Cookie Policy

The current version of this Privacy Policy is: October 2020

A. What are cookies

Cookies are a common practice with almost all professional company websites. Our website also uses cookies, which are described as tiny files that are saved to your web browser, this is done to improve your overall experience and to enable certain features, such as authentication.

This page will describes and outline what information wegather, how we use it and why we sometimes need to store these cookies. We will also share information on how you can prevent these cookies from being stored, however this may downgrade or 'break' certain elements of the site’s functionality.

Cookies can be classified into two description, one may be either "persistent" cookies or another "session" cookies.

1. Persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date. 2. Session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

1. Persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date. 2. Session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
HTTP Cookies.

B. Cookies used by our service providers

We use the help of Google Analytics to analyse the use way of our website works for the consumer. Google Analytics gathers information about website , through the means of cookies.

The information gathered relating to our website is used to create reports about the use of our website and how we might improve your overall experience. These cookies may also track things such as how long you spend on the site, and the pages that you visit during your search.

For your persual, Google's privacy policy is available at: https://www.google.com/policies/privacy/. To opt out of being tracked by Google Analytics, please click here: https://tools.google.com/dlpage/gaoptout.In addition, Cloudflare will add a security cookie to any domain or subdomain that is being proxied by our service.

C. Managing cookies

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). If you wish to disable the cookies, this may result in some functionality and features of this site being disabled.

D. Cookies that we use

If you do create an account with us, then we will use cookies for the management of the signup process, for general administration and for preventing abuse and misuse of our services.

If you do create an account with us, then we will use cookies for the management of the signup process, for general administration and for preventing abuse and misuse of our services.

When you submit data through a form such as those found on contact pages or comment forms, cookies may be set to remember your user details for future correspondence. In order to provide you with a great user friendly experiences on this site, we provide the functionality to set your preferences for how this site runs when you use it.

In order to remember your preferences, we need to set cookies to ensure that this information can be called whenever you interact with a page that is affected by your preferences.

We also run another program and as a part of it affiliates that advertise on our site and services. With the affiliate program we use tracking cookies to track users who visit our site through one of our affiliate partner sites in order to credit them appropriately, and where applicable, allow our affiliate partners to provide you any bonus for making a purchase.

m0ne s. r. o. – Refund Policy Guidelines

m0ne s. r. o., located at Hlavná 47, 930 35 Michal na Ostrove, registered under ID No.: 54661714, and recorded in the Commercial Register of the District Court Trnava, section: Sro, insert No. 51801/T, establishes these guidelines for managing the refund processes of financial resources sent to m0ne s. r. o. in connection with the services provided according to the criteria agreed in the User Agreement.

1. Payment Transaction Methods

• m0ne s. r. o. offers clients the possibility to make financial deposits through various payment channels.
• m0ne s. r. o. reserves the right to provide access to a specific payment method depending on the value of the client's account or based on specific conditions.

2. Refund Process

• m0ne s. r. o. commits to processing all withdrawal requests, including partial withdrawals, in accordance with the conditions set out in the User Agreement. m0ne s. r. o. also commits to promptly and efficiently processing all legitimate refund requests, emphasizing the highest possible level of service and customer satisfaction.
• m0ne s. r. o. reserves the right to require that the total value of the User's Account, including the value of virtual currencies, precisely match the value of any deposit, especially in the case of deposits made through debit or credit cards, up to 120 days from the credit of the deposit. In the case of an unauthorized refund request by the User, m0ne s. r. o. reserves the right to use available funds on the User's Account to compensate for all costs and damages incurred as a result of such unauthorized request, in full.
• Upon crediting a deposit to the account, the User expresses consent and provides an irrevocable mandate to m0ne s. r. o. to provide services according to the agreed conditions of the User Agreement. The User is fully aware that the provision of services by m0ne s. r. o. is directly affected by fluctuations in the prices of virtual currencies in the financial market, which is beyond the control of m0ne s. r. o. Consequently, the User is not entitled to withdraw from the User Agreement during the legally stipulated period of 14 days from the conclusion of the contract, in accordance with the provisions of Act No. 102/2014 Coll. on consumer protection in the sale of goods or provision of services on a distance or outside the premises of the seller and on amendments and supplements to certain acts.
• m0ne s. r. o. commits to diligently and professionally examining all refund requests related to the use of specific payment methods. Simultaneously, m0ne s. r. o. guarantees the refund of all legitimate and duly substantiated refund claims in accordance with the rules set out in this document and within the conditions of the User Agreement.

3. Process for Exercising the Right to Withdraw from the Contract

• The consumer may exercise the right to withdraw from the contract in writing or on another durable medium. The deadline for withdrawing from the contract is considered observed if the notification of withdrawal was sent to the seller no later than on the last day of the period set by law.

These guidelines are created to ensure compliance with the legal regulations of the Slovak Republic and transparency towards our clients in connection with the refund processes.

Partners AceChange of Terms of Service

The current version of this Privacy Policy is: October 2020

A.

The Partners of AceChange Terms of Service is meant to serve as a reminder, and does not replace, the current AceChange’s Terms & Conditions.

B.

If you are an agent you inherently will be accepting all risk and liabilities for any fraud incurred, through the sale of Cryptocurrency.

C.

All taxes incurred are to be paid and it is your sole responsibility.

D.

Information on our fees can be found here.

E.

AceChange will not reimburse you for any loses, resulting from fraud and our escrow fee will not be refunded.

F.

No brokering or use of gift cards is allowed, for any transaction on our website.

G.

Trades outside of escrow are NOT allowed. No exchange of outside contact information is allowed.

H.

You must be instantly responsive to your customers or else deactivate your offers.

I.

You must use the Report scam on completed trade page to report any scams, you may of encountered. Do not contact our support centre with requests to cancel trades. As an alternative you simply need to file a dispute and wait for a moderator.

J.

Advertisement of your own website, placed in any section of AceChange such as your bio, offer terms or trade chat where buying or selling Cryptocurrencys is conducted without AceChange escrow is strictly prohibited.

If you are a registered company, and is advertising your company name on our website is allowed. You are allowed to share your website that is created solely for the buyer to finish trade and that is tied to your AceChange trade escrow (i.e trusted 3rd party debit/credit card processing).

K.

Having numerous accounts within same payment method category is not allowed due to being against the rules, this will result in a permanent ban, of our services.

AceChange Privacy Policy

Privacy Policy In accordance with the Regulation of the European Parliament and of the Council (EU) 2016/679 of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation) (hereinafter referred to as "GDPR").

1. Data Protection Policy The security and privacy of your personal data are taken very seriously at m0ne S.R.O. These Data Protection Policies (hereinafter referred to as "Data Protection Policy") lay the foundation for processing all personal data obtained in connection with the conclusion and fulfillment of the User Agreement between you and m0ne S.R.O., as well as with the use of the m0ne S.R.O. Platform. Terms with initial capital letters not defined in this Data Protection Policy have the meanings set out in the User Agreement, which is available on the website https://www.acechange.io/legal#terms . This Data Protection Policy governs the acquisition, use, storage, and deletion of your personal data and provides you with information about your rights under the GDPR. For the purposes of the GDPR, the controller of any personal information we hold about you is m0ne s. r. o., a legal entity established in the Slovak Republic, with its registered office at: Hlavná 47 930 35 Michal na Ostrove, ID: 54661714, registered in the Commercial Register of the District Court Trnava, section: Sro, insert no. 51801/T. Any activity involving the processing of personal data is carried out in accordance with the GDPR and this Data Protection Policy. Please read this Data Protection Policy carefully to understand our views and practices regarding your personal data and how we handle it.

2. Data Protection Principles We Adhere To We process your personal data in accordance with the following principles set out by the GDPR:

(a) Legality, fairness, and transparency We process your personal data in a lawful, fair, and transparent manner.

(b) Purpose limitation We collect your personal data for specific, explicitly stated, and legitimate purposes, and do not process your personal data in a way that is incompatible with these purposes.

(c) Data minimization The personal data we process are adequate, relevant, and limited to what is necessary in relation to the purposes for which they are processed. (d) Accuracy We keep your personal data accurate and, where necessary, updated. (e) Storage limitation We keep your personal data in a form that allows identification of data subjects for no longer than is necessary for the purposes for which the personal data are processed.

(f) Integrity and confidentiality We ensure appropriate security of your personal data, including protection against unauthorized or unlawful processing and against accidental loss, destruction, or damage.

(g) Accountability We carry out any processing of your personal data responsibly and in compliance with the GDPR.

3. Sources and Scope of Personal Data We Process We primarily obtain your personal data directly from you. During the registration process and the establishment of an Account, you provide us with your email address (your login name) and set a password for the Account. After setting up the Account, and before we provide you with any Services, we will ask you to provide additional information for the purposes of verifying your identity, assessing risk, and investigating potential fraudulent activities, money laundering, financing of terrorism, or other financial crimes. In this context, we will particularly ask for Identification Data, for example, filling in your name, surname, and country of residence or domicile, for the purposes of fulfilling our legal obligations, especially obligations arising from the AML Law. Furthermore, we collect and process your payment information whenever you make a payment to us. If you provide us with bank account details, we will use them exclusively for collecting your payment to us and making our payments to you. Under the terms of the User Agreement, we may require additional information from you in connection with fulfilling our obligations under the AML Law, other legal regulations, or internal guidelines for the purposes of verifying your identity and assessing business risk in accordance with relevant legal regulations in the fight against money laundering, such as a copy of: (i) an identity document; in the case of a legal entity also identity documents of statutory bodies and identity documents of ultimate beneficial owners of the legal entity, (ii) confirmation of permanent residence or other authorized residence (e.g., properly issued invoice for utility delivery, or bank statement with identification details and consent address, extract from the register of residents, extract from the Commercial Register or similar register, (iii) a photo of your likeness along with clearly readable information from your identity document, and (iv) information about the source of the funds that are the subject of the Deposit according to the User Agreement. For these purposes, we may also use some information from public registries or other publicly available sources for the purpose of verifying your identity, assessing business risk, investigating potential fraudulent activities, money laundering , or other criminal activities. If you visit the Acechange.io Platform, we may automatically collect information about you by using Google Analytics to understand how you use the Acechange.io Platform. This information is collected and provided to us by Google LLC, as our data processor. If you do not wish Google Analytics to be used in your browser, you can install the Google Analytics Opt-Out Browser Add-On, or another similar tool.

4. Processing Your Personal Data

Compliance with Our Data Protection Policy

We use your personal data in accordance with this Data Protection Policy. Unless you give us your express consent, we will never provide your personal data to a third party.

