Terms of Service

1.1 Introduction

These Terms of Service (the "Terms") govern your access to and use of the Infini Platform and related Services. By accessing or using the Platform or any Services, you enter into a legally binding agreement with the relevant Infini entity responsible for providing the applicable Service. Infini operates a technology-enabled digital asset and payment infrastructure platform that provides users with access to digital asset functionality, payment-related services, transaction processing capabilities, and related technology solutions. The Platform includes Infini’s websites, mobile applications, online interfaces, APIs, dashboards, software interfaces, and other digital products or services made available by Infini from time to time (collectively, the "Platform"). The availability of specific Services may vary depending on factors including your jurisdiction, eligibility, account type, regulatory requirements, availability of Third-Party Providers, and operational considerations.

If you do not agree to these Terms, you must not access or use the Platform or the Services.

1.2 Scope of These Terms

These Terms establish the general framework governing your relationship with Infini and apply to your access to and use of Services made available through the Platform.

Different Services may be provided by different Infini entities, Affiliates, or designated service providers depending on factors including the nature of the Service, your location, applicable regulatory requirements, operational arrangements, and product structure. Where applicable, the relevant service provider, contractual entity, or additional terms governing a specific Service may be identified through product documentation, disclosures, agreements, or other information made available through the Platform.

1.3 Acceptance of These Terms

By accessing or using the Platform, creating an Account, submitting transaction instructions, or otherwise using the Services, you agree to be bound by these Terms.

If you access or use the Services on behalf of a company, organization, or other legal entity, you confirm that you have authority to act on behalf of that entity and that the entity agrees to be bound by these Terms. You remain responsible for ensuring that any Authorized User accessing the Services through your Account complies with these Terms.

1.4 Additional Terms and Policies

These Terms should be read together with any additional documents that may apply to specific Services.

Certain Services may require additional agreements due to their specific features, regulatory requirements, or operational structure.

For example:

Such documents may include:

(a) the Infini Privacy Policy;

(b) product-specific terms;

(c) risk disclosures;

(d) fee schedules;

(e) transaction confirmations

(f) other policies, notices, or requirements published by Infini.

Where additional terms apply, those terms supplement these Terms and govern the relevant Service to the extent of any inconsistency.

1.5 Nature of Infini Services

Infini provides technology and operational infrastructure designed to facilitate access to digital asset functionality, payment-related services, transaction processing capabilities, and related financial technology solutions. Unless expressly stated otherwise in applicable product terms or agreements, Infini does not provide banking, deposit-taking, custody, trust, fiduciary, investment management, financial advisory, or discretionary asset management services. Your relationship with Infini is limited to the Services made available through the Platform and the applicable terms governing those Services. Infini does not act as a custodian, trustee, investment manager, financial adviser, or fiduciary over your assets or transactions unless expressly agreed otherwise.

1.6 Non-Custodial Digital Asset Services

Certain Digital Asset Services provided through the Platform may be offered on a non-custodial basis. Where such Services are provided on a non-custodial basis, Infini does not control your private keys, take ownership or possession of your Digital Assets, independently initiate transactions on your behalf, or exercise discretionary control over your Digital Asset activities. You remain responsible for your Digital Assets, transaction decisions, wallet credentials, private keys, and security practices. Digital Asset transactions may rely on Blockchain Networks and third-party infrastructure that operate independently from Infini. Transaction execution, confirmation, and availability may therefore depend on external networks and providers.

1.7 No Investment Advice or Recommendation

Infini does not provide investment advice, trading recommendations, financial advice, legal advice, or tax advice through the Platform unless expressly agreed under separate written terms. Information provided through the Platform, including Digital Asset information, transaction information, pricing information, analytics, educational materials, or other content, is provided for informational and operational purposes only.

You are responsible for independently evaluating the risks and consequences of using the Services based on your own circumstances.

1.8 Changes to Services

Where reasonably practicable, Infini may provide notice of material changes affecting the availability or functionality of Services. However, certain changes may take effect immediately where required for legal, regulatory, security, or operational reasons.

1.9 Changes to These Terms

Infini may update, amend, or replace these Terms from time to time where reasonably necessary to reflect changes to the Services, Applicable Laws, regulatory requirements, technology, security measures, compliance requirements, or operational arrangements. The latest version of these Terms will be made available through the Platform. Updated Terms will become effective on the date specified in the updated version or notice provided by Infini. Your continued access to or use of the Services after updated Terms become effective constitutes acceptance of the updated Terms. If you do not agree with updated Terms, you should discontinue use of the affected Services.

2.2 Interpretation

3.1 Infini Platform

Infini operates a technology-enabled digital asset and payment infrastructure platform designed to provide access to digital asset functionality, payment-related services, transaction processing capabilities, and related technology solutions. Through the Platform, users may access technology solutions supporting digital asset activities, payment workflows, financial infrastructure connectivity, and technology-enabled transaction services. The availability of Services may vary depending on factors including your jurisdiction, account type, eligibility status, applicable regulatory requirements, availability of Third-Party Providers, and Infini’s operational and compliance requirements.

Infini provides technology and operational infrastructure that facilitates access to the Services. Unless expressly stated otherwise in applicable product terms or agreements, Infini does not operate as a bank, deposit-taking institution, custodian, trustee, investment manager, financial adviser, or fiduciary in connection with your use of the Services. Certain Services may rely on Third-Party Providers, including banks, payment institutions, card networks, exchanges, liquidity providers, blockchain infrastructure providers, and technology providers. The availability and performance of such Services may depend on the systems, requirements, and decisions of those providers.

