKED TO THE SERVICES (B) THAT ACCESS TO THE SERVICES SHALL BE CONTINUOUS, UNINTERRUPTED, TIMELY, OR ERROR-FREE. EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, YOU ACKNOWLEDGE THAT MOONPAY MAKES NO WARRANTIES UNDER THIS AGREEMENT DIRECTLY FOR THE BENEFIT OF ANY END USER, AND THAT MOONPAY’S OBLIGATIONS UNDER THIS AGREEMENT ARE FOR THE BENEFIT OF YOU ONLY, AND NOT FOR THE BENEFIT OF ANY OTHER PERSON. IN ENTERING INTO THIS AGREEMENT, YOU REPRESENT THAT YOU HAVE NOT RELIED UPON ANY REPRESENTATION OR WARRANTY OF MOONPAY OR ITS AFFILIATES EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT.

8. INDEMNIFICATION AND LIMITATIONS OF LIABILITY. This outlines the responsibility and liability between us.

1. You agree to indemnify and hold harmless MoonPay, its affiliates, subsidiaries, directors, managers, members, officers, employees, and other customers, from any and all claims, demands, actions, damages, losses, costs or expenses, including without limitation, reasonable legal fees, arising out of or relating to your or any other person’s use of your credentials or MoonPay Account in connection with: (a) use of the Services; (b) breach of this Agreement or any other agreement or policy; (c) false, incomplete, or misleading information relied upon by us to verify your identity and source of funds, where applicable; (d) violation of any Applicable Law; or (e) violation of any rights of any other person or entity; provided however, that you shall not indemnify MoonPay for claims or losses arising out of MoonPay’s gross negligence or willful misconduct as determined by final order of a court of competent jurisdiction. This indemnity shall apply to your successors and assigns and shall survive any termination or cancellation of this Agreement.

2. Limitation of Liability

1. MoonPay shall not be liable to you or anyone else for any loss caused in whole or part by any inaccuracies or incompleteness, delays, interruptions, errors or omissions, including, but not limited to, those arising from the negligence of MoonPay or contingencies beyond its control in procuring, compiling, interpreting, computing, reporting, or delivering the Services thereon or the information therein. In no event will MoonPay be liable to you or anyone else for any decision made or action taken by you in reliance on, or in connection with your use of the Services or the information therein.

2. IN NO EVENT SHALL MOONPAY, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, EMPLOYEES OR REPRESENTATIVES, BE LIABLE FOR MORE THAN THE LOWER OF (I) THE VALUE OF THE DIGITAL ASSET AT ISSUE AND (II) $20,000 USD

3. IN NO EVENT SHALL MOONPAY, ITS AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, EMPLOYEES OR REPRESENTATIVES, BE LIABLE FOR ANY LOST PROFITS OR ANY SPECIAL, INCIDENTAL, INDIRECT, INTANGIBLE, PUNITIVE OR CONSEQUENTIAL DAMAGES, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, OR THE AUTHORIZED OR UNAUTHORIZED USE OF THE SERVICES, EVEN IF MOONPAY HAD BEEN ADVISED OF, KNEW OF, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU BASED ON YOUR JURISDICTION OR THE GOVERNING LAW.

4. UNDER NO CIRCUMSTANCES SHALL WE BE REQUIRED TO DELIVER TO YOU ANY DIGITAL ASSETS AS DAMAGES, OR SHALL YOU BE ENTITLED TO SPECIFIC PERFORMANCE OR ANY OTHER SIMILAR REMEDY. YOU AND WE AGREE THAT ANY CALCULATIONS OF DAMAGES BASED IN ANY WAY ON THE VALUE OF DIGITAL ASSETS SHALL BE BASED ON THE LOWEST VALUE OF THE DIGITAL ASSETS DURING THE PERIOD BETWEEN THE ACCRUAL OF THE CLAIM AND THE AWARD OF DAMAGES.