Use of Personal Data

We may use your personal data only on the following legal bases:

(a) Fulfillment of the User Agreement We process your personal data if it is necessary for the conclusion, performance, modification, or termination of the User Agreement. In this regard, we process your name, surname, address, and bank account details. The conclusion and performance of the User Agreement is possible only after opening your Account, and therefore we also process your email address (your login name) and Account password. The duration of processing your personal data is determined by the duration of the User Agreement. We may continue processing your personal data even after termination of the Agreement based on another legal basis.

(b) Compliance with Legal Obligation

We process your personal data if it is necessary to fulfill our legal obligations. We process your personal data for the purpose of our compliance with applicable legal regulations concerning fraud detection, prevention of money laundering, and financing of terrorism, or any other criminal activity. In this context, we may ask you to upload a copy of your identity document (passport or ID card) and fill in the relevant Identification Data or provide other information in accordance with the User Agreement. We may provide your personal data further if necessary to comply with our legal obligations under laws, court decisions, or legal proceedings. The duration of processing your personal data is determined by the duration of specific legal obligations.

(c) Legitimate Interests We may also process your personal data when it is necessary for the purposes of our legitimate interests, except where such interests are overridden by your interests or fundamental rights and freedoms. Our legitimate interests include the following:

• Protection of our rights

We may retain your personal data if it is necessary to protect our rights under the User Agreement or applicable legal regulations. These personal data will be kept only for as long as necessary, which shall not exceed 10 years from the termination of the User Agreement.

• Fraud Prevention

We may retain your personal data if it is necessary for the purpose of preventing fraud that may cause harm to us and detriment to our interests, for a period of 5 years after the termination of the User Agreement.

• Claims Enforcement

We retain your personal data if it is necessary for the enforcement of claims we may have against you. Personal data are kept until the relevant limitation period expires.

• Direct Marketing

We use your name and email address to provide you with information about our products and services. Unless you have objected, or withdraw your consent at any time in the future, we will send you an email newsletter for the purpose of providing this information.

• Referrals and Rewards

We store information about each referral made by a User if a New User joins m0ne S.R.O. based on a referral, for the purpose of assessing eligibility to receive a reward according to the Referral System. These information are stored in relation to the User who referred the New User as well as to the New User who joined m0ne S.R.O. under the terms of the Referral System.

5. Use of Cookies We use "cookies" to help you personalize your use of the Acechange.io Platform. A cookie is a text file that is placed on your hard drive by a web server. A cookie is uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save your time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize pages on the Acechange.io Platform, cookies help us to recall your specific information on subsequent visits. If you return to the same website, the information you previously provided can be retrieved, so you can easily use the customized features. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Acechange.io Platform.

6. Recipients and Processors of Your Personal Data

We may designate third parties – processors – who may perform specific actions related to the processing of your personal data under a data processing agreement. We will designate only those processors who provide sufficient guarantees to implement appropriate technical and organizational measures in such a manner that processing will meet the requirements of the GDPR and ensure the protection of your rights

We use the following processors, who may obtain and process your personal data on our behalf:

· Google LLC ("Google"), 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States;

· PayPal, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF;

· SEON Technologies Kft., Registered seat: H-1072 Budapest, Rákóczi út 42. 7. em, Company registration number: 01-09-292732;

· Brevo, 1402 Third Avenue, #301, Seattle, WA 98101;

· Functional Software, Inc., 45 Fremont Street, 8th Floor, San Francisco, CA 94105;

· SUM AND SUBSTANCE LTD, 30 St. Mary Axe, London, England, EC3A 8BF;

· Globitex – a group of Globitex companies consisting of: (i) UAB NexPay, incorporated and operating under the Lithuanian law, registration code 304708124, registered office address at Sporto g. 7A, LT-09238 Vilnius, Lithuania; (ii) Nexdesk UAB, incorporated and operating under Lithuanian law, registration code 306165588, registered office address at Sporto g. 7A, LT-09238 Vilnius, Lithuania;

· IONOS Inc., Privacy Rights Two Logan Square 100 N 18th St, Ste 400 Philadelphia, PA 19103.

We are authorized to transfer your personal data to processors or other recipients in third countries only if: (i) the European Commission has decided that the third country, territory, or one or more specified sectors in that third country ensures an adequate level of protection, or (ii) the processor has provided appropriate guarantees, and on condition that you have enforceable rights and effective legal remedies.

If you enter a referral code from an Acechange.io Partner when registering on the Platform, which recommended concluding the User Agreement with you, or if your registration on the Platform is carried out directly by an Acechange.io Partner with your consent, we will also provide your personal data to the respective Partner, for the purpose of enabling customer support on their part. Such provision of personal data is time-limited to the duration of the User Agreement with you and concurrently the duration of the Partnership Agreement between Acechange.io and the respective Partner, where the Partner commits to adhering to all obligations arising from the GDPR and the Personal Data Protection Act and not to disclose them to any third parties unless otherwise agreed upon with your consent. Subject to the conditions agreed in the relevant Partnership Agreement, the Partner may provide your personal data to a company it cooperates with as a so-called Partner under a Superpartner, whereas this company is not authorized to disclose them to any further entity and is bound to handle them in accordance with the relevant legal regulations on personal data protection.

7. Your Rights Under GDPR, you have the following rights regarding the processing of your personal data:

(a) The right to be informed You have the right to be informed about the processing of your personal data. We provide information about such processing in this Data Protection Policy.

(b) The right of access If you wish to access the personal data we hold about you, please contact us.

(c) The right to rectification If the personal data we hold about you are inaccurate or incomplete, you have the right to ask us to correct them. If these personal data have been passed on to a third party with your consent, or for legal reasons, we must ask them to correct such data.

(d) The right to erasure ("the right to be forgotten") You have the right to ask us to delete all your personal data. However, we are not obliged to delete your personal data if we have a legal reason to process them or if processing is necessary for the fulfillment of the User Agreement.

(e) The right to restrict processing You have the right to ask us to restrict the way we process your personal data if:

· you contest the accuracy of your personal data (in which case processing of your personal data will be restricted for a period enabling us to verify their accuracy);

· you claim that the processing of your personal data is unlawful, and instead of deletion, you request the restriction of their use;

· we no longer need your personal data for processing purposes, but you require them for the establishment, exercise, or defense of legal claims;

· you have objected to processing pursuant to item (g) below (in which case processing of your personal data will be restricted while verifying whether our legitimate grounds override those of you as the data subject). If processing has been restricted under any of the points mentioned above, such personal data, with the exception of storage, may only be processed with your consent, or for the establishment, exercise, or defense of legal claims, or for the protection of the rights of another natural or legal person, or for reasons of important public interest of the European Union or a Member State.

(f) The right to data portability You have the right to receive your personal data that you have provided to us in a structured, commonly used, and machine-readable format, and have the right to transmit those data to another controller without hindrance from us, where technically feasible.

(g) The right to object You have the right to object to the processing of your personal data based on our legitimate interests. If we cannot demonstrate compelling legitimate grounds for the processing which override your interests, rights, and freedoms, or for the establishment, exercise, or defense of legal claims, we will no longer process your personal data.

(h) The right to withdraw consent If you have given consent to the processing of your data, but later change your mind, you have the right to withdraw your consent at any time. The withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal. However, generally, we do not process your personal data based on your consent but on the basis of the User Agreement for providing services.

(i) The right to lodge a complaint You have the right to lodge a complaint with a supervisory authority if you believe that our processing of your personal data does not comply with GDPR, or if you feel that your rights have not been respected. Contact information for data protection authorities in all EU member states is available at: http://ec.europa.eu/justice/article-29/structure/data-protection-authorities/index_en.htm .

All the rights mentioned above (except the right to lodge a complaint, which should be directed to the competent data protection authority) can be exercised by sending us a relevant request. Please contact us via email at info@acechange.io for this purpose.

Links to Other Websites

The Acechange.io Platform may contain links to or from websites of our partners, advertisers, social media pages, etc. If you follow a link to any of these websites, please note that these websites may have their own privacy notices, and we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

8. How We Protect Your Personal Data We use a variety of security technologies and procedures to protect your personal data from unauthorized access, use, or disclosure. We secure your personal data on computer servers in a controlled, secure environment, protected from unauthorized access, use, or disclosure. When sensitive information (such as bank account details and/or geolocation data) is collected on the Acechange.io Platform and/or transferred to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol. Despite our efforts to provide a secure environment for your personal data, we cannot completely eliminate the possibility of unauthorized access, use, or disclosure of personal data. In the event of such a data breach, we will promptly inform the relevant supervisory authority and take immediate action to address the situation. If it is likely that the data breach could result in harm to you, we will also inform you about the data breach without undue delay.

9. Changes to Our Data Protection Policy We may occasionally update our Data Protection Policy. In such cases, we will always provide you with the updated version of the Data Protection Policy.

Contact Us

If you have any questions regarding this Data Protection Policy, you can contact us at: info@acechange.io

User Agreement

This User Agreement (hereinafter referred to as the “Agreement”) is made between the following parties:

(1) m0ne s. r. o., with its registered office at: Hlavná 47 930 35 Michal na Ostrove, ID No.: 54 661 714, registered in the Commercial Register of the District Court Trnava, section: Sro, insert no. 51801/T (hereinafter referred to as “m0ne s. r. o.” and contextually as “we” or “our”) (m0ne s. r. o. may also specify any of the affiliated companies in the m0ne s. r. o. group; and

(2) You, as a user interested in obtaining services from m0ne s. r. o. according to this Agreement (hereinafter referred to as the “User” and contextually as “You” or “Your”);

m0ne S.R.O. and the User are collectively referred to as the “Parties” and individually as a “Party”.

Crypto-assets, cryptocurrencies, and other assets utilizing distributed ledger technologies (hereinafter collectively referred to as “crypto-assets”) and the related market present an increased level of risk due to their early technological stage, as well as associated risk of price volatility. Due to such volatility, the price of these assets may rise and fall significantly faster than other assets. In some cases, there may also be a complete devaluation of these assets due to third-party actions or technological failures. Thus, acquisition and ownership of crypto-assets carry specific challenges and risks, which usually do not apply to currencies or money issued and guaranteed by states or supranational entities, such as (fiat) currencies.

Given the early technological stage of crypto-assets as global assets, it is possible that the offer and/or use of crypto-assets or disposition of them may be limited, conditional, or prohibited based on general legal regulation in some countries.

m0ne s. r. o., to reduce risks associated with crypto-assets and to provide access to this technology, offers crypto-asset exchange and wallet services, as well as other services related to crypto-assets through https://www.acechange.io/ , https://nowpayments.io/ , https://www.coinpayments.net/ , https://www.kraken.com/ and directly at the offices of m0ne S.R.O. or at another pre-agreed location (including its language versions) or any other website or software solution operated or owned by m0ne s. r. o. (hereinafter collectively referred to as the “Platform”).