3.2 Digital Asset and Wallet Services

Infini may provide Digital Asset functionality and Wallet Services through the Platform, enabling users to interact with supported Digital Assets and Blockchain Networks. Such Services may include wallet functionality, transaction interfaces, Digital Asset transfers, transaction information, and related technology features. Unless expressly stated otherwise in applicable product terms, Wallet Services are provided on a non-custodial basis. Users remain responsible for their Digital Assets, transaction decisions, wallet credentials, and security practices.

Digital Asset transactions may depend on Blockchain Networks and external infrastructure that operate independently from Infini. Transaction execution, confirmation, and availability may therefore be affected by external systems and network conditions. Infini only supports Digital Assets and Blockchain Networks made available through the Platform from time to time and does not guarantee continued availability or compatibility of any specific asset or network.

3.3 Payment, Conversion and Transaction Services

Infini may provide technology and operational services designed to facilitate payment-related activities, transaction processing, Digital Asset conversion, collection, payout, reconciliation, and settlement-related workflows. Such Services may involve different payment methods, Digital Assets, Fiat Currencies, financial institutions, payment providers, liquidity providers, exchanges, or other Third-Party Providers. Payment and conversion services may include transaction processing support, payment routing, conversion functionality, pricing information, settlement coordination, and related operational services. You acknowledge that transaction processing and conversion activities may be affected by factors including market conditions, liquidity availability, third-party requirements, regulatory requirements, and operational considerations. Infini does not guarantee any specific conversion rate, execution price, liquidity availability, transaction completion time, or settlement outcome. Infini does not act as the buyer, seller, payer, payee, merchant, or underlying commercial counterparty in transactions facilitated through the Services unless expressly agreed otherwise. Certain Services, including OTC Services, may only be available to eligible Business Users and may require additional agreements, onboarding procedures, or compliance reviews.

3.4 Card and Enterprise Infrastructure Services

Infini may provide access to card-related functionality and enterprise technology infrastructure through Infini or designated partners. Card-related Services may include corporate card programs, virtual cards, physical cards, payment functionality, transaction monitoring, reporting, and related operational support. Such Services may be subject to separate card program terms, eligibility requirements, transaction limits, compliance requirements, and requirements imposed by card issuers, networks, or other Third-Party Providers. Infini may also provide enterprise infrastructure solutions to Business Users and partners, including API connectivity, technical integrations, transaction management tools, reporting functionality, and payment or Digital Asset infrastructure support. Where Infini provides infrastructure services, the relevant Business User remains responsible for its own products, services, customers, regulatory obligations, and compliance requirements. Access to Infini infrastructure does not constitute sponsorship, transfer, delegation, or sharing of Infini’s regulatory status, licenses, or authorizations.

3.5 Additional Product Terms

Certain products, features, or Services may be subject to additional product-specific terms, agreements, disclosures, or documentation. Additional terms may apply where a Service has specific eligibility requirements, fees, transaction limits, risk disclosures, settlement procedures, or other product-specific conditions. Where additional product terms apply, those terms supplement these Terms and govern the relevant Service to the extent of any inconsistency.

4.1 Eligibility Requirements

To access certain Services, you must satisfy applicable eligibility requirements established by Infini and any additional requirements applicable to specific products or Services.

The availability of Services may vary depending on your jurisdiction, account type, intended use of Services, regulatory requirements, and Infini’s compliance and risk management procedures.

4.2 Individual Users

Certain Services may only be available to eligible users depending on their nature and requirements.

4.3 Business Users

Depending on the Services requested, Infini may require additional information relating to the entity, ownership structure, business activities, transaction purpose, or supporting documentation.

4.4 Authorized Users

Business Users may authorize individuals to access the Services on their behalf.

Infini may rely on instructions or actions submitted through authenticated access channels where Infini reasonably believes such actions have been authorized.

4.5 Restricted Persons and Eligibility Restrictions

Infini may refuse, restrict, or suspend access to Services where required by Applicable Laws, regulatory requirements, or risk management considerations.

4.6 Jurisdictional Availability

Services may not be available in all countries, territories, or regions.

Infini may restrict, limit, suspend, or discontinue access to Services where reasonably necessary due to legal, regulatory, operational, security, or compliance considerations.

4.7 Ongoing Eligibility

Eligibility to access the Services may be reviewed by Infini from time to time.

Failure to provide updated information may result in restricted access, suspension, or termination of Services.

5.1 Non-Custodial Model

Certain Digital Asset Services provided through the Infini Platform may be offered on a non-custodial basis unless expressly stated otherwise in applicable product terms. Where Digital Asset Services are provided on a non-custodial basis, Infini provides technology functionality that enables users to interact with supported Digital Assets and Blockchain Networks. Infini does not act as a custodian and does not take control of users’ Digital Assets.

You remain responsible for your Digital Assets, wallet access information, transaction decisions, and security practices.

5.2 User Responsibilities and Transaction Risks

Where you use Wallet Services or Digital Asset Services, you are responsible for maintaining control over your access methods, including wallet credentials, private keys or recovery information where applicable, authentication methods, and devices used to access the Services. You are responsible for reviewing and confirming transaction details before submitting Digital Asset transactions, including wallet addresses, supported Blockchain Networks, transaction amounts, and other relevant information. Blockchain transactions may become irreversible once submitted or confirmed. Infini may not be able to recover Digital Assets transferred to an incorrect address, unsupported network, or unintended recipient. You acknowledge that security failures, compromised credentials, phishing attacks, malware, incorrect transactions, or user errors may result in permanent loss of Digital Assets.

