Terms of Service

Last updated: January 16, 2023

Acceptance of These Terms of Service

Nexus Finance Ltd. (“Coinpanda”, “we”, “us”, or “our”) provides our services (described below) and related content to you through our website(s) located at https://coinpanda.io (the “Site”) and through our mobile applications and related technologies (“Mobile Apps”, and collectively, such Mobile Apps and the Site, including any updates or new features, functionality and technology, the “Service”). All access and use of the Service is subject to the terms and conditions contained in these Terms of Service (as amended from time to time, these “Terms of Service”). By accessing, browsing, or otherwise using the Site, Mobile Apps, or any other Service aspect, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not accept the terms and conditions of these Terms of Service, you will not access, browse, or otherwise use the Service.

We reserve the right, at our sole discretion, to change or modify portions of these Terms of Service at any time. If we do this, we will post the changes on this page and indicate at the top of this page the date these Terms of Service were last revised. You may read a current, effective copy of these Terms of Service by visiting the “Terms of Service” link on the Site and under the “Terms of service” section of our mobile apps. We will also notify you of any material changes, either through the Service user interface, a pop-up notice, email, or through other reasonable means. Your continued use of the Service after the date any such changes become effective constitutes your acceptance of the new Terms of Service. You should periodically visit this page to review the current Terms of Service, so you know of any revisions. If you do not agree to abide by these or any future Terms of Service, you will not access, browse, or use (or continue to access, browse, or use) the Service.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY, AS THEY CONTAIN AN AGREEMENT TO ARBITRATE AND OTHER IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THE AGREEMENT TO ARBITRATE REQUIRES (WITH LIMITED EXCEPTION) THAT YOU SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION, AND FURTHER (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST COINPANDA ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, AND (3) YOU MAY NOT BE ABLE TO HAVE ANY CLAIMS YOU HAVE AGAINST US RESOLVED BY A JURY OR IN A COURT OF LAW.

Your Privacy: at Coinpanda, we respect the privacy of our users. For more information, please see our Privacy Policy or under the “Privacy policy” section of our mobile apps (the “Privacy Policy”). Using the Service, you consent to our collection, use, and disclosure of personal data and other data as outlined therein.

Additional Terms: in addition, when using certain features through the Service, you will be subject to any additional terms applicable to such features that may be posted on or within the Service from time to time. All such terms are hereby incorporated by reference into these Terms of Service.

Access and Use of the Service

Service Description: The Service is designed to provide a unified dashboard for tracking cryptocurrency assets. Coinpanda also offers additional paid services, which may include, but are not limited to, projections of your potential investment gains based on reported transaction history, tax-related services, detailed transaction information, and an automated tool for assisting you with your cryptocurrency investments. Coinpanda also offers referrals to regulated services, such as access to third-party tax professionals and associated platforms.

Your Registration Obligations: for some of our Services, you may be required to register with Coinpanda or provide information about yourself (e.g. name and email address) to access and use certain features of the Service. Depending on the Services you choose, you may also provide other information, such as billing and verification data or cryptocurrency wallet information. Upon registering, you are considered a “Member” of Coinpanda. If you register for the Service, you agree to provide and maintain true, accurate, current, and complete information about yourself as prompted by the Service’s registration form. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 18 years of age, you are not authorized to use the Service. Using Coinpanda as an individual, you represent and warrant that you are at least 18 years of age and may legally enter into a binding contract with Coinpanda. We disclaim any liability for misrepresenting your or any other user’s age. You further represent and warrant that you are not prohibited from using Coinpanda under the laws of the United States or any applicable jurisdiction.

Member Account, Password, and Security: you are responsible for maintaining the confidentiality of your password and account details, if any, and are fully responsible for any and all activities under your password or account. You agree to (a) immediately notify Coinpanda of any unauthorized use of your password or account or any other security breach, and (b) ensure that you exit from your account at the end of each session when accessing the Service. Coinpanda will not be liable for any loss or damage arising from your failure to comply with this paragraph.