The crypto-asset market is volatile, and the value of crypto-assets can therefore quickly increase as well as decrease. For this reason, investment in crypto-assets is currently considered risky, and m0ne s. r. o. has the necessary permissions to provide services related to crypto-assets in accordance with the legal regulations of the Slovak Republic.

Considering the risk profile of crypto-assets, it is recommended to invest only a portion of disposable funds that you have allocated for investment purposes, and which portion you are willing to lose in the event of a downturn. It is not recommended to invest funds that are borrowed or could otherwise affect your living situation. m0ne s. r. o. cannot guarantee a certain return, nor credibly predict the market direction of crypto-assets, where past returns are not a guarantee of future results.

The User acknowledges that they have entered into a separate agreement for using the Platform.

1. SUBJECT OF THE AGREEMENT

1.1 The subject of the Agreement is the provision of services related to crypto-assets by m0ne s. r. o. in favor of the User. Based on this Agreement, m0ne s. r. o. will provide the User with the following services:

• Advisory services in relation to crypto-assets (“Advisory Services”);

• Services of converting the User's funds into crypto-assets currencies, services of converting between crypto-assets, and services of converting crypto-assets into fiat money (“Exchange Services”);

• Custody services for crypto-assets (“Custody Services”).

• Other services according to this Agreement, such as staking or technical provisioning of other services related to crypto-assets; and
• Other services agreed between the Parties (hereinafter collectively referred to as “Services”).
• POS terminals designed for processing cryptocurrency transactions.

1.2 Within the provision of Services, m0ne s. r. o. offers combinations of them within the products specified in the annexes to this Agreement, or other products described in accordance with the terms of the Agreement on the Platform:

• m0ne S.R.O. Portfolio Products
• m0ne S.R.O. POS terminal
• m0ne S.R.O. Custody
• m0ne S.R.O. Exchange operations
• m0ne S.R.O. Advisory services
• m0ne S.R.O. Staking
• m0ne S.R.O. Courses

(hereinafter collectively referred to as “Products” and individually as a “Product”). Products represent various combinations of Services with specific conditions for their provision. Details about the conditions and functionality of the Products are provided on the website https://www.acechange.io/ . m0ne s. r. o. reserves the right to introduce and make Products available under this Agreement, especially according to the User's location conditions and likewise reserves the right to make certain Products available exclusively to a specific group of users under the specific conditions of the respective Product. m0ne s. r. o. also reserves the right to expand the range of Products, or to modify the access conditions of individual Products in accordance with the provisions of this Agreement.

2.USER REGISTRATION

2.1 Before providing Services, the User is required to enter into an agreement on the terms of using the Platform, to complete their registration on the Platform by creating a user account (“Account”) and to confirm their registration at https://www.acechange.io/ or by signing a contract between m0ne S.R.O. and the user. Entering into an agreement on the terms of using the Platform with m0ne S.R.O. is a prerequisite for the provision of Services under this Agreement.

2.2 A User can be a natural person older than 16 years or a legal entity that has met the conditions of this Agreement and has been duly provided with care in accordance with its terms or the terms of the AML Directive.

3.ACTIONS BEFORE PROVIDING SERVICES

m0ne s. r. o. is an obligated entity under § 5 para. 1, letter o), p) of the Act No. 297/2008 Coll. on protection against the legalization of proceeds from criminal activity and on protection against financing terrorism and on amendments to certain acts (hereinafter referred to as the “AML Act”). In this regard, m0ne s. r. o. is obliged, before providing Services under this Agreement, making a deposit under this Agreement, or other actions under this Agreement, to classify the User in accordance with the provisions of the AML Act as well as actions in accordance with the AML Directive m0ne s. r. o., especially the Risk Assessment Policy (hereinafter referred to as “Classification”).

3.1 Basic Due Diligence

Under the AML Act and AML Directive and in accordance with the conditions stated therein, m0ne s. r. o. is authorized to require from Users, who are natural persons, data in the following extent:

• name and surname;
• personal identification number (if not assigned, then the date of birth);
• nationality;
• gender;
• address of permanent residence or other authorized residence; and
• type and number of identity document (hereinafter referred to as “Identification Data”).
• In addition to the mentioned data, for the purposes of future provision of Services (and before providing) Services beyond the scope of Identification Data, m0ne s. r. o. is obligated under legal regulations to request from the User the provision of supporting information and documents, for example:
• a copy of the identity document;
• confirmation of permanent residence or other authorized residence;
• documents proving the place of residence, such as a duly issued invoice for the supply of electricity or other services, or a bank statement indicating the identification data and the consent address of the User, an extract from the register of residents);
• a photo of the User’s likeness (selfie) together with clearly readable data from the identity document and a recognizable face of the User;
• information about the origin of financial resources.

m0ne s. r. o. is obliged to provide basic due diligence in accordance with this Agreement in line with the conditions of the AML Act and AML Directive to the User who is a legal entity. For the purpose of providing basic due diligence to the User who is a legal entity, m0ne s. r. o. is required to request the following information or documents:

• trade name;
• ID number;
• registered office address;
• identification data of the registration in the relevant registry;
• a copy of identity documents of statutory bodies and ultimate beneficial owners of the User and their data to the extent of their Identification Data according to article 3.1 of this Agreement;
• confirmation of the registered office address (duly issued invoice for the supply of electricity, or bank statement indicating the identification data and consent address of the User, extract from the Commercial Register or similar register);
• photograph of the likeness of the person (selfie) establishing the User’s Account together with clearly readable data from the identity document with a recognizable face, as well as Identification Data of such person;
• information on the ownership structure of the User to the extent of Identification Data according to article 3.1 of this Agreement, if the partners are natural persons, and in the case that the partners of the User are legal entities, to the extent of
• : i) trade name, ii) ID number, iii) registered office address of the User's partner, iv) identification data of the User's partner relating to the entry in the relevant registry;
• information about the origin of financial resources.

3.2 Enhanced Due Diligence

If m0ne s. r. o., based on a risk analysis in accordance with the conditions of the AML Act and/or AML Directive, assesses that a particular User represents a higher risk of money laundering or terrorism financing, m0ne S.R.O. is entitled and obliged to request information or documents beyond the scope required for providing simplified due diligence or basic due diligence according to articles 3.1 and 3.2 of this Agreement from the respective User.

m0ne S.R.O. is authorized to conduct enhanced due diligence in relation to the User under this Agreement and in accordance with the AML Act, both at the request of the relevant authority and/or other authorized institution, as well as at its own discretion for the purposes of fulfilling its statutory and other obligations, such as requesting a tax return, bank statement, or document proving the source of income or another document of the User.

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3.3 Accuracy and Currency of Provided Information

The User is responsible for the truthfulness, correctness, and completeness of the data provided to m0ne S.R.O., especially the data provided during registration and for the purposes of identity verification and other actions anticipated by this Agreement. m0ne S.R.O. assumes that these data are accurate and hereby disclaims any liability for any damage that may arise or could arise as a result of any errors, inaccuracies, incompleteness, and/or other deficiencies in the provided information. By providing any information under this Agreement, the User confirms that the information provided to m0ne S.R.O. is truthful, accurate, and complete. In this context, the User commits to promptly notify m0ne S.R.O. of any changes in the provided information or documents without undue delay from such change, but no later than within 15 (fifteen) days. m0ne S.R.O. reserves the right, in connection with the verification of the currency, truthfulness, or accuracy of the data provided by the User, to provide the User with the corresponding level of due diligence under this Agreement repeatedly throughout the duration of this Agreement.

3.4 Verification of User's Identity

For the purposes of verifying the provided Identification Data or other data or documents, m0ne S.R.O. is authorized to take all necessary steps to verify the identity of the User and the identity of the ultimate beneficial owners of the User, to take necessary steps to protect against fraudulent actions, money laundering, terrorism financing, or any other illegal activities, directly or through a third party. m0ne S.R.O. reserves the right, for the purposes of verifying the User's identity, to verify the truthfulness and completeness of the data and/or documents provided by the User. m0ne S.R.O. will review whether the data, documents, or other documents that are required to be accepted based on the Agreement meet the conditions of the Agreement. However, m0ne S.R.O. is not responsible for the authenticity, validity, and translation of these documents, nor for their content accuracy, or for the truthfulness, correctness, and completeness of the data contained therein. For the purpose of verifying the User's identity, or performing actions related to the provision of care in accordance with the AML law, m0ne S.R.O. may use third-party solutions, including software solutions utilizing biometric verification or artificial intelligence solutions.

3.5 Payment Connection, Payment Methods

A condition for providing Services under this Agreement is the match of the User's payment connection data in the Account interface with the User's bank account or another payment account over which the User has disposal rights. The User may also use other payment methods accepted by m0ne S.R.O. for the purpose of providing Services, such as postal payment, prepaid vouchers, so-called vouchers, or other payment methods according to their availability.

3.6 Account Protection

The User is required to maintain the confidentiality of their Account access data, as well as to adequately secure the protection of devices through which the User accesses the Platform or Account.

The Platform may allow the User to set up two-factor authentication through SMS or a mobile application, such as Google Authenticator or a similar application ("Two-Factor Authentication"), for the purposes of certain actions related to the Account. Two-Factor Authentication can be set up through the Platform.

The User is required to use a suitable device (smartphone, tablet, computer, or another device) for the purposes of utilizing the Services and using the Platform.

The User is responsible for procuring, maintaining, and ensuring the compatibility of the said device with software, hardware, or other technical requirements for providing Services, including a stable internet connection.

m0ne S.R.O. reserves the right, to the extent necessary to secure the Account, to limit the User's right to dispose of the Account until the provision of the corresponding level of care according to Article 3 of this Agreement.

3.6.1 m0ne S.R.O. reserves the right to restrict the User's access to the Account if the User does not provide m0ne S.R.O. with the information or documents necessary for providing the corresponding level of care under this Agreement or if the User does not provide the required information in the necessary scope or quality.

3.6.2 m0ne S.R.O. reserves the right to restrict the User's access to the Account in case of reasonable suspicion that a criminal act or another illegal activity has been or may be committed in connection with the User's Account.

In the event of a restriction of the User's access to the Account, m0ne S.R.O. commits to informing the User of this fact without unnecessary delay, provided that such notification does not conflict with generally binding legal regulations or the decision of the relevant authority.