5.3 Wallet Functionality and Blockchain Networks

Wallet Services are intended to provide technical functionality that enables users to interact with supported Digital Assets and Blockchain Networks. Such functionality may include wallet interfaces, transaction tools, address management, transaction information, and related technical features. Digital Asset transactions may be processed through Blockchain Networks and other Third-Party Providers that operate independently from Infini. You acknowledge that Blockchain Networks may experience congestion, delays, failures, upgrades, forks, security incidents, or other technical events. Infini does not control blockchain protocols, consensus mechanisms, validators, or network operations. Infini does not guarantee the availability, security, compatibility, confirmation timing, or successful completion of transactions conducted through Blockchain Networks.

5.4 No Use or Management of User Digital Assets

Unless expressly agreed otherwise in writing and permitted under Applicable Laws, Infini does not use Digital Assets accessed through Wallet Services for its own purposes. Infini does not lend, invest, stake, deploy, or otherwise manage user Digital Assets, and does not make investment decisions on behalf of users. Any product or program involving rewards, contractual payments, incentives, or other benefits will be governed by separate product-specific terms. Such products or programs may have different legal, economic, or operational characteristics from Wallet Services or Digital Asset functionality.

5.5 No Investment Management or Advisory Services

Infini does not provide investment management, portfolio management, discretionary trading, or investment advisory services through Digital Asset Services. Information provided through the Platform, including Digital Asset information, transaction information, pricing information, analytics, or educational materials, is provided for informational and operational purposes only.

You are responsible for independently evaluating whether any Digital Asset activity or Service is appropriate for your circumstances.

5.6 Third-Party Digital Asset Infrastructure

Certain Digital Asset Services may rely on Third-Party Providers, including Blockchain Networks, exchanges, liquidity providers, wallet technology providers, blockchain analytics providers, and other technology providers. Such providers operate independently from Infini and may have their own terms, requirements, risks, and limitations. Infini does not control or guarantee third-party services, and third-party failures, restrictions, or changes may affect the availability or performance of Digital Asset Services.

5.7 Digital Asset Value and Availability Risks

Certain Digital Assets, including stablecoins, may also be affected by issuer risks, reserve arrangements, redemption limitations, loss of reference value, or other factors affecting their stability. The value, usability, legal status, and transferability of Digital Assets may change due to market conditions, technology developments, regulatory changes, or other external factors.

5.8 Relationship Between Infini and Users

Nothing in these Terms creates a custody, trust, fiduciary, deposit, agency, or investment management relationship between you and Infini. Except as expressly provided in applicable product terms, Infini acts solely as a technology and operational service provider facilitating access to Digital Asset functionality and related Services.

6.1 Compliance Framework

Infini maintains a risk-based compliance framework designed to support compliance with Applicable Laws and regulatory requirements applicable to the Services. The framework addresses risks relating to financial crime prevention, including anti-money laundering ("AML"), counter-terrorist financing ("CTF"), sanctions compliance, fraud prevention, transaction monitoring, and other legal or regulatory obligations. Your access to and use of the Services is subject to Infini’s compliance requirements and risk management procedures. Compliance measures may apply before, during, or after your use of the Services, including during onboarding, transaction processing, ongoing monitoring, and account review.

6.2 Verification Requirements

Depending on the Services you use, your jurisdiction, and applicable requirements, Infini may require you to complete verification procedures, including KYC, KYB, or other due diligence processes.

You agree to provide accurate information and supporting documentation reasonably requested by Infini.

Failure to provide required information may result in delayed processing, restricted access, suspension, or termination of Services.

6.3 AML and CTF Measures

Infini applies risk-based measures designed to prevent the Services from being used for money laundering, terrorist financing, sanctions evasion, fraud, or other unlawful activities. Such measures may include customer due diligence, risk assessment, transaction screening, transaction monitoring, enhanced review, and regulatory reporting or disclosure where applicable. You agree to use the Services only for lawful purposes and to cooperate with compliance reviews conducted by Infini.

6.4 Enhanced Due Diligence

EDD may involve requests for additional information, documentation, clarification, or verification. You agree to cooperate with any EDD process conducted by Infini. Where required information is not provided, Infini may restrict, delay, refuse, or suspend access to relevant Services.

6.5 Sanctions Compliance

Infini maintains controls designed to identify and manage sanctions-related risks.

Infini may conduct sanctions screening and take appropriate actions where sanctions-related concerns are identified, including restricting or refusing access to Services.

6.6 Transaction Monitoring and Blockchain Analytics

Infini may monitor transactions conducted through the Services for compliance, security, fraud prevention, and risk management purposes. Depending on the nature of the Services, such monitoring may include transaction analysis, blockchain analytics, wallet screening, transaction pattern review, and other risk assessment measures where applicable.

Infini does not guarantee that all unlawful, fraudulent, or suspicious activity will be identified or prevented.

6.7 Compliance Actions

Infini is not required to disclose confidential compliance information, including internal risk assessments, monitoring methodologies, investigation processes, or regulatory communications where disclosure is prohibited.

6.8 Regulatory Reporting and Disclosure

You acknowledge that Infini may be required to provide information relating to your Account, transactions, Digital Assets, payment activities, or business activities to competent authorities, regulators, financial institutions, or Third-Party Providers where required or permitted by Applicable Laws. Where legally required, Infini may submit reports relating to suspicious activity, financial crime concerns, sanctions matters, or other regulatory obligations. Infini may be prohibited from notifying you of certain reviews, actions, or disclosures.