5. WE SHALL NOT BE LIABLE FOR ANY DAMAGES CAUSED IN WHOLE OR IN PART BY (A) THE MALFUNCTION, UNEXPECTED FUNCTION OR UNINTENDED FUNCTION OF ANY COMPUTER OR CRYPTOCURRENCY NETWORK, INCLUDING WITHOUT LIMITATION LOSSES ASSOCIATED WITH VIRUSES, NETWORK FORKS, REPLAY ATTACKS, DOUBLE-SPEND ATTACKS, SYBIL ATTACKS, 51% ATTACKS, GOVERNANCE DISPUTES, MINING DIFFICULTY, CHANGES IN CRYPTOGRAPHY OR CONSENSUS RULES, HACKING OR CYBERSECURITY BREACHES; (B) THE CHANGE IN VALUE OF ANY CRYPTOCURRENCY; (C) ANY CHANGE IN LAW, REGULATION OR POLICY, OR (D) FORCE MAJEURE EVENT (INCLUDING BUT NOT LIMITED TO (I) ACTS OF GOD, NATURE, COURT OR GOVERNMENT; (II) FAILURE OR INTERRUPTION IN PUBLIC OR PRIVATE TELECOMMUNICATION NETWORKS, COMMUNICATION CHANNELS OR INFORMATION SYSTEMS; (III) ACTS OR OMISSIONS OF ACTS OF A PARTY FOR WHOM MOONPAY IS NOT RESPONSIBLE; (IV) DELAY, FAILURE, OR INTERRUPTION IN, OR UNAVAILABILITY OF, THIRD PARTY SERVICES AND SITES; (V) STRIKES, LOCK-OUTS, LABOUR DISPUTES, WARS, TERRORIST ACTS AND RIOTS; AND (VI) VIRUSES, MALWARES, OTHER MALICIOUS COMPUTER CODES OR THE HACKING OF MOONPAY’S SYSTEMS).

6. THE LIMITATIONS OF LIABILITY IN THIS SECTION ARE INTENDED TO APPLY WITHOUT REGARD TO WHETHER OTHER PROVISIONS OF THIS AGREEMENT HAVE BEEN BREACHED OR HAVE PROVEN INEFFECTIVE.

7. Any and all of our indemnities and warranties (whether express or implied) are hereby excluded to the fullest extent permitted under law except as set forth in this Agreement. Nothing in this Agreement excludes or limits liability which may not be limited or excluded under Applicable Law.

9. GENERAL PROVISIONS. This outlines general and miscellaneous terms that apply to your use of the Services.

1. In connection with using the Services, you access or view content or services provided by third parties, including links to web pages and services of such parties (“Third Party Content”). We do not control, endorse or adopt any Third Party Content. We have no responsibility for Third Party Content, including, without limitation, material that may be misleading, incomplete, erroneous, offensive, indecent or otherwise objectionable in your jurisdiction. In addition, your dealings or correspondence with such third parties are solely between you and the third party. We are not responsible or liable for any loss or damage of any sort incurred as a result of any such dealings and your use of Third Party Content is at your own risk.

2. Unless otherwise indicated by us, the Services and any other material or content provided by MoonPay, and all intellectual property rights therein, are the property of MoonPay or our licensors or suppliers. We do not give any implied license for the use of the contents of the Services. You accept and acknowledge that the material and content contained in or delivered by the Services is made available for your personal, lawful, non-commercial use only and that you may only use such material and content for the purpose of using the Services as set forth in this Agreement. Any rights not expressly granted in this Agreement to use the materials contained on or through the Services are reserved by MoonPay in full.

3. If you provide any suggestions, ideas, feedback, or recommendations to us regarding the Services (“Feedback”), we may use this Feedback for any purpose and without any obligation to you. By providing us with Feedback, you give us a worldwide, perpetual, irrevocable, transferable, sublicensable, fully-paid and royalty-free license to use and exploit in any manner any and all Feedback. By submitting Feedback, you waive any legal or other rights to the fullest extent permitted under law. In responding to Feedback, we shall use commercially reasonable efforts to supply email-based support services, but cannot guarantee immediate responses, especially during times of high volume.

4. While using our Services, you may obtain or otherwise become aware of Confidential Information about us. You may only use this Confidential Information as necessary to exercise your rights or perform your obligations in this Agreement. You agree to hold the Confidential Information in strict confidence, and to take reasonable steps to protect this Confidential Information from being accessed by unauthorized individuals, entities or other third-parties. You agree to not copy or reverse engineer, or remove any proprietary markings from any Confidential Information. You may share our Confidential Information with legal, governmental or regulatory authorities only if required by Applicable Law to do so, provided you will notify us of the request, if Applicable Law allows it.

5. A party’s failure or delay to enforce, or partially enforce, any provision of this Agreement shall not be construed as a waiver of any rights.

6. In no event shall a party be considered in breach of this Agreement to the extent the party’s obligations are prevented or delayed, directly or indirectly, by a Force Majeure Event, and the party’s period of time for performance shall be extended until such event has ended.

7. In the event that any provision of this Agreement is unenforceable under Applicable Law, the validity or enforceability of the remaining provisions will not be affected. To the extent any provision of this Agreement is judicially determined to be unenforceable, a court of competent jurisdiction may reform any such provision to make it enforceable. The provisions of this Agreement will, where possible, be interpreted so as to sustain its legality and enforceability.