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4.SERVICES

4.1 Advisory Services

As part of the Services, m0ne S.R.O. provides advisory services in the field of cryptocurrencies, focusing primarily on security and legislative advice.

4.2 Exchange Services

4.2.1 In connection with crypto-assets, m0ne S.R.O. provides exchange services, i.e., the service of converting the User's funds into crypto-assets, the service of converting the User's crypto-assets into fiat money, and the service of converting crypto-assets into other crypto-assets (hereinafter referred to as “Exchange Services”). In providing Exchange Services, m0ne S.R.O. acts as the seller when selling crypto-assets to the User and as the buyer when purchasing crypto-assets from the User under this Agreement.

4.2.2 As part of the Exchange Services, or as part of one of the Products, m0ne S.R.O. may provide the service of exchanging crypto-assets for other crypto-assets, or the exchange of crypto-assets for other assets according to the terms of this Agreement.

4.2.3 m0ne S.R.O. provides Exchange Services. The exchange rate related to the provision of Exchange Services is listed in the Platform interface. The exchange rate list includes information on the conversions of deposit values into crypto-assets, or crypto-assets into other crypto-assets.

4.3 Custody Services

4.3.1 In relation to crypto-assets, for the purpose of ensuring their protection, m0ne S.R.O. provides Custody Services. m0ne S.R.O. offers custody services mainly for the purpose of providing professional custodial services in relation to crypto-assets.

4.3.2 m0ne S.R.O. provides custody services for crypto-assets in a manner that represents their secure storage, protection against theft, loss, or accidental destruction in relation to the data necessary for handling the crypto-assets (hereinafter referred to as “Custody Services”). To ensure a professional level of protection for the Users' crypto-assets (and data needed for handling them – i.e., private keys) when providing Custody Services, m0ne S.R.O. uses so-called cold storage solutions, i.e., solutions that do not utilize an internet connection unless otherwise provided in this Agreement.

4.3.3 m0ne S.R.O. provides Custody Services while ensuring the highest standards of crypto-asset custody, particularly through the use of services like Fireblocks, paper wallets for crypto-assets, and other crypto-asset custody solutions including cold storage solutions, their combination, or the combination of these solutions together with physical storage in vaults under the control of m0ne S.R.O.. In providing Custody Services, m0ne S.R.O. reserves the right to temporarily and in a limited extent store a portion of crypto-assets at third-party addresses, especially verified and secure platforms of crypto-asset exchange service providers, crypto-asset wallet service providers, or similar services related to crypto-assets.

4.3.4 m0ne S.R.O. commits that in providing Custody Services, it will manage the Users' crypto-assets and associated private keys exclusively according to the conditions stated in this Agreement or according to the conditions of providing the respective Product.

4.3.5 In the context of providing Custody Services, m0ne S.R.O. reserves the right to independently manage the form and manner of providing Custody Services, especially for the purpose of ensuring adequate protection of the User’s crypto-assets, private keys, and ensuring adequate liquidity of funds. For the purposes of providing Custody Services, m0ne S.R.O. commits to using its own technical solutions, solutions from trusted third parties, as well as their combinations.

4.3.6 m0ne S.R.O. reserves the right to limit the scope of providing Custody Services in connection with providing certain Products or in combination with other Services, which by their nature necessarily may affect the content of providing Custody Services. Specific conditions of potentially providing Custody Services are listed on the Platform.

4.4 Staking and Services for Technical and Other Mediation of Services Related to Crypto-assets

4.4.1 According to the terms of this Agreement, m0ne S.R.O. may make available to Users Services and Products that allow Users to manage their crypto-assets with the possibility of earning appreciation through technical solutions of blockchain protocols. Some protocols or crypto-asset ecosystems allow crypto-asset owners to earn rewards for participating in securing the operation of the respective protocol or crypto-asset network. m0ne S.R.O. is interested in enabling Users to participate in such activities, and therefore, for this purpose, in accordance with the terms of the Agreement, provides Users with services of so-called staking through the Platform - the possibility for a User to participate in securing the crypto-asset network (hereinafter referred to as “User Staking”). In this context, the User has the option to decide on the use of their owned crypto-assets on the Platform for securing the network of the respective crypto-asset or crypto-assets within the provided Services, and the User may receive rewards denominated in crypto-assets according to the specific conditions of the Product or Service listed on the Platform.

4.4.2 In providing the User Staking service, m0ne S.R.O. will ensure the allocation of crypto-assets for these purposes directly or through a trusted third party, upon receiving instruction and authorization from the User. Rewards denominated in units of crypto-assets, to which allocation was thus authorized by the User, will be credited to the User within the provision of User Staking services in terms of this Agreement and the Price List, or the staking rewards overview listed on the Platform. Rewards for providing the User Staking service will be credited directly to the User in the Platform interface of the Account at intervals, frequency, and amount determined by the respective crypto-asset ecosystems, Price List, or other conditions resulting from the Product description.

4.4.3 The User is entitled, under this Agreement, to suspend, cancel, or request again the provision of the User Staking service at any time after it has been provided, through the Platform.

4.4.4 m0ne S.R.O. may also provide Users with similar services for technical or other mediation in relation to the User's crypto-assets based on instructions or authorizations. Such services within various Products may include, in particular, the mediation of providing loans of crypto-assets owned by the User (so-called lending) or other ways of managing crypto-assets by the User according to available Products under the terms of this Agreement.

4.4.5 The provision of User Staking services according to this article of the Agreement is subject to fees as per the Price List.

4.4.6 Through the Platform, the User is authorized to instruct and authorize m0ne S.R.O. to perform and secure the actions necessary for the allocation of crypto-assets for this purpose, either individually for each crypto-asset owned by the User or for a set of crypto-assets, for example, a specific Product that offers such functionality to Users.

The User acknowledges that if they decide to acquire crypto-assets relevant for the staking mechanism ("Proof of Stake crypto-assets") through the m0ne S.R.O. platform, m0ne S.R.O. has the right to temporarily use these crypto-assets within the default staking mechanism ("m0ne S.R.O. Staking Mechanism") on behalf of the User.

4.4.7 If the User has not entered into specific agreements regarding User Staking according to the previous points of this article, m0ne S.R.O. may retain the right on behalf of the User to place these cryptocurrencies into its own experimental staking mechanism ("m0ne S.R.O. Staking Mechanism"), with the benefits from such use (staking rewards) becoming the property of m0ne S.R.O. These rewards are an integral part of the purchase price of Products that contain Proof of Stake crypto-assets and are included in the total costs of m0ne S.R.O. associated with their acquisition. The User hereby expresses their consent to this procedure based on these contractual terms. Participation in this program constitutes an important part of the content of m0ne S.R.O. Products or Services listed on the Platform, which include Proof of Stake crypto-assets.

4.4.8 The goal of the m0ne S.R.O. Staking Mechanism is to support the development and testing of potential future staking products that may be added to the m0ne S.R.O. product portfolio at its discretion. m0ne S.R.O. reserves the right to allocate rewards to Users in accordance with the reward program or other conditions arising from the description of the m0ne S.R.O. Staking Mechanism, with these conditions subject to separate publication.

4.4.9 m0ne S.R.O. assumes all risks associated with the m0ne S.R.O. Staking Mechanism, including but not limited to possible technical errors, and guarantees to the User that any temporary use of their crypto-assets within the m0ne S.R.O. Staking Mechanism by m0ne S.R.O. will not in any way restrict the User's ability to manage their crypto-assets and perform Withdrawals within the standard period and under the conditions set by this Agreement. The User acknowledges and agrees that m0ne S.R.O. is not liable for the natural fluctuation in the value of crypto-assets that are subject to User Staking or the m0ne S.R.O. Staking Mechanism. m0ne S.R.O. is not responsible for any differences in the value of these crypto-assets over time due to unpredictable and inherent market fluctuations. The User acknowledges that the value of crypto-assets may undergo significant changes and that the returns from User Staking may be affected by these fluctuations.

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5. TERMS OF SERVICE PROVISION

5.1 After creating an Account or upon providing the respective level of care under this Agreement, the User has the option to utilize the Services or Products. The User is required to make a deposit before the provision of any Service, at least in the amount corresponding to the value of the minimum deposit according to the valid Price List.

5.2 The User is required to transfer funds in favor of the bank connection of m0ne S.R.O. indicated on the Platform interface by bank transfer or by using another payment method supported by the Platform (hereinafter referred to as “Deposit”).

5.3 The User is required to make the Deposit exclusively by the methods and under the conditions listed on the Platform, wherein this context m0ne S.R.O. may require the specification of particular payment details (specific symbol, constant symbol, or others) that are necessary for the identification of the User's Deposit. In the case of sending the Deposit from a bank account, it is required to be sent from a bank account held in the User's name or from an account over which the User has disposal rights or a similar right.

5.4 Failure of the User to comply with the obligation according to the previous article 5.3 or in contradiction with other provisions regulating the provision of the Deposit is considered a breach of this Agreement. In case of such defective performance, m0ne S.R.O. is entitled to demand the User to remedy the situation (especially by providing the necessary details and proving the disposal authority to the account with relevant documents), and m0ne S.R.O. is not obliged to provide the User with Services until compliance with this Agreement is ensured. In this context, m0ne S.R.O. declares that in case of defective performance by the User, it is not responsible for any damage, harm, or any other adverse consequence incurred by the User or any third party as a result of breaching the terms of this Agreement.

5.5 After the value of the Deposit has been credited and the respective care according to this Agreement has been provided (if required), m0ne S.R.O. is obliged to provide the User with the respective Services. m0ne S.R.O. commits to providing the User with Exchange Services no later than within 15 days from the day the Deposit is credited in favor of m0ne S.R.O. and the conditions according to the Agreement are fulfilled.

5.6 By crediting the Deposit into the bank account of m0ne S.R.O., the User gives consent and issues an irrevocable instruction for the provision of Services. In this context, we would like to emphasize that, according to relevant legal regulations, the User is not entitled to withdraw from the Agreement within 14 (fourteen) days from the day of crediting the Deposit, given that the provision of Services and effectively also the price of crypto-assets depends on the movement of prices on the financial market, as well as other markets which m0ne S.R.O. cannot influence.

5.7 Right to Refuse

m0ne S.R.O. reserves the right to refuse the provision of Services or any part thereof. In the event that m0ne S.R.O. exercises its right to refuse the provision of Services or in the case that the User fails to meet the conditions of this Agreement or the care provision conditions necessary for the provision of Services according to this Agreement within the timeframe specified by this Agreement or another reasonable period determined by m0ne S.R.O., m0ne S.R.O. is obliged to return the performance provided by the User, no later than within 30 days from the expiration of the relevant period.

