Terms of Service

These Terms of Service ("Terms") govern your access to and use of the services operated by Twinfin Ltd. ("TWINFIN™", "Twinfin", "we"). By creating an account or using our services you agree to these Terms. If you are acting on behalf of a legal entity, you confirm you are authorised to bind that entity.

1. Eligibility

You must be at least 18 years old, legally capable of entering a binding contract, and not located in a restricted jurisdiction. Corporate customers must be registered and in good standing. We may refuse service at our discretion where required by law, risk, or compliance considerations.

2. Account & onboarding

• Successful KYC/KYB and sanctions screening are required before account activation.
• Information you provide must be true, complete, and updated when it changes.
• You are responsible for safeguarding credentials, API keys, and signing devices.
• We may suspend or close accounts if we detect fraud, sanctions hits, or regulatory breaches.

3. The service

Twinfin provides payment processing that spans fiat and crypto. Twinfin's fiat operations are conducted within the EU framework of PSD2 (Directive (EU) 2015/2366), and crypto operations under MiCA (Regulation (EU) 2023/1114). During the interim period before our own EMI authorisation is in effect, fiat settlement may be executed by a regulated EMI partner; crypto custody and settlement are provided by Twinfin under MiCA CASP authorisation once granted. You acknowledge and consent to this partner structure.

4. Fees

Fees applicable to your plan are published on the Pricing page or agreed in a separate order form. Fees are exclusive of applicable taxes. We may change fees on 30 days' written notice. Continued use after the effective date constitutes acceptance.

5. Acceptable use

You will not: (a) use the service for money laundering, terrorism financing, sanctions evasion, fraud, or any activity prohibited by applicable law; (b) transact in assets or with counterparties we have restricted; (c) circumvent or disrupt the service; (d) misrepresent the source or purpose of funds; (e) resell or white-label the service without an express written agreement.

6. Transactions

• Crypto transactions on public networks are irreversible once confirmed on-chain.
• Fiat transactions are subject to banking cut-off times, SEPA/SWIFT rules, and payment scheme terms.
• We may delay, review, or refuse transactions for compliance reasons, and we may require source-of-funds documentation.

7. Risk disclosure

Crypto-assets are volatile and subject to market, technology, regulatory, and cybersecurity risks. Stablecoins may depeg. You are responsible for your own risk assessment. Past performance is not indicative of future results. Twinfin does not provide investment advice.

8. Intellectual property

The Twinfin platform, APIs, documentation, and brand assets are owned by Twinfin Ltd. and its licensors. We grant you a limited, revocable, non-transferable licence to use them solely for the purpose of using the service. You retain ownership of your own content and data.

9. Warranty disclaimer

The service is provided "as is" and "as available". Except as required by law, we disclaim all warranties of merchantability, fitness for purpose, and non-infringement. We do not warrant that the service will be uninterrupted or error-free.

10. Liability

To the maximum extent permitted by law, our aggregate liability for any claims arising out of these Terms is limited to the fees paid by you to Twinfin in the 12 months preceding the event giving rise to the claim. We are not liable for indirect, incidental, consequential, or punitive damages, loss of profit, or loss of data.

11. Termination

Either party may terminate the agreement for material breach not cured within 30 days. We may suspend or terminate immediately for legal, sanctions, fraud, or risk reasons. On termination, we will return your funds net of any outstanding fees and as permitted by applicable law and regulation.

12. Governing law & disputes

These Terms are governed by the laws of the Republic of Cyprus, including the Cyprus Companies Law (Cap. 113) where applicable to corporate matters. Disputes shall be referred to the competent courts of Cyprus, without prejudice to any non-waivable consumer rights.

13. Changes

We may update these Terms from time to time. We will post the latest version on this page and notify account holders of material changes. Your continued use after the effective date constitutes acceptance.

14. Contact

Questions about these Terms: legal@twinfin.tech. General inquiries: hello@twinfin.tech.