Modifications to Service: Coinpanda reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Coinpanda will not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

General Practices Regarding Use and Storage: you acknowledge that Coinpanda may establish general practices and limits concerning the use of the Service, including the maximum period that data or other content will be retained by the Service and the maximum storage space that will be allotted on Coinpanda’s or its third-party service providers’ servers on your behalf. You agree that Coinpanda has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service. You acknowledge that Coinpanda reserves the right to terminate accounts that are inactive for an extended period. You further acknowledge that Coinpanda reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

No Financial, Professional, or Investment Advice; Risks

Coinpanda is not in the business of providing legal, tax, audit, accounting, brokerage, or other professional services or advice. Through your use of Coinpanda, you acknowledge and agree that information provided by Coinpanda is simply informational only, and should not be considered a substitute for the services or advice of a competent professional. Further, the information provided herein should not be taken as financial planning or investment solicitation. No fiduciary relationship has been created between you and Coinpanda.

You hereby understand and acknowledge that through your use of Coinpanda, you are not being represented by an attorney, certified financial planner, broker, or other regulated advisors. Certain aspects of Coinpanda Services may provide access to such a professional (for example, through a referral service by which Coinpanda receives affiliation fees) or provide tax-related information. Still, if you are in need of legal or financial advice, including a review of any financial or tax decisions, we advise you to consult the appropriate advisor, such as your attorney, accountant, or other professional.

We endeavor to keep Coinpanda and its Services as secure as possible. Still, you hereby acknowledge that no system involving the transmission of information via the Internet, or the electronic storage of data, is completely secure. We are not liable for any loss, theft, unauthorized access, disclosure, copying, use, or modification of your data outside our reasonable control. Coinpanda also makes no warranties as to the reliability or accuracy, completeness, or quality of any information on Coinpanda or obtained through the Services. you agree that Coinpanda is not liable for any errors, omissions, loss, or damage which may be caused by your use of Coinpanda or Services, to the fullest extent permitted by law. Any damage that may occur to you, through your computer system, or as a result of the loss of your data from your use of Coinpanda or Services is your sole responsibility.

Documents, information, or other Services received on or through Coinpanda may not be appropriate for your particular situation, the assessment of which is your sole and exclusive responsibility.

Coinpanda makes no assurances to any particular outcome based on your use of Coinpanda or any of the Services, including business or financial outcomes. If you choose to purchase Coinpanda’s automated investment Services, you acknowledge and agree that these Services may not be suitable for every investor and that you should always undertake to make your own investment decisions. You further agree that any projected returns shown through Coinpanda’s Services may not be indicative of real-world results and that your investment returns or financial gains are not guaranteed in any way. Any representations of historical or projected performance are not warranted to be accurate or error-free.

The information provided by the Services is for information only and does not constitute, and should not be construed as, investment advice or a recommendation to buy, sell, or otherwise transact in any digital asset, including any products or services or an invitation, offer or solicitation to engage in any investment activity with respect to any digital asset.

The digital assets about which information is provided via the Services are not viewed by the issuer or sponsor, or those buying or selling the digital asset, as securities under U.S. laws or relevant applicable laws. As a result, it is unlikely that fulsome disclosures from the issuer or sponsor, or any executive officer associated with the digital asset or related protocol have been provided, and others may have better or more information than the information made available to you via the Services or to which you may independently have access.

There are risks associated with investing in digital assets. Loss of principal is possible. Volatility is highly likely, and some protocols and platforms may fail due to forking, flaws in the code, hacking, or other malicious attacks. Some high-risk investments may use leverage, which will accentuate gains and losses. A digital asset’s past investment performance is not a guarantee or predictor of future performance.

THESE TERMS DO NOT REPRESENT A COMPLETE STATEMENT OF RISK FACTORS ASSOCIATED WITH AN INVESTMENT IN DIGITAL ASSETS OR PRODUCTS THAT MAY BE VIEWED OR TRACKED ON THIS SITE OR THROUGH THE SERVICE. YOU SHOULD CONSIDER THESE RISK WARNINGS CAREFULLY AND TAKE APPROPRIATE INVESTMENT ADVICE BEFORE MAKING ANY DECISION TO PURCHASE OR TRADE A DIGITAL ASSET.