In the case that a Deposit, which has already been converted into crypto-assets and their value at the time of refund is higher than the original Deposit amount, due to non-compliance with the conditions of this Agreement, m0ne S.R.O. will only return an amount corresponding to the original Deposit.

In the case that a Deposit, which has already been converted into crypto-assets and their value at the time of refund is lower than the original Deposit amount, due to non-compliance with the conditions of this Agreement, m0ne S.R.O. will only return an amount corresponding to the current value of the relevant crypto-assets at the time of refund.

6. WITHDRAWAL OF FUNDS

6.1 The User is entitled at any time from the date of conclusion of the Agreement to issue an instruction to sell the crypto-assets in relation to which Services have been provided, especially those acquired from the Deposit or any part of it. The User is entitled to sell his crypto-assets or part thereof to m0ne S.R.O. according to the conditions of this Agreement (hereinafter referred to as "Withdrawal").

6.2 For the purposes of Withdrawal, the User must use the Platform interface and follow the relevant instructions.

6.3 In connection with the Withdrawal, m0ne S.R.O. commits to buy the crypto-assets specified by the User according to the conditions of this Agreement and within a period of 5 days from the date of issuing the Withdrawal instruction. m0ne S.R.O. is obliged to send the value for which the User sold the crypto-assets during the Withdrawal to the User's bank connection address, which was verified as the bank account of the respective User. m0ne S.R.O. reserves the right to extend the period for processing the Withdrawal and sending the amount of the sold crypto-assets in favor of the User by the time necessary, but no more than an additional 30 days, in case the User carries out the Withdrawal in high volumes or if the User's conduct appears to be non-standard.

6.4 m0ne S.R.O. may allow the User, while maintaining the conditions according to this Agreement and the conditions stated in the Price List, to carry out the Withdrawal partially (hereinafter referred to as "Partial Withdrawal"). For the realization of Partial Withdrawal, it is necessary that the value of the User's crypto-assets equals or exceeds the amount of 50 EUR (fifty euros), and at the same time, the amount that is the subject of the Withdrawal meets the requirements of the Minimum Withdrawal value. The Partial Withdrawal primarily targets the sum representing the appreciation of Deposits (hereinafter referred to as "Profit") and then the investment value. Investment represents the sum of Deposits, reduced by the sum of the part of Partial Withdrawals, which exceeded the current Profit at the moment of the respective Partial Withdrawal (hereinafter referred to as "Investment"). The amount of Investment is calculated for each Product separately. The User is entitled to carry out Withdrawal (including Partial Withdrawal) also into m0ne S.R.O. Credit, which can be used to pay for Products and Services of m0ne S.R.O..

6.5 The User is entitled to request m0ne S.R.O. to facilitate the transfer of crypto assets, specifically relating to the User's crypto assets (hereinafter referred to as "Transfer"). In this context, the User is entitled to request m0ne S.R.O. to send the User's crypto assets to addresses owned by the User based on a request to cancel custody (hereinafter referred to as "Request to Cancel Custody").

6.6 The User must submit the Request to Cancel Custody through the Platform. For the purposes of sending crypto assets in the respective form request, the User is required to specify the relevant public addresses owned by the User. For the processing of the Request to Cancel Custody, the User is required to send m0ne S.R.O. a duly completed form based on which m0ne S.R.O. will prepare and send the User the corresponding formal request for signature.

6.7 The User is required to ensure the delivery of this request to m0ne S.R.O. with an official certification of the signature's authenticity within 15 (fifteen) days from the date of sending the formal request. A Request to Cancel Custody is considered duly delivered according to this Agreement if the request is clearly legible and is accompanied by the relevant certification of the signature's authenticity by the User.

6.8 In connection with the cancellation of custody of crypto assets, m0ne S.R.O. reserves the right to provide enhanced care according to this Agreement. m0ne S.R.O. is obliged to ensure the Transfer of the User's crypto assets specified in the Request to Cancel Custody within 10 (ten) days from the date of proper delivery of the said request and providing the respective level of care in accordance with the terms of this Agreement. If the Transfer involves all crypto assets recorded in the Account, the result of the Transfer may be the termination of this Agreement.

6.9 The provision of certain Products and Services, especially Products and Services that allow the User to utilize owned crypto assets, may affect the Withdrawal or Transfer. The timeframe for executing these actions may be extended by 21 (twenty-one) days due to reasons related to the technical solution or due to reasons on the part of a third party.

7.STATEMENTS OF THE CONTRACTING PARTIES

7.1 m0ne S.R.O. declares and undertakes that:

a) It is a company duly established and existing under the laws of the Slovak Republic and is authorized to conduct its business activities in accordance with the terms of this Agreement;

b) It is authorized to enter into this Agreement and to exercise all its rights and fulfill the obligations arising from this Agreement;

c) This Agreement constitutes legally binding and valid commitments of m0ne S.R.O., enforceable against it, taking into account relevant legal regulations governing insolvency, bankruptcy, restructuring, and debt relief, which generally affect the enforcement of creditors' rights;

d) The execution and performance of this Agreement and the obligations under this Agreement will not result in a breach of any legal regulation or contractual or other obligation or founding document of m0ne S.R.O.

7.2 The User declares and undertakes that:

a) Has the legal capacity and the capacity to perform legal acts necessary for the conclusion of this Agreement and the provision of Services and is authorized to enter into this Agreement and to exercise all its rights and fulfill the obligations arising from this Agreement;

b) This Agreement constitutes legally binding and valid commitments of the User, enforceable against the User, taking into account relevant legal regulations governing insolvency, bankruptcy, and debt relief, which generally affect the enforcement of creditors' rights;

c) The execution and performance of this Agreement and the obligations under this Agreement will not result in a breach of any legal regulation or contractual or other obligation;

d) The User has provided and will provide m0ne S.R.O. with truthful, accurate, and complete information to the extent and manner necessary for the provision of Services and as required by this Agreement;

e) Will not receive Services other than in accordance with this Agreement or their intended purpose, in any case, not in violation of generally binding legal regulations;

f) Has sufficiently familiarized themselves with the functionality of the Platform and the Account, as well as the nature and functioning of crypto asset technologies;

g) Will continuously familiarize themselves with the functionality of the Platform, the terms of Service provision, and other information related to the performances under this Agreement.

8.USER RIGHTS AND OBLIGATIONS

8.1 The User is obligated to comply with generally binding legal regulations, this Agreement, and respect the rights of m0ne S.R.O. and third parties while using the Platform,

Account, and receiving Services. Furthermore, the User undertakes not to:

a) Interfere with the functionality of the Platform, Account, or any solutions developed by or for the benefit of m0ne S.R.O. related to the Services, jeopardize and/or disrupt their continuous operation;

b) Use programs, devices, or procedures that could negatively affect the functionality of the Platform, Account, or Services;

c) Unlawfully obtain personal data of other users or any information that is the subject of m0ne S.R.O.'s trade secrets or confidential information; and

d) Use insecure email or disclose Account details to any third party.

8.2 The User is responsible for all activities related to the use of the User's login details to the Account. In this context, the User is specifically required to:

a) Ensure that adequate security measures, such as closing the internet browser or any other interface used to access the Account and properly logging out of the Account after each visit to the Platform, are adhered to upon completion of the use of the Platform;

b) Inform m0ne S.R.O. without unnecessary delay if the User has reasonable suspicion of unauthorized access to the Account, use or disclosure of the User's login details, unauthorized access or use of the Account, and/or any other security breach of the Account or the provision of Services.

8.3 The User commits not to use the Services for committing any kind of illegal activity or activity that could negatively affect m0ne S.R.O., the provision of Services, or other users. In this context, the User undertakes not to engage in:

a) Unauthorized attempts to alter the functionality or software disruption or other interference with the Platform, Account, Services, or any of their components;

b) Attempts to gain unauthorized access to the Services or another user's Account;

c) Attempts to bypass or thwart any security measures, including the provision of care regarding the User according to this Agreement; or

d) Reproduce, duplicate, copy, sell, or trade the Services for any purpose without the consent of m0ne S.R.O.

8.4 Besides other obligations stated in this Agreement, the User is also required to:

a) Use the Account in accordance with generally binding legal regulations, good morals, and in accordance with this Agreement;

b) Use exclusively trustworthy devices and adequate protection against computer viruses, spyware programs, scareware programs, Trojan horse programs, worm programs, or any other malicious software for accessing the Account and the Platform;

c) Keep the access passwords to the Account or any similar data related to the Account or the fulfillment of the Agreement secret with an appropriate level of protection.

8.5 The User acknowledges that m0ne S.R.O. will not contact the User regarding the Account details, especially the login details to the Account, without prior contact. If the User suspects that they are being contacted for fraudulent purposes in relation to their Account, they are required to immediately notify this fact to m0ne S.R.O.

9. FEES

9.1 The provision of Services is subject to fees according to the current Service Fee Schedule (hereinafter referred to as the "Fee Schedule") available on the Platform. m0ne S.R.O. reserves the right to unilaterally offset any due fees, expenses, or other claims related to the provision of Services and/or Products against the User.

9.2 In connection with the provision of Services and any expansion thereof, m0ne S.R.O. reserves the right to change the Fee Schedule or introduce new fees. m0ne S.R.O. is entitled to change the Fee Schedule or alter the prices of individual items effective within 14 (fourteen) days from the date of notifying the User of this change via email. The new Fee Schedule becomes effective upon the expiration of the 14th (fourteenth) day from the date of notification of the Fee Schedule change to the User.

9.3 Fees are charged separately for individual Products, and the description and scheme of fees according to the Fee Schedule are as follows:

9.3.1 Exchange Fee represents a fee related to the provision of Exchange Services concerning the User's Deposit and Withdrawal, covering the associated costs with the conversion to or from cryptocurrencies or fiat money (hereinafter referred to as "Exchange Fee");

9.3.2 Portfolio Fee represents a fee related to the provision of Exchange Services and Custody Services associated with managing and algorithmic optimization of the User's portfolio (hereinafter collectively referred to as "Portfolio Management Services" and the corresponding fee as "Portfolio Fee"). The Portfolio Fee includes the Portfolio Fee at Deposit and the renewal Portfolio Fee. The Portfolio Fee at Deposit is an annual fee charged upfront for one year of providing Portfolio Management Services at the time of the first Deposit and for each subsequent Deposit proportionately to the anniversary of the first Deposit. The basis for calculating the renewal Portfolio Fee is the current value of cryptocurrencies on the anniversary of the first Deposit, with the calculation method of the Portfolio Fee specified in the Fee Schedule.