8. This Agreement shall be binding on your successors, heirs, personal representatives, and assignees. You may not assign or transfer any of your rights or obligations under this Agreement without prior written consent of MoonPay, which may be withheld at MoonPay’s sole discretion. We may assign rights or delegate duties under this Agreement at our sole discretion.

9. You and MoonPay are independent contractors for the purposes of this Agreement. Nothing in this Agreement shall create any partnership, joint venture, agency, or consultancy.

10. This Agreement, along with the Supplemental Agreements, constitute the entire agreement among the parties with respect to the subject matter described in this Agreement and shall.

11. For technical support requests only, you may submit a request via our Support tool at: unknown node. For purposes other than technical support requests, you may contact us by registered post or courier: 8 The Green, Suite B, Dover, DE 19901. For Law Enforcement requests please direct your official document to our compliance team here. Please note, however, that all formal legal documents and claims must be formally and properly served on the correct MoonPay entity according to Applicable Law.

12. This Agreement and your access to and use of the Services shall be governed by and construed and enforced in accordance with the laws of the State of New York (without regard to conflict of law rules or principles of the State of New York, or any other jurisdiction that would cause the application of the laws of any other jurisdiction). Any dispute between the parties that is not subject to arbitration as set forth in Section 10 or cannot be heard in small claims court, shall be resolved in the state or federal courts of New York County in the State of New York, and the United States, respectively, sitting in the State of New York.

10. DISPUTE RESOLUTION. This outlines how disputes are handled between us. THIS SECTION 10 OF THIS AGREEMENT WILL BE REFERRED TO AS THE “ARBITRATION AGREEMENT.” Please read this Section 10 carefully. It requires that any and all claims between you and MoonPay be resolved by binding arbitration or in small claims court and, to the extent permitted by applicable law, prevents you from pursuing a class action or similar proceeding in any forum. If you are outside the United States, and attempt to bring a claim in one of those countries, arbitration is required for determination of the threshold issue of whether this Section 10 applies to you, as well as all other threshold determinations, including residency, arbitrability, venue, and applicable law. If your country of residence does not enforce arbitration agreements, the mandatory pre-arbitration dispute resolution and notification and prohibition on class actions or representative proceedings provided below still apply to the extent enforceable by law.

1. Scope of Arbitration Agreement. This Arbitration Agreement shall apply, without limitation, to all claims that arose or were asserted before, on, or after the effective date of this Agreement. You agree that any dispute or claim arising out of or relating in any way to the subject matter of the Agreement, to your access or use of the Services, to any advertising or marketing communications regarding MoonPay or the Services, to any products or services sold or distributed through the Services that you received, or to any aspect of your relationship or transactions with MoonPay, will be resolved by binding arbitration, rather than in court, except as otherwise required by law or as otherwise provided in this Arbitration Agreement. In addition, to the extent permitted by applicable law, either you or MoonPay may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents). Either you or MoonPay may also, to the extent permitted by applicable law, apply to a court of competent jurisdiction for temporary or preliminary injunctive relief on the ground that without such relief the arbitration provided in this paragraph may be rendered ineffectual. You may assert claims in small claims court if your claims qualify, so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis.

2. CASES HAVE BEEN FILED AGAINST MOONPAY—AND OTHERS MAY BE FILED IN THE FUTURE—THAT ATTEMPT TO ASSERT CLASS ACTION CLAIMS, AND BY ACCEPTING THIS ARBITRATION AGREEMENT YOU ELECT NOT TO PARTICIPATE IN SUCH CASES.

3. IF YOU AGREE TO ARBITRATION WITH MOONPAY, YOU ARE AGREEING IN ADVANCE THAT YOU WILL NOT PARTICIPATE IN OR SEEK TO RECOVER MONETARY OR OTHER RELIEF IN ANY SUCH CLASS, COLLECTIVE, AND/OR REPRESENTATIVE LAWSUIT. INSTEAD, BY AGREEING TO ARBITRATION, YOU MAY BRING YOUR CLAIMS AGAINST MOONPAY IN AN INDIVIDUAL ARBITRATION PROCEEDING. IF SUCCESSFUL ON SUCH CLAIMS, YOU COULD BE AWARDED MONEY OR OTHER RELIEF BY AN ARBITRATOR.