Conditions of Access and Use

User Conduct: you are solely responsible for all code, video, images, information, data, text, software, music, sound, photographs, graphics, messages, and other materials (“content”) that you make available to Coinpanda, including by uploading, posting, publishing, or displaying (hereinafter, “upload(ing)”) via the Service or by emailing or otherwise making available to other users of the Service (collectively, “User Content”). The following are examples of the kinds of content and/or uses that are illegal or prohibited by Coinpanda. Coinpanda reserves the right to investigate and take appropriate legal action against anyone who, in Coinpanda’s sole discretion, violates this provision, including removing the offending content from the Service, suspending or terminating the account of such violators, and reporting the violator to law enforcement authorities. You agree to not use the Service to:

  1. Email or otherwise upload any content that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (iv) poses or creates a privacy or security risk to any person; (v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “contests,” “sweepstakes,” or any other form of solicitation; (vi) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful, discriminatory, or otherwise objectionable; or (vii) in the sole judgment of Coinpanda, is objectionable or which restricts or inhibits any other person from using or enjoying the Service, or which may expose Coinpanda or its users to any harm or liability of any type;
  2. Interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies, or regulations of networks connected to the Service;
  3. Violate any applicable local, state, national, or international law or any regulations having the force of law;
  4. Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  5. Solicit personal information from anyone under the age of 18;
  6. Harvest or collect email addresses or other contact information of other users from the Service by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;
  7. Advertise or offer to sell or buy any goods or services for any business purpose that is not specifically authorized;
  8. Further or promote any criminal activity or enterprise or provide instructional information about illegal activities;
  9. Obtain or attempt to access or otherwise obtain any content or information through any means not intentionally made available or provided for through the Service;
  10. Circumvent, remove, alter, deactivate, degrade, or thwart any of the content protections in or geographic restrictions on any content (including Service Content (as defined below)) available on or through the Service, including through the use of virtual private networks; or
  11. Engage in or use data mining, robots, scraping, or similar data gathering or extraction methods. If Coinpanda blocks you from accessing the Service (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address or virtual private network).

Competitors: no employee, independent contractor, agent, or affiliate of any competing provider of crypto asset management or tax compliance services is permitted to view, access, or use any portion of the Service without express written permission from Coinpanda. By viewing, using, or accessing the Service, you represent and warrant that you are not a competitor of Coinpanda or any of its affiliates, or acting on behalf of a competitor of Coinpanda in using or accessing the Service.

Fees: to the extent the Service or any portion thereof is made available for any fee, you may be required to select a payment plan and provide information regarding your credit card or other payment instruments. You may also be asked to provide additional cryptocurrency portfolio and wallet information, and other information that will assist us in providing the Services to you. You may further be asked for API access for certain accounts, which may be aggregated on Coinpanda. You represent and warrant to Coinpanda that such information is true and that you are authorized to use the payment instrument. You will promptly update your account information with Coinpanda or the Payment Processor (as defined below), as applicable, of any changes (for example, a change in your billing address or credit card expiration date) that may occur. You agree to pay Coinpanda the amount specified in the payment plan in accordance with the terms of such plan and these Terms of Service. If your payment plan includes an ongoing subscription that is automatically renewed periodically, you hereby authorize Coinpanda (through the applicable Payment Processor) to bill your payment instrument in advance periodically in accordance with the terms of the applicable payment plan until you terminate your account, and you further agree to pay any charges so incurred. If you dispute any charges, you must inform Coinpanda within thirty (30) days after the date that Coinpanda charges you. We reserve the right to change Coinpanda’s prices. If Coinpanda does change prices, Coinpanda will provide notice of the change through the Service user interface, a pop-up notice, email, or through other reasonable means, at Coinpanda’s option, at least thirty (30) days before the change is to take effect. Your continued use of the Service after the price change becomes effective constitutes your agreement to pay the changed amount. You will be responsible for all taxes associated with the Service, other than taxes based on Coinpanda’s net income.