9.3.3 Custody Service Fee represents a fee for providing Custody Services according to this Agreement (hereinafter referred to as "Custody Fee"). The Custody Fee is an annual fee charged yearly in advance for each (even partial) calendar year of providing Custody Services. It is charged upfront at the first Deposit and for each subsequent Deposit proportionately to the anniversary of the first Deposit. The basis for calculating the renewal Custody Fee is the current value of cryptocurrencies on the anniversary of the first Deposit, with the calculation method of the Custody Fee specified in the Fee Schedule.

9.3.4 Profit Fee represents a fee paid by the User from the Profit achieved in connection with providing Advisory Services. The Profit Fee is charged in the event of Withdrawal, Partial Withdrawal, or Transfer (hereinafter referred to as "Profit Fee"). The basis for calculating the Profit Fee at Withdrawal or Transfer is the User's Profit at the moment of Withdrawal or Transfer. For Partial Withdrawal, the basis for calculating the Profit Fee is either the amount of the Partial Withdrawal or the amount of Profit, whichever is lower.

9.3.5 Transfer Fee represents a fee associated with covering the costs of Transfer in relation to providing Custody Services (hereinafter referred to as "Transfer Fee"). The amount of the Transfer Fee corresponds to the costs associated with the Transfer depending on the processing speed of the requested Transfer or the number of cryptocurrencies subject to the Transfer. The Transfer Fee applies to operations associated with the Transfer in case of termination of providing Custody Services according to this Agreement.

9.3.6 m0ne S.R.O. is entitled to charge additional fees related to providing Services according to this Agreement or for acts anticipated by this Agreement at rates according to the Fee Schedule.

10. TERMINATION AND SUSPENSION OF THE AGREEMENT'S ENFORCEMENT

This Agreement may be terminated in one of the following ways:

a) By mutual agreement of the Contracting Parties;

b) By notice from either of the Contracting Parties (according to Article 10.1 of this Agreement);

c) By withdrawal from the Agreement by m0ne S.R.O. (according to Article 10.2 of this Agreement);

d) By withdrawal from the Agreement by the User (according to Article 10.3 of this Agreement);

e) By termination or withdrawal for other reasons stipulated by this Agreement.

(collectively referred to as "Termination of the Agreement").

The Contracting Parties are obliged to perform all actions necessary to prevent any harm and fulfill their obligations according to this Agreement on the effective date of the Termination of the Agreement unless stipulated otherwise by this Agreement.

10.1 m0ne S.R.O. or the User may terminate this Agreement at any time by written notice, even without stating a reason. The notice period for termination of the agreement by notice as per the previous sentence is one month. m0ne S.R.O. may terminate this Agreement in writing by sending it to the User's email address specified in the Account. The User may terminate this Agreement in writing by sending it to the customer support email address of m0ne S.R.O.: info@acechange.io .

The notice period begins upon delivery of the notice to the other Contracting Party. After giving notice, the User must inform m0ne S.R.O. whether, in connection with the termination of the contractual relationship established by this Agreement, they request a

Withdrawal or Transfer related to the cryptocurrencies acquired by them. In case of Transfer requested by the User upon notice, the User must submit a Request for Cancellation of Custody in accordance with Article 6.6 of this Agreement.

After fulfilling the respective conditions for the execution of the Transfer and payment of the respective fees, m0ne S.R.O. commits to carry out the Transfer no later than within 15 (fifteen) days from the expiration of the notice period. The User commits to provide all necessary cooperation for the purpose of the Transfer in connection with the Termination of the Agreement.

If the User's notice leads to a Withdrawal, m0ne S.R.O. is obliged to pay the User the value of the cryptocurrencies in the currency in which the Deposit was made within 15 (fifteen) days from the expiration of the notice period as per this article. If the User does not deliver to m0ne S.R.O. a Request for Cancellation of Custody according to the conditions stated in this

Agreement or does not inform m0ne S.R.O. regarding the request for Withdrawal, m0ne S.R.O. is entitled to purchase the User's cryptocurrencies and perform the Withdrawal, paying the User the respective value in the currency in which the Deposit was made to the User's bank account.

10.2 If this Agreement or the conditions of any of the Services or any Product do not stipulate otherwise, m0ne S.R.O. is entitled to withdraw from the Agreement and cancel such User's Account and/or terminate the provision of Services to such User with immediate effect if:

a) The User provided false information in relation to entering into the Agreement or in connection with its performance, withheld or did not provide essential information or documents that are necessary for the existence and performance of obligations according to this Agreement;

b) The User is in default of fulfilling obligations under the Agreement and did not fulfill this obligation even within an additional period of at least 30 (thirty) days provided by m0ne S.R.O.;

c) m0ne S.R.O. has reasonable and demonstrable suspicion that the User's actions contravene or circumvent generally binding legal regulations or are contrary to good morals;

d) m0ne S.R.O. has reasonable and demonstrable suspicion that the Account was used unauthorizedly or for the purpose of committing a criminal act or any other unlawful action;

e) The obligation for m0ne S.R.O. to withdraw from the Agreement arises from a court decision, a public authority decision, or from a generally binding legal regulation. m0ne S.R.O. is entitled, in the case of withdrawal from the Agreement according to Article 10.2, to liquidate the User's cryptocurrencies and, after considering the respective fees of this Agreement, transfer the respective monetary funds in the currency in which the Deposit was made to the User's bank account, provided that transferring the User's funds in favor of his bank account does not contravene legal regulations or the decision of the respective authority.

10.3 If this Agreement or the conditions of any of the Services or any Product do not stipulate otherwise, the User is entitled to withdraw from the Agreement and terminate the provision of Services by m0ne S.R.O., with immediate effect, in case of:

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a) Serious or repeated breach of the Agreement by m0ne S.R.O.;

b) Termination of m0ne S.R.O.'s authorization to provide Services. In the event of withdrawal from the Agreement according to Article 10.3, m0ne S.R.O. is authorized to liquidate the User's cryptocurrencies and, after considering the respective fees of this Agreement, transfer the respective monetary funds in the currency in which the Deposit was made to the User's bank account, provided that the transfer of the User's funds in favor of his bank account does not contravene the conditions of this Agreement, generally binding legal regulations, or decisions of the respective authorities. If the User does not provide an address for the execution of the Transfer in the written withdrawal from the Agreement, m0ne S.R.O. is obligated to purchase the cryptocurrencies of such a User and pay out the value of the cryptocurrencies to the User's bank account according to the conditions of this Agreement. The User in this context commits to pay all costs associated with securing the Transfer and related fees, as well as to provide the necessary cooperation.

10.4 m0ne S.R.O. reserves the right to temporarily suspend the execution of its rights and obligations towards the User according to this Agreement (hereafter "Suspension of Services"), especially in case of:

a) If the User has not been provided with the respective level of care according to the conditions of this Agreement due to reasons on the User’s side;

b) Reasonable suspicion that the User provided m0ne S.R.O. with false, outdated, incomplete, or any misleading information;

c) Reasonable suspicion that the User violates the conditions of the Agreement or acts contrary to the Agreement;

d) If the User has exchanged the provision of Services in an unauthorized or fraudulent manner;

e) If the Account or funds received on it, or the cryptocurrencies related to it were used to commit an unlawful action;

f) If the use of the Account and the funds on it or related to it are subject to a dispute, investigation, or similar official proceedings;

g) If m0ne S.R.O. is the target of an attack aimed at the theft of cryptocurrencies (including private keys to them) or any restriction on dealing with them;

h) If the obligation to suspend the provision of Services arises from a court decision, a public authority decision, or a generally binding legal regulation;

i) If the right to Suspend Services arises from the provisions of this Agreement.

m0ne S.R.O. commits, in the event that the conditions for Suspension of Services are met, to promptly notify the User, unless such notification contradicts this Agreement, generally binding legal regulations, or the decision of the respective authority.

m0ne S.R.O. commits to restore the functionality of the Account within 15 days from the day the reasons for Suspension of Services cease.

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11. LIABILITY

11.1 m0ne S.R.O. is liable only for damage caused by its fault. m0ne S.R.O. is not liable for damage or other adverse consequences caused by:

a) Submission or presentation of false, outdated, incomplete, or in any way misleading information by the User;

b) Actions or omissions of the User, if the User was obliged to act or its action or omission violated its obligation or acted at its own risk;

c) Refusal to provide the Service due to the User's failure to meet the conditions according to this Agreement;

d) Directions and developments of the cryptocurrency market, as well as for damage related to the reduction in the value of the Deposit, the decrease in the value of cryptocurrencies, as well as potential loss of their value;

e) Unexpected change in legal regulations concerning the business activities of m0ne S.R.O. or legal regulation of cryptocurrencies or the provision of services related to them;

f) Suspension of services according to this Agreement; g) Temporary unavailability of the Platform or Services;

h) Actions of a third party;

i) Use of login details to the Account or any other security mechanism contrary to this Agreement;

j) Accepting actions of those individuals who, based on the presented information, documents, or evidence, are considered authorized to act on behalf of the User;

k) Circumstances beyond control according to Article 11.4 of the Agreement.

11.2 The User is liable for damage caused by them, as well as damage caused by the User breaching obligations according to this Agreement. The User is liable for any damage, harm, or adverse consequence caused by the User's action and/or omission, which is contrary to good morals, generally binding legal regulations, and/or this Agreement.

11.3 The contractual parties are obligated to compensate for damage caused by them, as a result of violating the conditions of this Agreement, conditions of providing Services, or breach of any of the declarations of the contractual parties, unless this Agreement stipulates otherwise.

11.4 m0ne S.R.O. is not liable for any damage, harm, adverse consequence, or inability or incapacity to fulfill obligations, if the reason for such breach of obligation by m0ne S.R.O. is:

a) An unpredictable or unexpected event, circumstance, or their set, beyond the reasonable control of m0ne S.R.O., especially, but not limited to, any change, exclusion, or malfunction on the part of a third party, especially, but not limited to, the provider of payment services, provider of cryptocurrency exchange service, provider of cryptocurrency wallet service, or operator of the securities market, intermediary of such services, or provider of any other services necessary for providing Services or fulfilling obligations according to this Agreement;

b) Unpredictable change in legal regulation governing the activity of m0ne S.R.O. and/or legal regulation and conditions of dealing with cryptocurrencies;

c) Declaration of emergency, act of God, terrorist activities, war, riots, intervention of armed forces or usurpation of power, or seizure of property values;

d) Any delay or malfunction caused by a problem of any system or network, interruption or malfunction of transmission, communication, data processing or computer equipment, or any mechanical failure of equipment necessary for providing Services or fulfilling obligations according to this Agreement.