4. Informal Resolution. You and MoonPay agree that good-faith informal efforts to resolve disputes often can result in a prompt, low-cost, and mutually beneficial outcome. You and MoonPay therefore agree that, before either you or MoonPay demands or attempts to commence arbitration against the other, we will personally meet and confer, via telephone or videoconference, in a good-faith effort to resolve informally any claim covered by this mutual Arbitration Agreement. For sake of clarification only, the informal dispute resolution conferences shall be individualized such that a separate conference must be held each time either party intends to commence individual arbitration; multiple individuals initiating claims cannot participate in the same informal telephonic dispute resolution conference, unless mutually agreed to by the parties. If you are represented by counsel, your counsel may participate in the conference, but you shall also fully participate in the conference. The party initiating the claim must give notice to the other party in writing of their intent to initiate an informal dispute resolution conference, which shall occur within 60 days after the other party receives such notice, unless an extension is mutually agreed upon by the parties. To notify MoonPay that you intend to initiate an informal dispute resolution conference, email unknown node, providing your name, telephone number associated with your MoonPay account (if any), the email address associated with your MoonPay account, and a description of your claim. In the interval between the party receiving such notice and the informal dispute resolution conference, the parties shall be free to attempt to resolve the initiating party’s claims. Engaging in an informal dispute resolution conference is a requirement that must be fulfilled before commencing arbitration. The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the informal dispute resolution process required by this paragraph.

5. Arbitration Rules and Forum

1. This Arbitration Agreement is governed by the Federal Arbitration Act (“FAA”) in all respects. If for whatever reason the rules and procedures of the FAA cannot apply, the state law governing arbitration agreements in the state in which you reside shall apply. Before a party may begin an arbitration proceeding, that party must send notice of an intent to initiate arbitration and certify completion of the informal dispute resolution conference pursuant to Section 10.4. If this notice is being sent to MoonPay, it must be sent by email to the counsel who represented MoonPay in the informal dispute resolution process, or if there was no such counsel, then by mail to General Counsel, at [address]. The arbitration will be conducted by ADR Services, Inc. under its rules and pursuant to the terms of this Agreement. Once the notice certifying completion of the informal dispute resolution conference has been served, the party seeking to arbitrate must then file their arbitration demands with ADR Services, Inc. The demand must include (A) the name, telephone number, mailing address, and email address of the party seeking arbitration; (B) a statement of the legal claims being asserted and the factual bases of those claims; (C) a description of the remedy sought and an accurate, good-faith calculation of the amount in controversy, enumerated in United States Dollars (any request for injunctive relief or attorneys’ fees shall not count toward the calculation of the amount in controversy unless such injunctive relief seeks the payment of money); and (D) the signature of the party seeking arbitration. Disputes shall be subject to ADR Services, Inc.’s most current version of its Arbitration Rules, available as of February 3, 2023 at unknown node or by calling ADR Services, Inc. at 310-201-0010. The fees that shall apply to arbitrations administered by ADR Services, Inc. are set forth on ADR Services, Inc.’s website, available as of February 3, 2023 at unknown node Specifically, the fees set forth in ADR Services, Inc.’s Mass Consumer Non-Employment Arbitration Fee Schedule shall apply when twenty (20) or more arbitration claims are filed which: (X) involve the same or similar parties; (Y) are based on the same or similar claims which arise from the same or substantially identical transactions, incidents, or events requiring the determination of the same or substantially identical questions of law or fact; and (Z) involve the same or coordinated counsel for the parties. In all other circumstances, the fees set forth in ADR Services, Inc.’s General Fee Schedule shall apply, except that MoonPay will pay the portion of the initial case opening fees (if any) that exceeds the filing fee to file the case in a court of competent jurisdiction embracing the location of the arbitration. Payment of all filing, administration, and arbitration fees will be governed by ADR Services, Inc.’s rules. If the arbitrator finds that you cannot afford to pay ADR Services, Inc.’s filing, administrative, hearing, and/or other fees and cannot obtain a waiver of fees from ADR Services, Inc., MoonPay will pay them for you. Any finding that a claim or counterclaim violates the standards set forth in Federal Rule of Civil Procedure 11 shall entitle the other party to recover their attorneys’ fees, costs, and expenses associated with defending against the claim or counterclaim. If a party timely serves an offer of judgment under Federal Rule of Civil Procedure 68 or a state or local equivalent, if applicable, and the judgment that the other party finally obtains is not more favorable than the unaccepted offer, then the other party shall pay the costs, including filing fees, incurred after the offer was made.

2. If ADR Services, Inc. is not available to arbitrate, the parties will mutually select an alternative arbitral forum. To the extent there is a dispute over which arbitration provider shall administer the arbitration, only a court (and not an arbitrator or arbitration administrator) can resolve that dispute, and the arbitration shall be stayed until the court resolves that dispute. You may choose to have the arbitration conducted by telephone, video conference, or in person in the county where you live or at another mutually agreed location. The parties agree that all of the arbitration proceedings, including any discovery, hearings, and rulings, shall be confidential to the fullest extent permitted by applicable law. If at any time the arbitrator or arbitration administrator fails to enforce the terms of this Agreement, either party may seek to enjoin the arbitration proceeding in court, and the arbitration shall automatically be stayed pending the outcome of that proceeding.