6.9 Compliance Review Does Not Constitute Approval

You remain responsible for ensuring that your use of the Services complies with applicable legal and regulatory obligations.

7.1 General Restrictions

Infini is committed to maintaining a secure, compliant, and reliable platform.

Infini may restrict, suspend, reject, or terminate access to Services where it reasonably determines that prohibited or restricted activities may be involved.

7.2 Prohibited Use

Transactions conducted through the Services must have a legitimate purpose and be consistent with information provided to Infini.

7.3 Restricted Industries and Activities

Infini may restrict or prohibit access to Services involving activities or industries that present elevated legal, regulatory, financial crime, operational, or reputational risks.

7.4 Digital Asset Restrictions

Infini may conduct blockchain monitoring, wallet screening, and transaction analysis to manage related risks.

7.5 Payment and Card Service Restrictions

Where Payment Services or Card Services are provided, you must use such Services only for permitted purposes and in accordance with applicable requirements.

7.6 Restricted Persons and Jurisdictions

Services may not be available to all persons, entities, jurisdictions, or regions.

You are responsible for determining whether your use of the Services is permitted in your jurisdiction.

7.7 Risk-Based Restrictions

Such measures may include:

Infini may apply risk-based controls based on factors including:

(a) jurisdiction;

(b) customer profile;

(c) transaction activity;

(d) business activities;

(e) compliance risk;

(f) sanctions exposure;

(g) Third-Party Provider requirements

(h) regulatory expectations.

7.8 Changes to Restricted Activities and Jurisdictions

Where reasonably practicable, Infini may provide notice of material changes. However, changes may take effect immediately where required for legal, regulatory, security, or risk management purposes.

8.1 Transaction Services

The Services may enable you to submit, authorize, process, receive, or monitor transactions through the Platform. Transactions may include Digital Asset transfers, payment transactions, collection and payout activities, conversion transactions, card transactions, and other transaction types supported by Infini.

Infini provides technology and operational infrastructure designed to facilitate transaction processing and related workflows. Infini does not guarantee that any transaction will be accepted, completed, settled, or processed within any particular timeframe.

8.2 Transaction Instructions

This includes information relating to transaction amounts, payment details, wallet addresses, Blockchain Networks, beneficiary information, settlement instructions, and other transaction parameters. Infini may rely on instructions submitted through authenticated access channels where Infini reasonably believes such instructions are valid and authorized.

8.3 User Responsibility for Transactions

You are responsible for reviewing and confirming transaction information before submitting any instruction.

You remain responsible for your transaction decisions and instructions.

8.4 Transaction Review and Compliance Controls

Such measures may include requesting additional information, delaying processing, restricting transactions, rejecting instructions, applying transaction limits, or requiring additional verification. Infini is not required to process transactions that do not satisfy applicable legal, compliance, operational, or risk requirements.

8.5 Digital Asset Transactions

Where transactions involve Digital Assets, you acknowledge that such transactions may be processed through Blockchain Networks and related infrastructure. Blockchain Networks operate independently from Infini. Transaction processing may depend on network conditions, protocol rules, validators, infrastructure providers, and other external factors.

Blockchain transactions may experience delays, congestion, failures, upgrades, forks, or other technical events. Infini does not control Blockchain Networks and does not guarantee transaction confirmation times, network availability, or successful execution of blockchain transactions.

8.6 Payment Transactions and Settlement

Payment Services may involve payment processing, collection, disbursement, transfer support, reconciliation, and settlement-related activities. Payment transactions may involve banks, payment institutions, payment networks, Digital Asset infrastructure providers, and other Third-Party Providers.

Infini does not verify, guarantee, or assume responsibility for the underlying commercial relationship, goods, services, or obligations between you and any third party involved in a payment transaction.

8.7 Digital Asset Conversion Transactions

You acknowledge that:

Where you use Digital Asset Conversion Services, you acknowledge that conversion transactions may be affected by:

(a) market conditions;

(b) liquidity availability;

(c) pricing sources;

(d) Third-Party Provider availability;

(e) applicable fees and spreads

(f) regulatory or operational requirements.

Infini does not guarantee any specific conversion rate, execution price, liquidity level, or completion timeframe. Certain OTC Services may require separate agreements, transaction confirmations, quotations, or other documentation specifying applicable transaction terms.

8.8 Transaction Finality

Certain transactions may become final and irreversible once submitted, processed, executed, settled, or confirmed.

Infini may not be able to:

This may include:

(a) Blockchain transactions after network confirmation;

(b) payments processed through external payment systems;

(c) card transactions processed through payment networks

(d) other transactions where reversal is not technically or operationally available.

8.9 Failed, Delayed, or Rejected Transactions

Where appropriate, Infini may:

Transactions may fail, be delayed, rejected, or remain incomplete due to factors including:

(a) incorrect instructions;

(b) insufficient funds or Digital Assets;

(c) compliance reviews;

(d) sanctions concerns;

(e) banking restrictions;

(f) Third-Party Provider requirements;

(g) Blockchain Network conditions;

(h) technical failures;

(i) liquidity limitations; or

(j) events outside Infini’s reasonable control.

8.10 Transaction Records

Infini may maintain records relating to transactions, including transaction details, instructions, settlement information, compliance reviews, and operational records.

Electronic records maintained by Infini may serve as evidence of transaction activity unless there is a manifest error.