Payment Processing: notwithstanding any amounts owed to Coinpanda hereunder, COINPANDA DOES NOT PROCESS PAYMENT FOR ANY SERVICES. To facilitate payment for the Service via bank account, credit card, or debit card, we use third-party payment processors (collectively, “Payment Processors”), including without limitation Stripe, Inc. and its affiliates (“Stripe”). and are subject to the [Stripe terms and conditions and other policies available at https://stripe.com/legal and Stripe’s Global Privacy Policy available at: https://stripe.com/privacy (collectively, the “Stripe Agreements”). These payment processing services are provided by the Payment Processors. They are subject to the applicable Payment Processor’s terms and conditions, privacy policy, and all other relevant agreements, including the Stripe terms and conditions and other policies available at https://stripe.com/legal and Stripe’s Global Privacy Policy available at https://stripe.com/privacy (collectively, the “Payment Processor Agreements”). By agreeing to these Terms of Service, users that use the payment functions of the Service also agree to be bound by the applicable Payment Processor Agreement for the payment function the user is using, as the same may be modified by the applicable Payment Processor from time to time. You hereby authorize the applicable Payment Processor to store and continue billing your specified payment method even after such payment method has expired, to avoid interruptions in payment for your use of the Service. Please contact the applicable Payment Processor for more information. Coinpanda assumes no liability or responsibility for any payments you make through the Service.

Refunds, Cancellations, and Changes: payments made by you hereunder are final and non-refundable unless otherwise determined by Coinpanda. If you would like to request a refund, you can contact us with your purchase receipt, your refund request, and your reason for the refund. Refunds are not possible once you have downloaded any of the tax forms or CSV files (including Transaction History CSV).

Commercial Use: unless otherwise expressly authorized herein or in the Service, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer, or upload for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

Electronic Communications: visiting or using the Services or sending emails to Coinpanda constitute electronic communications. By visiting the Site, using the Services, or sending emails to Coinpanda, you consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email, or on the Services, satisfy any legal requirement that such communications be in writing.

Mobile Services and Software

Mobile Services: the Service includes certain services that are available via a mobile device, including (i) the ability to upload content to the Service via a mobile device, (ii) the ability to browse the Service and the Site from a mobile device, and (iii) the ability to access certain features and content through Mobile Apps (collectively, the “Mobile Services”).

Mobile App License: subject to these Terms of Service, Coinpanda hereby grants to you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to (a) install the Mobile App on one mobile device and (b) use the Mobile App for your personal use solely to access and use the Service. For clarity, the foregoing is not intended to prohibit you from installing the Mobile App on another device on which you also agreed to these Terms of Service. Each instance of these Terms of Service you agree to in connection with downloading a Mobile App grants you the aforementioned rights in connection with the installation and use of the Mobile App on the applicable device.

Ownership; Restrictions: the technology and software underlying the Service or distributed in connection are the property of Coinpanda, its affiliates, and its licensors, including the Mobile Apps (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the software. Any rights not expressly granted herein are reserved by Coinpanda.

Special Notice for International Use; Export Controls: Coinpanda is headquartered in Bulgaria, a European Union (EU) member state. If you access or use the Service from outside the EU, you do so at your own risk. Whether inside or outside of the EU, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction. Software available in connection with the Service and the transmission of applicable data, if any, is subject to European Union export controls. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of EU export laws. Downloading or using the Software is at your sole risk.

Third-Party Distribution Channels: Coinpanda offers software that may be made available through the Apple App Store, the Google Play Store, third-party tax software, or other distribution channels (“Distribution Channels”). If you obtain such Software through a Distribution Channel, you may be subject to additional terms of the Distribution Channel. These Terms of Service are between you and us only, and not with the Distribution Channel. To the extent that you utilize any other third-party products and services in connection with your use of the Service, you agree to comply with all applicable terms of any agreement for such third-party products and services.