3. If the arbitration award includes any injunction or a monetary award that exceeds $100,000, then either party shall have the right to appeal that award to an arbitration appellate panel. The notice of appeal must be served, in writing, on the opposing party within fourteen (14) days after the award has become final. ADR Services shall administer the appeal consistent with the JAMS Optional Arbitration Appeal Procedures, available as of February 3, 2023 at unknown node

6. Arbitrator Powers. The arbitrator, and not any federal, state, provincial, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this Arbitration Agreement including, but not limited to, any claim that all or any part of this Arbitration Agreement is void or voidable, to the extent permitted by applicable law, except with respect to Section 10.8 below (Waiver of Class, Consolidated, and Representative Actions; Waiver of Public Injunctive Relief), the enforceability of which can only be determined by a court. All disputes regarding the payment of arbitrator or arbitration-organization fees, including the timing of such payments and remedies for nonpayment, shall be determined exclusively by an arbitrator, and not by any court or arbitration administrator. The arbitration will decide the rights and liabilities, if any, of you and MoonPay. Except as expressly agreed to in Section 10.9 of this Agreement (Batch), the arbitration proceeding will not be consolidated with any other matters or joined with any other proceedings or parties. The arbitrator may issue orders (including subpoenas to third parties, to the extent permitted by law) allowing the parties to conduct discovery sufficient to allow each party to prepare that party's claims and/or defenses, taking into consideration that arbitration is designed to be a speedy and efficient method for resolving disputes. For example, the arbitrator shall preclude oral discovery of either party’s current or former high-level officers absent a showing that the officer has unique, personal knowledge of discoverable information and less burdensome discovery methods have been exhausted. The arbitrator will have the authority to grant motions dispositive of all or part of any claim or dispute. The arbitrator will have the authority to award, on an individual basis, monetary damages and to grant any non-monetary remedy or relief available to an individual under applicable law, the arbitral forum’s rules, and this Agreement (including this Arbitration Agreement). The arbitrator will issue a written statement of decision describing the essential findings and conclusions on which any award (or decision not to render an award) is based, including the calculation of any damages awarded. The award shall be binding only among the parties and shall have no preclusive effect in any other arbitration or other proceeding involving a different party. The arbitrator shall follow the applicable law. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The arbitrator’s decision is final and binding on you and MoonPay.

7. Waiver of Jury Trial. TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND MOONPAY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO SUE IN COURT AND RECEIVE A JUDGE OR JURY TRIAL. You and MoonPay are instead electing to have all disputes resolved by arbitration, except as specified in Section 10(a) above. There is no judge or jury in arbitration, and court review of an arbitration award is limited.

8. Waiver of Class, Consolidated, and Representative Actions; Waiver of Public Injunctive Relief. EXCEPT AS EXPRESSLY AGREED TO IN SECTION 10.9 OF THIS AGREEMENT AND TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AND MOONPAY AGREE TO WAIVE ANY RIGHT TO RESOLVE CLAIMS WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, COLLECTIVE, OR REPRESENTATIVE BASIS EXCEPT AS SET FORTH IN SECTION 10.9. CLAIMS OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER EXCEPT AS SET FORTH IN SECTION 10.9. In any case in which (1) the dispute is filed as a class, collective, or representative action and (2) a civil court of competent jurisdiction finds all or part of the Waiver of Class, Consolidated, and Representative Actions is unenforceable, the class, collective, or representative action must be litigated in a civil court of competent jurisdiction, but the portion of the Waiver of Class, Consolidated, and Representative Actions that is enforceable shall be enforced in arbitration. The portion of such dispute proceeding in court shall be stayed pending the conclusion of the arbitration. Notwithstanding any other provision in this Agreement, any claim that all or part of the waivers set forth in Section 10.9 is unenforceable, unconscionable, void, or voidable may be determined only by a court of competent jurisdiction and not by an arbitrator. This provision does not prevent you or MoonPay from settling claims on a class, collective, or representative basis.