9.1 Third-Party Infrastructure

To provide and support certain Services, Infini may rely on, integrate with, or connect to Third-Party Providers and external infrastructure. Third-Party Providers may provide technology, connectivity, processing capabilities, liquidity, settlement support, payment infrastructure, compliance support, or other operational services necessary for certain features of the Platform. Such providers may include financial institutions, payment providers, card issuers, card networks, exchanges, liquidity providers, Blockchain Networks, technology providers, compliance providers, and other service providers. The availability and functionality of certain Services may depend on the systems, requirements, availability, and decisions of such Third-Party Providers.

9.2 Independent Third-Party Relationships

Third-Party Providers operate independently from Infini and may have their own systems, policies, requirements, terms, restrictions, and regulatory obligations.

Infini does not act as an agent, trustee, fiduciary, or representative of Third-Party Providers.

9.3 Financial, Payment and Blockchain Infrastructure

Certain Services may rely on external financial and technology infrastructure, including banks, payment networks, card issuers, card networks, payment providers, liquidity providers, exchanges, and Blockchain Networks.

Infini does not control external infrastructure and does not guarantee the availability, performance, security, or continued compatibility of Third-Party Services.

9.4 Third-Party Terms and Service Availability

9.5 User Responsibility Regarding Third-Party Services

You acknowledge that Third-Party Services involve risks outside Infini’s direct control.

Infini will use reasonable efforts to manage third-party relationships and maintain service continuity but does not guarantee third-party performance or uninterrupted availability.

10.1 Fees Applicable to Services

Certain Services provided through the Infini Platform may be subject to fees, charges, spreads, pricing adjustments, or other amounts payable by you. Applicable fees may vary depending on the nature of the Service and may include service fees, transaction fees, conversion charges, spreads, pricing adjustments, card-related fees, network costs, Third-Party Provider charges, or other amounts disclosed in connection with the relevant Service.

10.2 Fee Disclosure

Where applicable, Infini will provide information regarding fees through appropriate channels, including the Platform, transaction interfaces, fee schedules, product-specific terms, or other communications. You are responsible for reviewing applicable fees before using a Service or submitting a transaction. By continuing to use the relevant Service after applicable fees have been disclosed, you agree to pay the applicable fees.

10.3 Digital Asset Conversion Pricing

Quoted prices or rates may only remain valid for a limited period and may change before execution. Infini does not guarantee any specific conversion rate, pricing outcome, liquidity level, execution condition, or completion timeframe. Certain OTC Services may be subject to separate commercial terms, quotations, transaction confirmations, or agreements.

10.4 Third-Party Fees and Network Costs

Certain Services may involve costs imposed by Third-Party Providers, including Blockchain Network fees, payment network fees, bank charges, card-related charges, exchange or liquidity provider charges, settlement costs, and other external costs.

10.5 Fee Collection and Payment

You authorize Infini to collect amounts properly payable in connection with the Services where such fees have been disclosed or agreed.

10.6 Changes to Fees

Where reasonably practicable, Infini may provide notice of material fee changes.

However, changes may take effect immediately where required due to regulatory, security, operational, or Third-Party Provider requirements.

10.7 Taxes and Tax Responsibilities

You are solely responsible for determining and fulfilling any tax obligations arising from your use of the Services. Such obligations may relate to Digital Asset transactions, payment activities, conversion transactions, rewards or benefits, business activities, or other transactions conducted through the Platform. Infini does not provide tax advice and does not determine your tax obligations or tax treatment. You should obtain independent professional advice regarding applicable tax obligations where appropriate.

10.8 Tax Information and Withholding

You agree to provide information reasonably requested by Infini for applicable tax compliance purposes.

10.9 Unpaid Fees

10.10 Payment Currency and Methods

Fees may be payable in Fiat Currency, Digital Assets, settlement assets specified by Infini, or other payment methods made available through the Platform or agreed for specific Services. The applicable payment method, currency, settlement process, and any applicable exchange rates may vary depending on the relevant Service.

11.1 General Risk Acknowledgement

The use of Digital Assets, blockchain technology, payment services, and related technology solutions involves various risks, including market, technological, operational, legal, regulatory, and security risks. Before using the Services, you should consider whether the Services are appropriate for your circumstances, knowledge, experience, and ability to understand and manage associated risks. The risks described in this Section are not exhaustive and may not cover all risks arising from your use of the Services. You are responsible for understanding and accepting the risks associated with your use of the Services. Infini does not provide investment, financial, legal, tax, or other professional advice unless expressly agreed under separate terms.

11.2 Digital Asset and Blockchain Risks

Certain Digital Assets, including stablecoins, may be affected by additional risks, including:

Digital Assets may involve risks that differ from traditional financial assets and payment instruments. The value, availability, and usability of Digital Assets may be affected by factors including:

(a) market volatility;

(b) liquidity changes;

(c) technological developments;

(d) regulatory changes;

(e) issuer-related events;

(f) market acceptance;

(g) changes affecting specific Digital Asset structures

(h) other factors outside Infini’s control.

You acknowledge that Digital Assets may increase or decrease in value and may become unavailable, difficult to transfer, or difficult to use. Digital Asset Services may rely on Blockchain Networks that operate independently from Infini. Blockchain Networks may experience congestion, delays, failures, upgrades, forks, security events, smart contract vulnerabilities where applicable, or other technical issues. Infini does not control blockchain protocols, consensus mechanisms, validators, or network operations, and does not guarantee the availability, security, compatibility, or continued operation of any Blockchain Network.

