Terms of service.

1. Parties

These Terms of Service (the "Terms") form a binding agreement between MTX Finance Ltd., a corporation incorporated in British Columbia, Canada (BC1556756), having its registered address at 702 Russell Avenue, B438 Unit #A1017, Enderby, BC, V0E 1V0, Canada ("MTX", "we", "our", "us"), and the client identified in the relevant onboarding documentation (the "Client", "you", "your").

2. Services

Subject to these Terms and applicable law, MTX may make available the following services to the Client:

• Foreign exchange — EUR-denominated payment and conversion services.
• Funds remittance / money transfer — settlement and routing of EUR-denominated funds via SEPA through Cublox.
• Virtual currency exchange — conversion between EUR and virtual currencies (primarily USDC, USDT, BTC) through Crypto.com.
• Virtual currency transfer — transfer of virtual currency to whitelisted, pre-approved wallets following AML screening.

MTX does not provide custody of client virtual currency beyond the operational deposit/withdrawal flow, does not provide deposit-taking services, does not provide stored-value accounts, and does not accept cash.

3. Eligibility

The Client confirms that it is: (a) a corporate entity or a high-net-worth individual; (b) located in the EU, UK, or Canada (excluding Quebec); (c) not subject to Canadian sanctions, FATF black-listing, or other prohibition; and (d) authorised to enter into this agreement.

4. Onboarding, KYC, and KYB

Provision of services is contingent on successful onboarding, including identity verification (via SumSub), corporate documentation review, beneficial-ownership identification (≥ 25% threshold), sanctions and PEP screening, and risk assessment. MTX may, at its discretion and on a risk basis, decline to onboard or terminate any relationship.

5. Client obligations

The Client agrees to:

• Provide accurate, complete, and up-to-date information.
• Notify MTX of any change in directors, beneficial owners, registered address, business activities, or sanctions/PEP status.
• Use the services only for legitimate business purposes.
• Comply with all applicable laws, including AML/CFT, sanctions, and tax obligations.
• Use only beneficiary IBANs and wallet addresses pre-approved through MTX's whitelisting process.

6. Prohibited use

The Client must not use the services for, or in connection with, any of the following:

• Money laundering, terrorist financing, or any other financial crime.
• Activities subject to Canadian sanctions or in connection with sanctioned persons or entities.
• Transactions involving Quebec residents.
• Cash receipts or cash payouts.
• Custody beyond the operational deposit/withdrawal flow.
• Issuance of stablecoins or any retail consumer service.

7. Fees

Fees are set out in the applicable fee schedule, which forms part of these Terms. MTX may amend the fee schedule with advance written notice.

8. Compliance and reporting

MTX is required by law to monitor transactions and to file Suspicious Transaction Reports, Large Virtual Currency Transaction Reports, Electronic Funds Transfer Reports, and Terrorist Property Reports with FINTRAC where applicable. MTX is prohibited from disclosing to the Client that a suspicious activity report has been filed or is contemplated.

9. Risk and limitation of liability

The Client acknowledges that virtual currencies carry market, technological, and regulatory risks. MTX does not guarantee the value, future utility, or stability of any virtual currency. To the maximum extent permitted by applicable law, MTX is not liable for indirect, incidental, special, or consequential damages arising from the use of the services.

10. Force majeure

MTX is not liable for delays or failures arising from events beyond its reasonable control, including provider outages, regulatory action, network congestion, or force majeure events.

11. Privacy

MTX processes personal information in accordance with the Privacy Policy and PIPEDA. The Client consents to such processing, subject to the rights described in the Privacy Policy.

12. Termination

MTX may suspend or terminate the relationship at any time on compliance grounds, including but not limited to: failure of KYC/KYB; sanctions or PEP hit; STR filing; breach of these Terms; or regulatory direction. Suspension or termination does not relieve the Client of accrued obligations. MTX will return remaining client funds, subject to any legal hold or regulatory direction.

13. Governing law and dispute resolution

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. The Client agrees to the non-exclusive jurisdiction of the courts of British Columbia for any dispute arising under or in connection with these Terms.

14. Amendments

MTX may amend these Terms from time to time. Material amendments will be notified to the Client in writing at least 30 days in advance, unless a shorter period is required by law or regulation.

15. Contact

• compliance@mtxfinance.com — for all compliance-, legal-, and complaints-related matters.
• https://mtxfinance.com — corporate website.