9. Batch Arbitrations. To the extent permitted by applicable law, to increase efficiency of resolution, in the event 100 or more similar arbitration demands against MoonPay, presented by or with the assistance or involvement of the same law firm or organization, are submitted to an arbitration provider selected in accordance with the rules described above within a 30-day period: (A) the parties shall cooperate to group the arbitration demands into randomized batches of no more than 100 demands per batch (plus, to the extent there are fewer than 100 arbitration demands left over after the batching described above, a final batch consisting of the remaining demands); (B) claimants’ counsel shall organize and present the batched demands to the arbitration provider in a format as directed by the arbitration provider; (C) the arbitration provider shall provide for resolution of each batch as a single arbitration with one set of filing and administrative fees and one arbitrator assigned per batch; and (D) the arbitration provider shall send one set of disclosures per batch and will set up one Arbitration Management Conference per batch. You agree to cooperate in good faith with MoonPay and the arbitration provider to implement such a batch approach to resolution and fees. Disagreements over the applicability of this batch arbitration process will be settled in a single, consolidated arbitration proceeding that includes all affected parties and is resolved by a single arbitrator subject to the requirements of this section. Notwithstanding any provision in the Agreement to the contrary, batch arbitrations shall take place in San Francisco, California or, if the parties prefer, by video conference. The parties may also agree to conducting arbitration based on written submissions alone.

10. Opt Out. MoonPay’s updates to this Agreement do not provide a new opportunity to opt out of the Arbitration Agreement for customers or Users who had previously agreed to a version of this Agreement, and did not validly opt out of arbitration. MoonPay will continue to honor the valid opt outs of customers who validly opted out of the requirement to use arbitration in a prior version of this Agreement. If you are a customer who creates a MoonPay Account for the first time on or after the effective date of this Agreement, you may opt out of this Arbitration Agreement. If you do so, neither you nor MoonPay can force the other to arbitrate as a result of this Agreement. To opt out, you must notify MoonPay in writing no later than 30 days after first becoming subject to this Arbitration Agreement. Your notice must include your name and address, your MoonPay username (if any), the email address you currently use to access your MoonPay account (if you have one), and a clear statement that you want to opt out of this Arbitration Agreement. You must send your opt-out notice to: unknown node. If you opt out of this Arbitration Agreement, all other parts of this Agreement will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may have entered into with us or may enter into in the future with us.

11. Survival. This Arbitration Agreement will survive any termination of your relationship with MoonPay.

12. Modification. Notwithstanding any provision in the Agreement to the contrary, we agree that if MoonPay makes any future material change to this Arbitration Agreement, it will not apply to any individual claim(s) that you had already provided notice of to MoonPay.

13. Entire Agreement; Severability. This Arbitration Agreement is the full and complete agreement relating to the formal resolution of disputes covered by this Arbitration Agreement. In the event any portion of this Arbitration Agreement is deemed unenforceable, the remainder of this Arbitration Agreement will be enforceable, and the remainder of the Agreement shall be unmodified.

11. E-SIGN DISCLOSURE AND CONSENT. This outlines your agreement to electronically sign agreements.

1. Scope of Communications to Be Provided in Electronic Form. You understand and agree that we may provide you with any or all of the following types of communications electronically: (a) legally required disclosures, notices and other communications associated with your access to or use of the Services, including, but not limited to information about fees or charges, and any and all legally required pre- and post-transaction disclosures; (b) customer service communications; (c) privacy policies and notices; (d) changes to this Agreement, (e) statements, information and records regarding your transactions; (f) information regarding the debiting or charging, as applicable of your selected payment method; (g) any and all legally required error resolution policies, and responses to claims filed in connection with your access to or use of the Services; (h) any other communications related to your access to and/or use of the Services, and (i) with your consent, marketing and other promotional communications (collectively, “Communications”).

2. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this Agreement and any other Communication that is important to you.

3. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided either (i) via email, (ii) by access to a web site that we will designate in an email notice we send to you at the time the information is available, or (iii) to the extent permitted by law, on the MoonPay website or via SMS text message. You agree to promptly review all Communications sent to you, and that these are reasonable procedures for sending and receiving electronic communications.

4. How to Update Your Records. To receive electronic Communications, at the time that you first use the Services, you must provide us with a true, accurate and complete email address and your contact information, and you must promptly notify us of any changes to this information. You can update information (such as your email address) through the Site.

5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have an electronic device that enables access to your email account or a commercially available Internet browser. You may wish to utilize a device that is capable of storing or printing the Communications for your records.

6. Requesting Paper Copies. If you have consented to receive electronic Communications, we will not send you a paper copy of any Communication unless we deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically. You may obtain a paper copy of any legally-required Communications and or agreements. You may request such a paper copy by visiting https://support.moonpay.com/hc/en-gb or contacting us at unknown node.

7. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form at any time by visiting https://support.moonpay.com/hc/en-gb or contacting us at unknown node. Any withdrawal of your consent to receive electronic Communications will be effective only after we have received your request your request for withdrawal and have a reasonable period of time to process such request. In the meantime, you will continue to receive Communications in electronic form. By withdrawing your consent, you will no longer be able to use the Services. Withdrawing consent to receive marketing communications only does not preclude use of the Services, however. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected, and your previous electronic records will remain accessible for such period as is required under law and in a form that allows the record to be accurately reproduced to all persons who are entitled under law to access the record.

8. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”), and that you and we both intend that the E-Sign Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

9. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

12. DEFINITIONS. This outlines some of the capitalized terms used in this Agreement.

1. “Compliance Program” means the requirements set by MoonPay for collecting, verifying, recording and reporting information about you, upon first accessing certain Services and on an ongoing basis, whether for our business risk-management purposes or to comply with legal requirements applicable to us.

2. “Concierge” means the MoonPay service that provides certain high net worth individuals (HNIs) with the ability to purchase NFTs. Concierge is currently invite-only.

3. “Confidential Information” includes information about the our business, including product designs, product plans, software and technology, financial information, marketing plans, business opportunities, pricing information, discounts, inventions, and know-how, to the extent disclosed to you in connection with your use of the Services, and all other information that you knew, or reasonably should have known, was Confidential Information. Confidential Information includes trade secrets as defined under applicable law (which includes the Uniform Trade Secrets Act). Confidential Information does not include information that: (a) is independently developed; (b) is or becomes public knowledge through no breach of this Agreement; or (c) is received from a third party under circumstances that do not create a reasonable suspicion that such information has been misappropriated or improperly disclosed.

4. “Digital Asset” means any digital asset, NFT, tokenised asset, and Digital Currency. Digital Asset does not include a derivative of a Digital Currency, or a security, as defined under Applicable Law.

5. “Force Majeure Event” means any event beyond the party’s reasonable control, including, but not limited to, flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, power failure, failure in bank performance, or equipment or software malfunction including network splits or “forks” or unexpected changes in a computer network upon which the Services rely.

6. “MoonPay Account” means an account in a customer’s name kept by MoonPay for the benefit of such a customer for use in connection with the Services. For the avoidance of doubt, no MoonPay Account is associated with a Wallet unless on terms explicitly set out in this Agreement the Wallet is linked to one of the foregoing services.

7. “NFT” means the blockchain asset defining a non-fungible token, on an underlying blockchain that represents ownership of images, videos, audio files, and other forms of media or ownership of physical or digital property.

8. “NFT Checkout" means the service offered by MoonPay that facilitates the purchase of NFTs with major fiat payment methods.

9. “On Ramp” means the service offered by MoonPay whereby the customer is able to purchase Digital Assets with major fiat payment methods or swap for other Digital Assets, subject to sanctions, AML / CFT and anti-fraud controls. Once a customer “Buy Order” has been properly authorized, MoonPay delivers the purchased Digital Assets to the wallet address nominated by the customer, subject to internal controls.

10. “Off Ramp” means the service offered by MoonPay whereby the customer sells Digital Assets to Moonpay or swap for other Digital Assets, subject to sanctions, AML/CFT and anti-fraud controls. For a “Sell Order”, once Digital Assets to be sold are received, MoonPay immediately converts the Digital Assets into the user’s desired fiat currency and remits to their bank account, or to the desired Digital Asset, in the case of a swap.

11. “Restricted Location” means any country, US state and territory not supported by MoonPay, in addition any sanctioned country according to the up-to-date lists of the US Office of Foreign Assets Control (OFAC), the United Nations, the European Union and any EU Member State, HM Treasury (UK) or equivalent authority.

13. DIGITAL ASSET DISCLOSURES AND RISK FACTORS. This outlines some of the risks with Digital Assets.

1. As with any asset, the value of Digital Assets can go up or down and there can be a substantial risk that you lose money buying, selling, holding, or investing in Digital Assets. You should carefully consider whether buying, selling, trading or holding Digital Assets is suitable for you in light of your financial condition.

2. A schedule of the types of MoonPay fees, which may vary on a per transaction basis, can be found on our Pricing and Fees Disclosures page here. If you are referred to us via a Partner Site, you may be charged a dynamic fee as part of the transaction. We will always notify you of the pricing and fees which apply to your transaction before you authorize the transaction and in each receipt we issue to you.

3. Digital Assets are not legal tender, are not backed by the government, and accounts and value balances are not subject to Federal Deposit Insurance Corporation or Securities Investor Protection Corporation protections. For the avoidance of doubt, MoonPay does not hold or custody your Digital Assets.

4. Transactions in Digital Assets may be irreversible, and, accordingly, losses due to fraudulent or accidental transactions may not be recoverable. Once you send Digital Assets to an address, you may lose access to your Digital Assets temporarily or indefinitely. For example, an address may have been entered incorrectly, or an address may belong to an entity that will not return your Digital Assets. Digital Assets mistakenly sent to an address that we do not control may not be recoverable. MoonPay is responsible or liable for erroneous, accidental, or unauthorized Digital Asset transfers that you effectuate.