11.3 Transaction and Payment Risks

Payment Services may involve banks, payment providers, card issuers, payment networks, settlement systems, and other financial infrastructure. Payment processing may be affected by:

Transactions conducted through the Services may involve risks relating to processing, settlement, transaction finality, and external infrastructure. You acknowledge that:

(a) Blockchain transactions may become irreversible after confirmation;

(b) payment transactions may become irreversible after processing through external systems;

(c) incorrect transaction information may result in loss;

(d) Infini may not be able to cancel, reverse, or recover completed transactions

(e) transaction outcomes may depend on external systems and Third-Party Providers.

Infini does not guarantee specific settlement times, payment availability, transaction acceptance, or completion of any transaction.

11.4 Digital Asset Conversion and Liquidity Risks

You acknowledge that:

Digital Asset Conversion Services may be affected by:

(a) market volatility;

(b) liquidity availability;

(c) pricing changes;

(d) conversion spreads;

(e) Third-Party Provider availability;

(f) counterparty or execution provider availability;

(g) market disruption events

(h) regulatory restrictions.

Infini does not guarantee any specific conversion rate, execution price, liquidity level, counterparty availability, or completion timeframe.

11.5 Third-Party and Operational Risks

Although Infini implements reasonable security and operational measures, no technology system can be guaranteed to be completely secure, uninterrupted, or error-free. You are responsible for maintaining appropriate security practices, including protecting Account credentials, devices, and access information.

11.6 Regulatory and Compliance Risks

The legal and regulatory treatment of Digital Assets, blockchain technology, payment services, and related activities continues to develop and may vary between jurisdictions.

To comply with Applicable Laws or manage risks, Infini may request additional information, conduct reviews, delay transactions, restrict Services, suspend Accounts, or take other compliance actions.

11.7 Independent Assessment

By using the Services, you acknowledge that you have considered the risks associated with the Services and accept responsibility for your own decisions.

12.1 Privacy Policy

Infini values the privacy and security of users’ personal information. Infini collects, uses, processes, stores, and protects personal information and other data in accordance with applicable data protection laws and the Infini Privacy Policy. The Privacy Policy explains how Infini collects, uses, shares, protects, and retains personal information, as well as your rights and choices regarding your personal information. Your use of the Services is subject to these Terms and the Privacy Policy.

12.2 Information We May Process

Such information may be processed for purposes including providing the Services, maintaining Account security, processing transactions, complying with legal obligations, preventing fraud, and managing operational and compliance risks.

12.3 Use of Personal Information

12.4 Sharing of Information

Infini may share personal information where reasonably necessary for operational, compliance, security, or legal purposes. Information may be shared with parties including Affiliates, financial institutions, payment providers, card issuers, card networks, Blockchain Network providers, technology providers, compliance providers, professional advisers, and competent authorities where required or permitted by Applicable Laws. Infini does not sell personal information to third parties.

12.5 Cross-Border Processing and Data Security

Because Infini operates through global technology infrastructure, operations, and service providers, personal information may be processed or transferred across different jurisdictions. Where required by Applicable Laws, Infini will implement appropriate safeguards for cross-border data transfers. Infini implements reasonable technical, organizational, and operational measures designed to protect personal information against unauthorized access, disclosure, loss, misuse, or security incidents. However, no electronic system or technology infrastructure can be guaranteed to be completely secure.

12.6 Data Retention

Retention periods may vary depending on applicable laws, regulatory requirements, the nature of the information, and the Services provided.

12.7 Blockchain and Transaction Data

Certain Digital Asset transactions may be recorded on public or distributed Blockchain Networks. Such records may include information such as wallet addresses, transaction hashes, transaction amounts, timestamps, and other blockchain-related information. Blockchain records may be publicly accessible and may not be controlled, modified, or deleted by Infini depending on the characteristics of the relevant Blockchain Network. Infini does not control the operation, visibility, permanence, or availability of blockchain records.

12.8 Automated Tools and AI-Assisted Processing

Where applicable, Infini may use automated tools, analytics systems, artificial intelligence technologies, or similar functionality to support service improvement, fraud prevention, security monitoring, operational efficiency, document processing, and user experience enhancement. Automated outputs may have limitations or errors. You remain responsible for reviewing important information before relying on such outputs or taking action.

12.9 Relationship Between These Terms and Privacy Policy

These Terms govern your use of the Services. The Privacy Policy governs Infini’s processing of personal information. If there is any conflict between these Terms and the Privacy Policy specifically relating to personal information processing, the Privacy Policy shall prevail. The Privacy Policy forms part of the information provided to you in connection with the Services and should be read together with these Terms.

13.1 Ownership of Infini Property

Infini and its licensors own all rights, title, and interests in and to the intellectual property relating to the Platform and the Services. Such intellectual property and proprietary materials include the technology, software, infrastructure, interfaces, APIs, integrations, documentation, designs, trademarks, branding, operational processes, confidential know-how, trade secrets, and other materials developed, owned, or licensed by Infini (collectively, the "Infini Property"). Except as expressly provided in these Terms, your use of the Services does not transfer any ownership rights or intellectual property interests in the Infini Property to you.

13.2 Limited License to Use the Services

Subject to your compliance with these Terms, Infini grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Services solely for their intended purposes.

The license granted under this Section automatically terminates upon the suspension or termination of your right to access or use the Services.

13.3 User Data and Materials

For clarity, nothing in these Terms transfers ownership of your personal information, transaction information, business information, Digital Assets, or customer relationships to Infini. The processing of personal information remains subject to the Privacy Policy.