(hereafter collectively referred to as "Circumstances Beyond Control").

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12.REFERRAL SYSTEM

12.1 m0ne S.R.O. provides the User with the opportunity to refer new users through the referral system available on the Platform ("Referral System").

12.2 The contractual parties have agreed that if the User successfully refers a new user, m0ne S.R.O. is entitled under the conditions set forth in this Agreement to provide the referring User with a reward. A successfully referred user is understood to be a person who establishes their Account through the Platform using the referral information specified under Article 12.3 and who makes a Deposit according to the conditions of this Agreement ("New User").

12.3 In referring New Users, the User must exclusively use the link or code of the Referral System provided in the Platform interface. If the New User makes a Deposit ("New User's Deposit"), m0ne S.R.O. is entitled to provide the User with a reward according to the conditions of this Agreement ("Reward").

12.4 The Referral System or related activities do not constitute a contractual relationship of commercial representation, mediation, or any other authorization to represent m0ne S.R.O. or act on its behalf by the User.

12.5 The User is obliged to use the Referral System exclusively in accordance with this Agreement. In utilizing the Referral System, the User undertakes not to:

a) Use the Referral System for the purpose of conducting illegal activities, fraud, in a manner that violates the Agreement or is contrary to good morals;

b) Utilize the Referral System in a manner involving the use of unsolicited messages, both in electronic and paper form, addressed to third parties;

c) Present themselves as a person authorized to act on behalf of or for m0ne S.R.O. or as its authorized representative, business partner, broker, or act in any other manner that could suggest such a fact.

12.6 m0ne S.R.O. is entitled but not obligated to pay the User a Reward if the New User's Deposit occurs under the conditions of this Agreement. The model for calculating the Reward is available on the Platform. The Reward will be paid to the User by crediting the corresponding value of the Reward to the value of the User's Deposit in the form of cryptocurrencies.

12.7 If the User obtains a Reward in violation of the conditions of the Referral System, the conditions of this Agreement, or in any other unauthorized manner, the User is obliged to return the value of such obtained Reward and compensate for the damage caused by such action.

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13.GENERAL PROVISIONS

13.1 m0ne S.R.O. reserves the right to modify, amend, or update the Platform, its functionality, or any of its components at any time and in any manner.

13.2 In the event that m0ne S.R.O. plans to make changes, modifications, or updates to the Platform or its functionality, and such activity may affect the provision of Services, m0ne S.R.O. is obligated to notify the User of this fact at least 1 (one) day before such change, modification, or update.

13.3 m0ne S.R.O. reserves the right to Suspend the provision of Services for the time necessary to protect the User's funds, in case m0ne S.R.O. is subject to an attack aimed at accessing the User's funds, m0ne S.R.O., or other users. m0ne S.R.O. commits to informing the User of the suspension of Services according to this clause without unnecessary delay.

13.4 Given that the provision of Services can be interrupted due to i) equipment failure, ii) regular maintenance or repair processes, iii) Circumstances beyond control according to this Agreement, or iv) other unexpected events, m0ne S.R.O. cannot guarantee continuous operation of the Platform and the provision of Services. However, m0ne S.R.O. commits to performing all actions necessary to ensure the smoothest possible operation of the Platform and the provision of Services.

13.5 The contractual parties have agreed that based on a special agreement, the User is entitled to temporarily transfer rights and obligations corresponding to ownership rights in relation to the User's cryptocurrencies ("Agreement on Disposition of Cryptocurrencies") and to authorize m0ne S.R.O. to dispose of such cryptocurrencies in relation to third parties.

13.6 Given that the ecosystems of cryptocurrencies are currently in early stages of development and adoption, for the purposes of expanding their use and awareness of their existence and functionality, new cryptocurrencies can be distributed for free through crediting new cryptocurrencies to the addresses of existing cryptocurrencies ("Airdrop"). In connection with the technological development of cryptocurrencies, a change in the underlying technological solution of the respective cryptocurrency may occur, which may result in the division of the transaction chain (blockchain/DLT) or its duplication and separation into a new network ("Fork") and subsequent distribution of new cryptocurrencies through the Airdrop process, or a similar process. The contractual parties have agreed that any cryptocurrencies credited to the User in connection with the provision of Services by m0ne S.R.O. based on Airdrop, Fork, or related processes are owned by the User, unless the contractual parties have agreed otherwise. The User is obligated to bear associated costs and fees according to the Price List or other costs related to the respective cryptocurrencies according to this Agreement in connection with handling cryptocurrencies obtained through Airdrop or Fork.

13.7 m0ne S.R.O. declares that according to this Agreement, it has no obligation regarding the exercise of the right to acquire any cryptocurrencies through the process of Airdrop or in connection with a Fork, if the exercise of such right to acquire the respective cryptocurrencies is required.

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14. CONFIDENTIAL INFORMATION

14.1 Confidential Information refers to information designated by the Contractual Parties as sensitive based on the Contractual Parties' consideration, information that forms the content of any document or other information, including, but not limited to, any information concerning or related to the Services, Products, Platform, cryptocurrency portfolio and its conditions, trade secrets, or other confidential business information of m0ne S.R.O. ("Confidential Information").

14.2 Access to Confidential Information is restricted to the Contractual Parties, and they commit to using the Confidential Information solely for purposes consistent with this Agreement. For this reason, the Contractual Parties undertake not to disclose Confidential Information to other persons, except as permitted under this Agreement. The Contractual Parties are not authorized to use Confidential Information in any way that could harm the other Contractual Party.

14.3 The Contractual Parties commit to maintaining the confidentiality of the Confidential Information they have obtained under this Agreement. The Contractual Parties are not authorized to provide Confidential Information to a third party unless required by law or a court decision, and even in such a case, the relevant Contractual Party is obligated to notify the other Contractual Party of this fact at least 10 (ten) days before the required disclosure. If the relevant law or court decision does not allow for notification of the other Contractual Party, the obligated Contractual Party shall provide such notification to the extent and manner in accordance with the applicable legal regulations, if allowed.

14.4 The Contractual Parties reserve any rights related to their Confidential Information, even if not expressly mentioned in this Agreement.

14.5 Confidential Information does not include information that (i) was publicly available before being disclosed to the Contractual Parties; (ii) was legally in the possession of the Contractual Parties before the conclusion of this Agreement; or (iii) became publicly available through publication or another lawful method not by the fault of the Contractual Party.

15. FINAL PROVISIONS

15.1 This Agreement becomes valid and effective at the moment the User clicks the acceptance button on the Platform interface or by manual signature by the user. The User expressly agrees to the use of remote communication means for concluding this Agreement.

15.2 This Agreement, along with all its annexes, which form an integral part of it, is binding on the Contractual Parties for the duration of the contractual relationship between them. The Agreement is available to the User on the Platform.

15.3 The processing of all personal data of the User obtained in connection with the conclusion and performance of the User agreement between the User and m0ne S.R.O. is governed by a separate document (Privacy Policy) available at https://www.acechange.io/legal#terms . The User declares that they have become familiar with the Privacy Policy and acknowledges them.

15.4 Communication

For the purposes of fulfilling this Agreement, the Contractual Parties have agreed that their communication will be addressed as follows:

m0ne S.R.O:info@acechange.io

The User's contact details are the information provided by the User. The User is obligated to continuously ensure the accuracy of the User's contact details, but the User is obligated to notify m0ne S.R.O. of any change in the User's contact details within 15 (fifteen) days from the day of the contact detail change. Electronic communication sent to the User's email address specified in the Platform interface is considered written communication under this agreement.

15.5 Change of Agreement

15.5.1. The Contractual Parties have agreed that any communication according to this Agreement will be in electronic form, with the Contractual Parties attributing the effects of written or documentary communication to such communication unless this Agreement specifies otherwise.

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15.5.2. This Agreement, including its annexes, constitutes the complete agreement between the Contractual Parties and supersedes any prior agreements or negotiations, whether oral or written, relating to the subject matter of this Agreement.

15.5.3. The Contractual Parties have agreed that m0ne S.R.O. is authorized to update, change, or amend the wording of this Agreement, its parts, or its annexes. m0ne S.R.O. is obligated to inform the User about any changes to the Agreement or its new wording before the changes take effect.

15.5.4. m0ne S.R.O. is required to inform the User about any changes to the Agreement, its parts, or its annexes in writing via email to the User's address listed in the Account. If the User disagrees with the new wording of the Agreement or any of its changes, the User is entitled to terminate the Agreement within 14 (fourteen) days from the date of receiving the notice of the Agreement change, in accordance with the terms of this Agreement.

15.5.5. The change to the Agreement takes effect after 14 (fourteen) days from the date the notice of the Agreement change is delivered to the User. By the lapse of the termination period in relation to the Agreement change without action, the User consents to the new wording without any reservations. The current wording of the Agreement and the Price List is available through the Platform.

15.5.6. The Contractual Parties have agreed that corrections of typographical, calculation errors, or other similar errors and obvious inaccuracies in the wording of the Agreement or any of its annexes do not constitute a change to the Agreement.

15.6. Complaints, Suggestions, and Complaints

In case of any suggestions or complaints related to the provision of Services, the User is entitled to contact m0ne S.R.O. at any time during the validity of this Agreement at the relevant support address:

info@acechange.io

A User who is a consumer has the right to address complaints related to the provision of Services to m0ne S.R.O. by sending a complaint to the address

info@acechange.io

A User who is a consumer has the right to request remediation from m0ne S.R.O. if they are not satisfied with how m0ne S.R.O. handled their complaint, or if they believe that m0ne S.R.O. violated their rights. The User has the right to initiate an alternative dispute resolution process with the alternative dispute resolution entity if m0ne S.R.O. responded negatively to the request mentioned above or did not respond within 30 days from its delivery.

The User submits the proposal to the relevant alternative dispute resolution entity, without prejudice to the right to take the matter to court. The proposal can also be submitted through the consumer dispute resolution platform available at the website

https://webgate.ec.europa.eu/odr/main/?event=main.home.show The supervisory authority is:

Slovak Trade Inspection Inspectorate SOI for the Bratislava region Supervision Enforcement Department, Bajkalská 21/A, P. O. BOX No. 5, 820 07 Bratislava, Slovak Republic The rules for handling complaints are described in more detail in a separate document available at https://www.acechange.io/legal#terms . The User declares that they have become familiar with the Complaint Handling Rules and acknowledges them.