Apple-Enabled Software: with respect to Mobile Apps that are made available for your use in connection with an Apple-branded product (the “Apple-Enabled Software”), in addition to the other terms and conditions set forth in these Terms of Service, the following terms and conditions apply:

  • You and Coinpanda acknowledge that these Terms of Service are concluded between Coinpanda and you only, and not with Apple Inc. (“Apple”) and that as between Coinpanda and Apple, Coinpanda, not Apple, is solely responsible for the Apple-Enabled Software and the content thereof.
  • You may not use the Apple-Enabled Software in any manner that violates or is inconsistent with the Usage Rules set forth for Apple-Enabled Software in, or otherwise be in conflict with, the Apple Media Services Terms and Conditions.
  • Your license to use the Apple-Enabled Software is limited to a non-transferable license to use the Apple-Enabled Software on an iOS product that you own or control, as permitted by the “Usage Rules” outlined in the Apple Media Services Terms and Conditions, except that such Apple-Enabled Software may be accessed and used by other accounts associated with the purchaser via Apple’s Family Sharing or volume purchasing programs.
  • Apple has no obligation to provide any maintenance or support services concerning the Apple-Enabled Software.
  • Apple is not responsible for any product warranties, whether express or implied by law. In the event of any failure of the Apple-Enabled Software to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Apple-Enabled Software, if any, to you; and, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever concerning the Apple-Enabled Software, or any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty, which will be Coinpanda’s sole responsibility, to the extent it cannot be disclaimed under applicable law.
  • You and Coinpanda acknowledge that Coinpanda, not Apple, is responsible for addressing any claims of you or any third party relating to the Apple-Enabled Software or your possession or use of that Apple-Enabled Software, including (a) product liability claims; (b) any claim that the Apple-Enabled Software fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.
  • In the event of any third-party claim that the Apple-Enabled Software or your possession and use of that Apple-Enabled Software infringe that third party’s intellectual property rights, as between Coinpanda and Apple, Coinpanda, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
  • You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo, or the U.S. Government has designated that as a “terrorist supporting” country, and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
  • If you have questions, complaints, or claims concerning the Apple-Enabled Software, they should be directed to Coinpanda.
  • You must comply with applicable third-party terms of agreement when using the Apple-Enabled Software, e.g., your wireless data service agreement.
  • You and Coinpanda acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these Terms of Service concerning the Apple-Enabled Software and that, upon your acceptance of the terms and conditions of these Terms of Service, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms of Service against you concerning the Apple-Enabled Software as a third-party beneficiary thereof.

Google-Sourced Software: The following applies to any Mobile App you download from the Google Play Store (“Google-Sourced Software”): (a) you acknowledge that these Terms of Service are between you and Coinpanda only, and not with Google, Inc. (“Google”); (b) your use of Google-Sourced Software must comply with Google’s then-current Google Play Terms of Service; (c) Google is only a provider of Google Play where you obtained the Google-Sourced Software; (d) Coinpanda, and not Google, is solely responsible for Coinpanda’s Google-Sourced Software; (e) Google has no obligation or liability to you with respect to Google-Sourced Software or these Terms of Service; and (f) you acknowledge and agree that Google is a third-party beneficiary to these Terms of Service as it relates to Coinpanda’s Google-Sourced Software.

Open Source Software: the Software may contain or be provided with open-source software. Each item of open-source software is subject to its license terms. If required by any license for particular open-source software, Coinpanda makes such open-source software, and Coinpanda’s modifications to that open-source software (if any), available by written request to our contact us page. Copyrights to the open-source software are held by the respective copyright holders indicated therein.

Intellectual Property Rights

Service Content: you acknowledge and agree that the Service may contain content or features (“Service Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by Coinpanda, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Service or the Service Content, in whole or in part, except that the foregoing does not apply to your User Content (as defined below) that you upload to or make available through the Service in accordance with these Terms of Service. Any use of the Service or the Service Content other than as specifically authorized herein is strictly prohibited.