13.4 Feedback and Aggregated Data

Such information will not reasonably identify you or any individual except where permitted by Applicable Laws.

13.5 Third-Party Intellectual Property

Certain components of the Services may incorporate or rely upon intellectual property owned by third parties, including Blockchain Network technologies, open-source software, payment infrastructure, compliance technology, cloud services, and other licensed technologies. Such third-party intellectual property remains the property of the relevant third-party owners and may be subject to separate licenses, terms, or restrictions. Your use of such third-party technologies may also be subject to the applicable third-party license terms. Nothing in these Terms grants you any ownership rights in third-party intellectual property.

13.6 Open Source Components

Certain components of the Services may include software distributed under applicable open-source licenses. Nothing in these Terms is intended to limit, restrict, or override any rights granted to you under the applicable open-source licenses.

13.7 Reservation of Rights

All rights not expressly granted under these Terms are reserved by Infini, its Affiliates, and licensors.

except for the limited rights expressly granted under these Terms.

All rights not expressly granted under these Terms are reserved by Infini.

14.1 General Disclaimer

To the maximum extent permitted by Applicable Laws, the Services are provided on an "as available" and "as is" basis.

Except as expressly provided in these Terms or required by Applicable Laws, Infini disclaims all representations and warranties regarding the availability, accuracy, completeness, reliability, or suitability of the Services. You are responsible for determining whether the Services are appropriate for your own circumstances and intended use.

14.2 No Financial, Investment, Legal, or Tax Advice

You remain solely responsible for your own decisions regarding the use of the Services.

14.3 No Banking, Custody, or Advisory Relationship

Unless expressly stated otherwise in applicable product-specific terms, Infini does not provide banking, deposit-taking, custody, trust, fiduciary, investment management, or discretionary asset management services. Nothing in these Terms creates any banking, deposit, custody, trust, fiduciary, agency, investment advisory, or similar relationship between you and Infini. Where Digital Asset Services are provided, such Services operate on a non-custodial basis unless expressly stated otherwise. Infini acts solely as a technology and operational service provider facilitating access to the Services made available through the Platform.

14.4 No Responsibility for Underlying Transactions

Infini provides technology infrastructure and operational support designed to facilitate access to the Services.

You remain solely responsible for your transactions, counterparties, commercial relationships, and business decisions.

14.5 Third-Party and External Infrastructure Disclaimer

Your use of Third-Party Services may be subject to separate agreements or terms imposed by the relevant provider.

14.6 Information, Technology, and Automated Tools

Information made available through the Platform may originate from Infini systems, Third-Party Providers, Blockchain Networks, market data providers, or other external sources. Although Infini uses reasonable efforts to provide reliable information, Infini does not warrant that such information is complete, accurate, current, uninterrupted, error-free, or suitable for any particular purpose. Certain Platform features may use automated tools, algorithms, analytics systems, artificial intelligence technologies, or similar functionality to support the Services. Any outputs generated through such technologies are provided for convenience only and may contain limitations or errors. You remain responsible for independently reviewing and verifying relevant information before relying on it or taking any action.

14.7 Regulatory Status Disclaimer

You are responsible for determining whether your access to and use of the Services complies with Applicable Laws in your jurisdiction.

14.8 Exclusion of Implied Warranties

Nothing in these Terms excludes or limits any rights or protections that cannot legally be excluded or limited under Applicable Laws.

15.1 General Limitation of Liability

Nothing in these Terms excludes or limits liability arising from Infini's fraud, fraudulent misrepresentation, willful misconduct, gross negligence, or any liability that cannot legally be excluded or limited under Applicable Laws.

15.2 Exclusion of Certain Losses

To the maximum extent permitted by Applicable Laws, Infini shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages or losses.

This limitation applies regardless of the legal basis of the claim and whether Infini has been advised of the possibility of such losses.

15.3 Transaction and Third-Party Limitations

You remain responsible for reviewing and confirming transaction information before submitting any instruction.

15.4 Compliance and Service Restriction Actions

To the maximum extent permitted by Applicable Laws, Infini shall not be liable for losses arising from compliance, legal, regulatory, sanctions, fraud prevention, security, or risk management actions taken in good faith.

15.5 Service Availability Limitations

15.6 Aggregate Liability Cap

This limitation applies regardless of the legal theory, cause of action, or basis upon which the claim is brought.

15.7 Exceptions to Liability Limitations

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by Applicable Laws.

15.8 User Indemnification

15.9 Mitigation and Survival

You agree to take reasonable steps to mitigate losses arising from your use of the Services, including maintaining appropriate security measures, reviewing transaction information, and promptly notifying Infini of any suspected security incident or unauthorized access. The limitations, exclusions, indemnification obligations, and other protections contained in this Section survive the suspension, termination, or expiration of these Terms.

16.1 Suspension and Restriction Rights

Such measures may include restricting features, limiting transactions, delaying processing, requesting additional information, requiring verification, or suspending access to certain Services. Where reasonably practicable, Infini will seek to apply restrictions proportionate to the circumstances.

16.2 Compliance and Security Measures

You acknowledge that Infini may not be permitted to disclose certain information relating to internal reviews, risk assessments, suspicious activity investigations, sanctions matters, or regulatory communications where disclosure is prohibited. Infini may also require additional authentication or security measures before restoring access where security concerns exist.

16.3 Termination by Infini

16.4 Termination by User

Account closure may remain subject to compliance requirements, pending transactions, legal retention obligations, outstanding obligations, or dispute resolution procedures.