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15.7. Headings

The headings of the individual sections in this Agreement are for convenience only and shall not affect the interpretation of any provision of this Agreement.

15.8. Security

The User is not authorized without the written consent of m0ne S.R.O. to create any mortgage right, encumbrance, or any other right in favor of a third party on the crypto assets that are subject to the provision of Services under this Agreement.

15.9. Taxes

The User is responsible for determining whether and to what extent any tax obligation applies in relation to the provided Services ("Taxes"), remitting, and paying Taxes to the relevant tax authority. m0ne S.R.O. allows for the export of transaction history through the Platform for these purposes. m0ne S.R.O. is not authorized, nor obliged under this Agreement, to examine the User's tax obligation, nor to represent the User in relation to Taxes.

15.10. Severability

Unless expressly stated otherwise in this Agreement, if any provision of this Agreement is found to be invalid, ineffective, or unenforceable in any jurisdiction, this shall not affect the validity, effectiveness, and enforceability of the remaining provisions of this Agreement. The Contractual Parties commit to negotiate in good faith and replace the invalid, ineffective, or unenforceable provision of the Agreement with a new provision that will be valid, effective, and enforceable and will, in terms of its purpose and function, correspond as closely as possible to the original provision.

15.11. Assignment

This Agreement is binding and its benefits accrue to the User. The User is not authorized to transfer or assign their rights and/or obligations under this Agreement to any other person. m0ne S.R.O. is authorized at any time to transfer or assign its rights and/or obligations under this Agreement, provided that such transfer or assignment will not materially affect the quality or content of the provided Services.

15.12. Waiver

If a Contractual Party does not exercise or delays exercising any right or entitlement under this Agreement, it does not constitute a waiver of such right, and neither does the single or partial exercise of any right or entitlement preclude any other or further exercise of it or the exercise of any other right or entitlement.

15.13. Language

This Agreement is concluded in English.

15.14. Governing Law and Dispute Resolution

This Agreement and the contractual relationships arising from it are governed by the laws of the Slovak Republic. All disputes or claims arising out of or in connection with this Agreement, including disputes regarding its validity, breach, termination, or non-existence, shall be finally settled by the courts of the Slovak Republic.

15.15. Protection of Funds

m0ne S.R.O. emphasizes in connection with the provision of Services under this Agreement that Deposits or any other funds of the User, including crypto assets acquired by the User in the provision of Services, are not subject to deposit protection under Act No. 118/1996 Coll. on deposit protection and on amendment and supplementation of certain acts, nor are they subject to protection by the Guarantee Fund for investments under Act No. 566/2001 Coll. on securities and investment services and on amendments and supplements to certain acts (Securities Act).

15.16. Surviving Obligations

All provisions of this Agreement that, by their nature, should survive the termination of this Agreement including, but not limited to, provisions relating to the suspension or termination of the Account, obligations of the User to M0NE S.R.O., use of the Platform, Services, indemnity, limitation of liability, governing law and dispute resolution, shall remain valid and in force to the extent necessary to preserve the rights and obligations arising from them.

Complaint handling rules

m0ne s. r. o., at Hlavná 47, 930 35 Michal na Ostrove, ID No.: 54661714, registered in the Commercial Register of the District Court Trnava, section: Sro, insert No. 51801/T (“the Company”) issues this internal regulation, which governs the procedures for submitting complaints and suggestions by a User or potential User and the procedure for their resolution.

1. Complaint

1.1 A complaint or suggestion (“Complaint”) is considered a written submission by a User or potential User in which the User or potential User expresses their disagreement with the way and the result of a specific service provided by the Company or a person cooperating with the Company.

1.2 Any User of the services provided by the Company or any potential User of such services (“Complainant”) is entitled to submit a Complaint.

2. Submitting a Complaint

2.1 The Complainant is required to submit Complaints in the following ways: a) via email to: info@acechange.io The Company will not consider Complaints submitted in any other way than stated in point a) of this article.

2.2 Mandatory elements of a Complaint are: a) identification data of the Complainant, including name, surname, address of permanent residence, or email address for a natural person; for a legal entity, identification data including business name, registered office address, identification number of the legal entity, entry in the relevant register, email address, and contact person’s identification data, b) subject of the Complaint with stated facts that are the reason for submitting the Complaint and suggesting a proposed method of rectification, c) documents or information proving the justification of the Complaint.

3. Receipt and Processing of Complaints

3.1 Upon receiving a Complaint, the Company will ensure its assignment to a designated employee (“Designated Responsible Person”), who will record the receipt of the Complaint, assess and evaluate if the Complaint has the requisites mentioned in Article 2.2 of this internal regulation. If the Complaint does not contain the prescribed mandatory elements, the Designated Responsible Person will request the Complainant to supplement the Complaint or remedy the deficiencies of the original Complaint.

3.2 If the delivered Complaint meets the requirements as per Article 2.2 of this internal regulation, the Designated Responsible Person will assess and evaluate the justification of the Complaint and ensure its resolution.

3.3 The Company is obliged to resolve the Complaint and take measures for its resolution within 30 days from the date of its receipt and within this period must inform the Complainant in writing about the manner of resolution. In justified cases, the Company is entitled to extend the deadline according to the previous sentence to a maximum of 45 days from the date of receipt of the Complaint, while the Company must notify the Complainant of the reasons for extending the deadline, within 30 days from the date of receiving the Complaint.

3.4 The Company reserves the right to determine the order of handling Complaints.

4. Keeping a Record of Complaints

4.1 The Company commits to maintaining a record of Complaints in the following scope: a) name, surname, and residence address of the Complainant, if a natural person; name or business name, registered office address, identification number of the legal entity, entry in the relevant register, and contact person’s identification data, if a legal entity, b) subject of the Complaint, c) date of receipt of the Complaint, d) identification of persons to whom the Complaint was submitted, e) evaluation of whether the Complaint was justified, f) method of resolution, g) measures taken for resolution, h) date of resolution.

5. Filing an Appeal Against the Outcome of the Complaint Resolution

5.1 If the Complainant is not satisfied with the outcome of the Complaint resolution, they are entitled to file an appeal against the result within 14 days from the date of receiving the outcome of their Complaint resolution. If the Complainant submits an appeal against the result of the Complaint resolution, the Company is obliged to decide on this appeal within 30 days from the date of receiving the said appeal.

5.2 The appeal against the result of the Complaint resolution must, besides the requisites of the Complaint according to this internal regulation, also include information on the date of receiving the outcome of the Complaint resolution for the purposes of proving compliance with the deadline as per Article 5.1 of this internal regulation and state facts justifying the submission of the appeal.

Payment refund rules

m0ne s. r. o., located at Hlavná 47, 930 35 Michal na Ostrove, ID No.: 54661714, registered in the Commercial Register of the District Court in Trnava, section: Sro, insert No.: 51801/T, hereby issues these regulations governing the payment methods and the procedure for refunding payments credited in favor of m0ne s. r. o. for the purpose of providing Services by m0ne s. r. o. to Users, in the manner intended according to the User Agreement.

1. Supported Payment Methods

1.1 For the purposes of making a Deposit, m0ne s. r. o. offers Users the choice of various payment methods listed and specified on the m0ne s. r. o. Platform. These payment methods include transferring User's funds through i) standard bank transfer (SEPA), ii) rapid deposit, iii) prepaid vouchers distributed by m0ne s. r. o. partners, or iv) other payment methods available on the m0ne s. r. o. Platform.

1.2 m0ne s. r. o. reserves the right to grant the User access to a specific payment method based on the value of the User's Account or other special conditions. Conditions for accessing a particular payment method are stated in the interface of the m0ne s. r. o. Platform or in the wording of the User Agreement.

1.3 m0ne s. r. o. commits to process the relevant Deposit in accordance with the conditions of the User Agreement. Funds subject to the selected payment method are accounted for after the payment is made. However, it is noted that the Deposit may not appear immediately after making the payment, according to the specific conditions for crediting the respective payment.

1.4 The transfer of funds to be credited as a Deposit may be delayed according to the specific payment conditions of the provider of the respective payment service or financial institution. The transfer of funds to be credited as a Deposit may also be rejected either by the relevant payment service provider according to the relevant service provision conditions or by m0ne s. r. o. in a manner and under conditions stated in the User Agreement.

1.5 The use of a payment method may be subject to special conditions by the payment service provider or financial institution, and therefore, additional fees associated with the selection of a specific payment method or financial institution fees (if applicable) may be charged. m0ne s. r. o. commits to exert all efforts to ensure that the Deposit is credited promptly, while maintaining the conditions arising from the User Agreement.

1.6 m0ne s. r. o. is not obliged to perform checks on the status of the Deposit credit upon User requests and is not responsible for losses, fees, or compensations associated with the use of the selected payment method. Relevant losses, fees, or compensations, including chargebacks related to the selection of the payment method, are solely borne by the User. Information about the Deposit credit is available on the m0ne s. r. o. Platform.

2. Payment Return and Withdrawals

2.1 m0ne s. r. o. commits to thoroughly review claims for payment returns related to the use of a specific payment method and also commits to refund Users properly and legitimately claimed refunds in accordance with the conditions specified in this document or in the User Agreement.

2.2 By crediting the Deposit, the User consents and gives an irrevocable instruction to provide Services in accordance with the User Agreement. The User acknowledges that the provision of Services by m0ne s. r. o. depends on the movement of virtual currency prices on the financial market beyond the objective control of m0ne s. r. o. Consequently, the User is not entitled to withdraw from the User Agreement within 14 (fourteen) days from its conclusion, according to the relevant provisions of Act No. 102/2014 Coll. on consumer protection in the sale of goods or provision of services based on a contract concluded at a distance or a contract concluded outside the seller’s premises, as amended.

2.3 m0ne s. r. o. reserves the right to require that the value of the User's Account (including the value of the User's virtual currencies) matches 1:1 the value of any deposit, especially Deposits via debit or credit card, within 120 days from the date of crediting the respective Deposit. In case of an unauthorized request by the User for a payment return, m0ne s. r. o. reserves the right to use funds available on the User's Account to compensate for all costs incurred in connection with such an unauthorized request by the User, in full amount.

2.4 m0ne s. r. o. commits to process the Withdrawal (including Partial withdrawal) in accordance with the conditions specified in the User Agreement. m0ne s. r. o. also commits to process all legitimate requests for payment returns quickly and with utmost effort.

3. Final Provisions

3.1 Terms with initial capital letters, which are not defined in this Payment Methods and Refund Policy, have the meaning given to them in the User Agreement concluded between m0ne s. r. o. and the User.