Trademarks: the Coinpanda name and logos are trademarks and service marks of Coinpanda (collectively the “Coinpanda Trademarks”). Other Coinpanda, product, and service names and logos used and displayed via the Service may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to Coinpanda. Nothing in these Terms of Service or the Service should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of Coinpanda Trademarks displayed on the Service, without our prior written permission in each instance. All goodwill generated from using Coinpanda Trademarks will be exclusive to our benefit.

Third-Party Material: under no circumstances will Coinpanda be liable in any way for any content or materials of any third parties (including users), including for any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that Coinpanda does not pre-screen content, but that Coinpanda and its designees will have the right (but not the obligation) in their sole discretion to refuse or remove any content that is available via the Service. Without limiting the foregoing, Coinpanda and its designees will have the right to remove any content that violates these Terms of Service or is deemed by Coinpanda, in its sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness.

User Content: you represent and warrant that you own all rights, titles, and interests in and to such user content, including all copyrights and rights of publicity contained therein. You hereby grant Coinpanda and its affiliated companies, successors, and assigns the following non-exclusive, worldwide, royalty-free, fully paid-up transferable licenses:

  • The irrevocable, perpetual license to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform or publicly display any other content submitted or made available for inclusion on the publicly accessible areas of Coinpanda, whether in whole or in part. Incorporating such content into other works in any arrangement or medium currently used or later developed.
  • The license to use, for the sole purposes of providing the Services to you, any financial or cryptocurrency information you may provide to us, including but not limited to prior history of cryptocurrency investing, personal cryptocurrency portfolio data, and prior tax information. This license is revocable by you at any time and will expire upon termination of these Terms of Service. You hereby expressly consent to allow us to use any personal information for the sole and express purpose of providing the Services to you. If you purchase any paid Services through which Coinpanda agrees to rebalance your cryptocurrency portfolio or portfolios through its automated investment tool, you hereby consent to and authorize Coinpanda to manage your portfolio or portfolios in such capacity.

You assume all risks associated with your User Content and the transmission of your User Content, and you have sole responsibility for the accuracy, quality, legality, and appropriateness.

You hereby authorize Coinpanda and its third-party service providers to derive statistical and usage data relating to your use of the Service (“Usage Data”). We may use Usage Data for any purpose in accordance with applicable law and our Privacy Policy.

We provide an area for our users and Members to contribute feedback to our website and apps. Any questions, comments, suggestions, ideas, documents, feedback, reviews, proposals, or other information about the Service (“Submissions”), provided by you to Coinpanda are non-confidential. Coinpanda will be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise, without acknowledgment, attribution, or compensation to you.

You acknowledge and agree that Coinpanda may preserve user content and may also disclose user content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws, or government requests; (b) enforce these Terms of Service; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of Coinpanda, its users, or the public. You understand that the technical processing and transmission of the Service, including your User Content, may involve (i) transmissions over various networks; and (ii) changes to conform and adapt to the technical requirements of connecting networks or devices.

Copyright Complaints: Coinpanda respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, you should notify Coinpanda of your infringement claim in accordance with the procedure set forth below.

Coinpanda will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws with respect to any alleged or actual infringement. A notification of claimed copyright infringement should be emailed to Coinpanda’s Copyright Agent at legal@coinpanda.io (Subject line: “DMCA Takedown Request”). A sample DMCA notification, with the required information, can be found at https://www.copyright.gov/512/sample-notice.pdf).