5. The nature of Digital Assets may result in an increased risk of fraud, theft, hack or cyber attack.

6. MoonPay may provide educational information about Digital Assets in order to assist users in learning more about such Digital Assets. Information may include, but is not limited to, blog posts, articles, links to third-party content, news feeds, tutorials, and videos. The information provided through the MoonPay Services does not constitute investment, tax, legal, or other professional advice. MoonPay does not recommend, suggest, advise or endorse that you purchase or sell Digital Assets, or make any purchase of any good or service. Before engaging in any transaction or any other activity, you should consult a qualified professional. MoonPay is not registered with the U.S. Securities and Exchange Commission and does not offer securities services in the United States or to U.S. persons.

7. You acknowledge that (a) you are solely responsible for determining the nature, potential value, suitability, and appropriateness of these risks for you; (b) you are familiar with the operation of Digital Asset buying, selling and trading, and have the experience required to use the Services; and (c) you assume all liability and responsibility for determining whether using the Services is legal in your jurisdiction and you agree to not use any of the Services if your use is illegal or otherwise prohibited or limited by any rule or regulation. Your use of the Services requires you to assume all attendant risks and MoonPay expressly disclaims any and all liability or responsibility for any such risks. In this Agreement, we list some of the potential risks of your use of the Services and Digital Assets but this list is not intended to cover all potential risks or otherwise be comprehensive and you acknowledge that you may be subject to and liable to significant other potential risks.

8. Hardware, software or connections required to interact with a Digital Assets network might fail or succumb to malware, unauthorized access or malicious attacks. Third parties may obtain unauthorized access to the Services, including, but not limited to, your public and private keys. MoonPay shall not be liable or responsible whatsoever for any communication failures, disruptions, errors, distortions or delays or other potential adverse events or adverse consequences you may experience when using the Services, however caused.

9. Unknown vulnerabilities in or unanticipated changes to the network protocol may cause losses to you or others. MoonPay has no control over any cryptocurrency network and shall not be liable or responsible whatsoever for any harm occurring as a result of the inability to reverse a transaction, and any losses in connection therewith due to erroneous or fraudulent actions or other potential adverse events or adverse consequences you may experience.

10. When placing an order to buy or sell a Digital Asset, your order will be promptly executed at the price as offered by MoonPay. MoonPay does not make any representation, warranty or guarantee that the prices offered by MoonPay are fair market value, and may, at times, be materially higher or lower than prices available on other platforms or Digital Asset exchanges. The price you are offered by MoonPay may depend on the affiliate partner you purchase through and upon the size of your order. Additionally, the timing of transactions may be affected by matters in the blockchain and the application of the relevant protocols. MoonPay shall not be liable or responsible whatsoever for any such price differences or other potential adverse events or adverse consequences you may experience. Under certain market conditions you may find it difficult to liquidate a position. In such circumstances, the market may not have sufficient demand to meet your request to execute such a transaction.

11. Legislative, judicial and regulatory changes or actions at the State, Federal, or international level may adversely affect the use, transfer, exchange, and value of Digital Assets. It is possible that in the future, certain laws, regulations, policies or rules relating to Digital Assets may be implemented, which would directly or indirectly affect or restrict your interaction with MoonPay and your ability to use, transfer or exchange Digital Assets.

12. The value of a Digital Asset may be derived from the continued willingness of market participants to exchange fiat currency for Digital Assets, which may result in the potential for permanent and total loss of value of a particular Digital Asset should the market for that Digital Asset be materially adversely impacted or otherwise disappear.

13. There can be no assurance that a person who accepts a Digital Asset as payment today will continue to do so in the future.

14. The volatility and unpredictability of the price of Digital Assets relative to fiat currency may result in significant losses over a short period of time. In addition, price and liquidity are subject to significant fluctuations that may be unpredictable. The price (which can go up or down and even drop to zero) and liquidity of Digital Assets have been subject to large fluctuations in the past and may be subject to large fluctuations in the future.

15. By using the Services, you agree that the data sources that maintain your accounts and any third parties that interact with your credentials or account data in connection with our service are not liable for any loss, theft, compromise, or misuse whatsoever in connection with our services (including negligence), except to the extent such liability cannot be limited under Applicable Law.

16. Data sources make no warranties of any kind related to the data provided by our services, whether express, implied, statutory, or otherwise. No data provided by us is an official record of any of your accounts.

  1. STATE DISCLOSURES. This outlines regulatory disclosures related to our U.S. licenses.

U.S. state regulatory disclosures and license information can be found on our Licenses webpage, which is incorporated by reference to this Agreement.