16.5 Effect of Suspension or Termination

16.6 Pending Transactions and Remaining Balances

Any transfer or access to remaining balances or assets may be subject to:

Following suspension or termination, Infini may take reasonable steps in relation to pending transactions and remaining balances, including:

(a) completing transactions where appropriate;

(b) delaying processing pending completion of reviews;

(c) rejecting pending transactions;

(d) facilitating transfer or access to remaining balances or assets where applicable;

(e) completing required compliance reviews;

(f) applying outstanding fees or obligations; or

(g) taking actions required by Applicable Laws or operational requirements.

Infini may retain information and records where required by Applicable Laws or legitimate compliance obligations.

16.7 No Liability for Good Faith Actions and Survival

17.1 Updates to These Terms

17.2 Notice and Effective Date

Where reasonably practicable, Infini will seek to provide notice of material changes to these Terms through appropriate communication channels, including the Platform, email, mobile application notifications, or other reasonable methods. Unless otherwise stated, updated Terms will become effective on the effective date specified in the updated version or accompanying notice. The method and timing of any notice may vary depending on the nature of the relevant changes and Applicable Laws.

17.3 Regulatory and Urgent Changes

Infini may implement such changes immediately or with shorter notice where reasonably necessary.

17.4 Product-Specific Terms

Certain Services, products, or programs may be subject to additional product-specific terms, agreements, disclosures, or documentation.

Such product-specific terms supplement these Terms and apply only to the relevant Service.

17.5 Continued Use and Changes to Services

Where reasonably practicable, Infini may provide notice of material changes affecting the availability or functionality of the Services.

18.1 Governing Law

These Terms and any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with Infini shall be governed by the laws applicable to the Infini entity providing the relevant Service, except to the extent otherwise required by Applicable Laws. The relevant Infini entity, governing law, and dispute resolution mechanism may be identified in applicable product terms, service agreements, transaction documentation, or other disclosures. Where no specific governing law is identified and no mandatory local law applies, these Terms shall be governed by the laws of Singapore.

18.2 Service-Specific Agreements

Where applicable, such agreements or product-specific terms supplement these Terms and govern solely in relation to the relevant Service. In the event of any inconsistency between these Terms and a specific service agreement or product-specific terms, the latter shall prevail solely in relation to the relevant Service.

18.3 Dispute Resolution

The arbitration proceedings shall be confidential, except to the extent disclosure is required by Applicable Laws or is necessary to enforce, challenge, or comply with an arbitral award.

18.4 Mandatory Rights and Court Relief

Nothing in these Terms excludes, restricts, or overrides any rights or protections that cannot legally be excluded under Applicable Laws. Where mandatory consumer protection laws or other mandatory legal protections apply, those rights remain unaffected. Nothing in this Section prevents either party from seeking interim, conservatory, or injunctive relief from a court of competent jurisdiction where permitted by Applicable Laws.

18.5 Survival

19.1 Entire Agreement

These Terms, together with the Privacy Policy, applicable product-specific terms, disclosures, and any other documents expressly incorporated by reference, constitute the entire agreement between you and Infini regarding your access to and use of the Services. These Terms supersede all prior communications, representations, understandings, and agreements relating to the same subject matter, except where a separate written agreement or applicable product-specific terms expressly apply.

19.2 Product-Specific Terms

19.3 Independent Relationship

Your relationship with Infini is limited to the provision and use of the Services described in these Terms. Nothing in these Terms creates a partnership, joint venture, agency, employment, fiduciary, trustee, or representative relationship between you and Infini. Neither party has authority to bind the other except as expressly agreed in writing.

19.4 No Waiver

Failure or delay by Infini to exercise or enforce any right or provision under these Terms does not constitute a waiver of that right or provision. Any waiver must be in writing and applies only to the specific circumstances for which it is granted.

19.5 Severability

19.6 Assignment

19.7 Force Majeure

To the maximum extent permitted by Applicable Laws, Infini shall not be liable for any delay, interruption, or failure to perform its obligations where such delay, interruption, or failure results from events beyond its reasonable control.

Where reasonably practicable, Infini will use reasonable efforts to restore affected Services.

19.8 Electronic Communications

You agree that Infini may communicate with you electronically through the Platform, email, mobile application notifications, Account messages, digital records, or other electronic means made available by Infini. Where permitted by Applicable Laws, electronic communications satisfy any legal requirement that communications be in writing. Your electronic acceptance of these Terms, including by accessing or using the Services, constitutes a legally binding agreement between you and Infini.

19.9 Notices

Where Infini is required to provide notices under these Terms, such notices may be provided through the Platform, email, mobile application notifications, Account messages, or any other reasonable communication channel. You are responsible for maintaining accurate and up-to-date contact information associated with your Account.

19.10 Language

These Terms may be made available in multiple languages. Unless otherwise required by Applicable Laws, the English version shall prevail in the event of any inconsistency between different language versions. Translations are provided for convenience only and may not fully reflect the legal meaning of the English version.

19.11 Interpretation

Headings are included for convenience only and do not affect the interpretation of these Terms.

shall be interpreted as meaning "including without limitation."

19.12 No Third-Party Beneficiary Rights

Unless expressly stated otherwise, these Terms do not confer any rights, benefits, or remedies upon any person other than you and Infini.

19.13 Changes to Service Providers and Corporate Structure

Such changes do not affect the validity or enforceability of these Terms.

19.14 Survival

19.15 Contact Information

If you have any questions regarding these Terms, the Services, or the Privacy Policy, you may contact Infini through the contact details or support channels made available on the Platform.