Third-Party Services and Websites

The Service may provide links or other access to services, sites, technology, and resources made available by third parties (the “Third-Party Services”). Additionally, you may enable or log in to the Service via various online Third-Party Services, such as third-party tax software providers, crypto service providers, or banks, and social media or social networking services like Twitter, LinkedIn, and Reddit. Your access and use of the Third-Party Services may also be subject to additional terms and conditions, privacy policies, or other agreements with a such third party, and you may be required to authenticate to or create separate accounts to use Third-Party Services on the websites or via the technology platforms of their respective providers. Some Third-Party Services will provide us with access to certain information that you have provided to third parties, including through such Third-Party Services, and we will use, store and disclose such information in accordance with our Privacy Policy. For more information about the implications of activating Third-Party Services and our use, storage, and disclosure of information related to you and your use of such Third-Party Services within the Service, please see our Privacy Policy. Coinpanda has no control over and is not responsible for such Third-Party Services, including for the accuracy, availability, reliability, or completeness of information shared by or available through Third-Party Services, or on the privacy practices of Third-Party Services. We encourage you to review the privacy policies of the third parties providing Third-Party Services before using such services. You, and not Coinpanda, will be responsible for any and all costs and charges associated with using any Third-Party Services. Coinpanda enables these Third-Party Services merely as a convenience, and the integration or inclusion of such Third-Party Services does not imply an endorsement or recommendation. Any dealings with third parties while using the Service are between you and the third party. Coinpanda will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any Third-Party Services.

Third-Party Affiliate Marketing

Coinpanda receives affiliation fees from third-party businesses through referral links on the Coinpanda website or app. We recommend products and services based on the anticipated needs of our users and will always make it clear when we receive a commission, referral, or other fee based on those recommendations.

Indemnification

You agree to defend, indemnify, and hold harmless Coinpanda, its affiliates, and its and their respective officers, employees, directors, service providers, licensors, and agents (collectively, the “Coinpanda Parties”) from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind, and injury (including death) arising out of or relating to your use of the Service, any User Content, your connection to the Service, your violation of these Terms of Service, or your violation of any rights of another. Notwithstanding the foregoing, you will have no obligation to indemnify or hold harmless any Coinpanda Party from or against any liability, losses, damages, or expenses incurred from gross negligence or willful misconduct of such Coinpanda Party. Coinpanda will notify you of any such claim, suit, or proceeding. Coinpanda reserves the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section, and you agree to cooperate with any reasonable requests assisting Coinpanda’s defense of the such matter. You may not settle or compromise any claim against the Coinpanda Parties without Coinpanda’s written consent.

Disclaimer of Warranties

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. THE COINPANDA PARTIES EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

THE COINPANDA PARTIES MAKE NO WARRANTY THAT (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS.

NO ADVICE AND/OR INFORMATION, DESPITE WHETHER WRITTEN OR ORAL, THAT MAY BE OBTAINED BY YOU FROM COINPANDA OR BY WAY OF OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE COINPANDA PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, INCLUDING DAMAGES FOR LOSS OF GOODWILL, USE, OR DATA OR OTHER INTANGIBLE LOSSES (EVEN IF THE COINPANDA PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, RESULTING FROM: (A) THE USE OR THE INABILITY TO USE THE SERVICE; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (D) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (E) ANY OTHER MATTER RELATING TO THE SERVICE. IN NO EVENT WILL THE COINPANDA PARTIES’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID COINPANDA IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

SHOULD YOU INTEND TO CREATE OR TO JOIN ANY SERVICE, RECEIVE OR REQUEST ANY NEWS, MESSAGES, ALERTS, OR OTHER INFORMATION FROM US OR OUR SERVICES CONCERNING COMPANIES, STOCK QUOTES, INVESTMENTS, OR SECURITIES, PLEASE REVIEW THE SECTIONS ON THE DISCLAIMER OF WARRANTIES AND LIMITATIONS OF LIABILITY HEREIN. IN ADDITION, FOR THIS PARTICULAR TYPE OF INFORMATION, THE PHRASE “LET THE INVESTOR BEWARE” IS APPROPRIATE. COINPANDA’S CONTENT IS PROVIDED PRIMARILY FOR INFORMATIONAL PURPOSES ONLY. THE SERVICES SHALL NOT BE A SUBSTITUTE FOR TRADING ADVICE, INVESTMENT ADVICE, LEGAL ADVICE, OR TAX ADVICE FROM A LICENSED PROFESSIONAL. CERTAIN OF THE PAID SERVICES MAY PROVIDE ACCESS TO AN ADVISOR, BUT COINPANDA AND OUR LICENSORS SHALL NOT BE RESPONSIBLE OR LIABLE FOR THE ACCURACY, USEFULNESS, OR AVAILABILITY OF ANY INFORMATION TRANSMITTED AND/OR MADE AVAILABLE BY WAY OF OUR SERVICES, AND SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY TRADING AND/OR INVESTMENT DECISIONS BASED ON ANY SUCH INFORMATION.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OR EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU OR BE ENFORCEABLE WITH RESPECT TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE THE USE OF THE SERVICE.

IF YOU ARE A USER FROM NEW JERSEY, THE FOREGOING SECTIONS TITLED “DISCLAIMER OF WARRANTIES” AND “LIMITATION OF LIABILITY” ARE INTENDED TO BE ONLY AS BROAD AS IS PERMITTED UNDER THE LAWS OF THE STATE OF NEW JERSEY. IF ANY PORTION OF THESE SECTIONS IS HELD TO BE INVALID UNDER THE LAWS OF THE STATE OF NEW JERSEY, THE INVALIDITY OF SUCH PORTION WILL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THE APPLICABLE SECTIONS.

Dispute Resolution By Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY, AS IT AFFECTS YOUR RIGHTS.

  1. Agreement to Arbitrate
  2. Prohibition of Class and Representative Actions and Non-Individualized Relief
  3. Pre-Arbitration Dispute Resolution
  4. Arbitration Procedures
  5. Costs of Arbitration
  6. Confidentiality
  7. Severability
  8. Future Changes to the Arbitration Agreement

Termination

You agree that Coinpanda, in its sole discretion, may suspend or terminate your account (or any part thereof) or use of the Service and remove and discard any content within the Service, for any reason, including for lack of use or if Coinpanda believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusive, or illegal activity that may be grounds for termination of your use of the Service, may be referred to appropriate law enforcement authorities. Coinpanda may also, in its sole discretion and discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of these Terms of Service may be effected without prior notice, and acknowledge and agree that Coinpanda may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that Coinpanda will not be liable to you or any third party for any termination of your access to the Service.

User Disputes

You agree that you are solely responsible for your interactions with any other user in connection with the Service, and Coinpanda will have no liability or responsibility with respect thereto. Coinpanda reserves the right but has no obligation, to become involved in any way with disputes between you and any other Service user.

General

These Terms of Service (together with the terms incorporated by reference herein) constitute the entire agreement between you and Coinpanda governing your access and use of the Service, and supersede any prior agreements between you and Coinpanda with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use Third-Party Services, third-party content, or third-party software. These Terms of Service will be governed by the laws of Bulgaria without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as stated above, you and Coinpanda submit to the personal and exclusive jurisdiction of the state and federal courts in Bulgaria. The failure of Coinpanda to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Service or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of these Terms of Service and any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms of Service to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign these Terms of Service without the prior written consent of Coinpanda, but Coinpanda may assign or transfer these Terms of Service, in whole or in part, without restriction. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. As used in these Terms of Service, the words “include” and “including,” and variations thereof, will not be deemed to be terms of limitation, but rather will be deemed to be followed by the words “without limitation.” Notices to you may be made via either email or regular mail. The Service may also provide notices to you of changes to these Terms of Service or other matters by displaying notices or links to notices generally on the Service. Coinpanda will not be in default hereunder because of any failure or delay in the performance of its obligations where such failure or delay is due to civil disturbances, riots, epidemics, hostilities, war, terrorist attack, embargo, natural disasters, acts of God, flood, fire, sabotage, fluctuations or unavailability of electrical power, network access or equipment, or any other circumstances or causes beyond Coinpanda’s reasonable control.

Questions? Concerns? Suggestions?

Please contact us to report any violations of these Terms of Service or to pose any questions regarding these Terms of Service or the Service.

Need some help?

Can’t find what you are looking for or need some clarification? Don’t hesitate to get in touch!

legal@coinpanda.io