Acceptance of Terms By accessing or using the services provided by Bitvora Inc. ("Company," "we," "us," or "our"), including our Bitcoin and Lightning API and Bitvora Commerce ("Services"), you ("Client," "you," or "your") agree to comply with and be bound by these Terms of Service ("Terms").
These Terms constitute a binding legal agreement between you and Bitvora Inc. If you do not agree to these Terms, you may not use our Services. Bitvora Inc. reserves the right to modify these Terms at any time, and such modifications will be effective upon posting on our website or by other means of communication. Your continued use of the Services after any such modifications constitutes your acceptance of the revised Terms.

Description of Services Bitvora Inc. provides access to a Bitcoin and Lightning API and a commerce platform (Bitvora Commerce), enabling Clients to facilitate payments and transfers of digital assets. Our Services are designed to offer seamless integration with your existing systems, allowing for efficient and secure transactions.
The Services are provided on an "as-is" and "as-available" basis, and we make no representations or warranties regarding their reliability, uptime, or suitability for your specific needs.

Service Availability While Bitvora Inc. endeavors to ensure that the Services are available 24/7, we do not guarantee uninterrupted or error-free operation. We may, at our discretion, perform scheduled or unscheduled maintenance, updates, or upgrades, which may result in temporary service interruptions. You acknowledge and agree that we are not liable for any damages or losses resulting from such interruptions. Modifications to Services Bitvora Inc. reserves the right to modify, suspend, or discontinue any part of the Services at any time, with or without notice. This may include adding or removing features, functionality, or content. We are not liable to you or any third party for any modifications, suspensions, or discontinuations of the Services.

Legal Compliance Our Services operate under the laws of Canada and are regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). By using our Services, you agree to comply with all applicable Canadian laws, as well as the laws of your local jurisdiction. It is your responsibility to ensure that your use of the Services is legal in your country or region.

Prohibited Activities You agree not to use our Services for any illegal activities, including but not limited to money laundering, illicit trade, terrorist financing, fraud, or any other activities that violate Canadian law or the laws of your local jurisdiction. We reserve the right to investigate and report any suspicious activities to the relevant authorities and to cooperate fully with law enforcement agencies.

Client Responsibilities Clients are responsible for ensuring their use of the Services complies with all applicable laws and regulations. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. Bitvora Inc. is not responsible for any losses or damages resulting from inaccurate information.

Client Responsibilities Clients are responsible for ensuring their use of the Services complies with all applicable laws and regulations. You agree to provide accurate, current, and complete information during registration and to update such information as necessary. Bitvora Inc. is not responsible for any losses or damages resulting from inaccurate information.
We reserve the right to request additional information to verify your identity, business operations, and compliance. This may include government-issued ID, proof of address, and detailed business descriptions. Failure to comply may result in suspension or termination.

No Fiduciary Relationship Bitvora Inc. acts solely as a service provider and does not establish any fiduciary relationship with users. Clients acknowledge that Bitvora does not act as a trustee or custodian and owes no fiduciary duties.

Use of Float or Corporate Settlement Accounts SaaS clients integrating Bitvora’s Services may use float or corporate settlement accounts provided that they:

• ￿ Use only unencumbered funds under their control

• ￿ Maintain segregation of customer funds

• ￿ Provide evidence of such segregation upon request

Merchant Use Clause Merchants using Bitvora Commerce must:

• ￿ Conduct KYC on end-users as legally required

• ￿ Implement fraud prevention controls

• ￿ Maintain clear refund/dispute resolution policies Bitvora is not a third-party mediator and disclaims all liability related to merchant-end user disputes. All Bitcoin transactions are irreversible.

Service Limitations Bitvora Inc. is not a regulated custodian. Any funds deposited are solely to facilitate transactions. Users are considered unsecured creditors and accept all associated risks. Funds must not be stored beyond what is necessary to complete immediate transfers.

Prohibited Use of Third-Party or Customer Funds Users may not use third-party funds unless operating with float or settlement accounts in full compliance with fund segregation obligations.

Transaction Limits Users may not send/receive above contractual or published free-tier limits.

Transaction Finality Transactions are final and cannot be reversed. Bitvora is not liable for losses due to user error.

Pricing and Payment Bitvora may change pricing without prior notice. All fees are non- refundable unless stated otherwise.

Taxes Clients are responsible for all applicable taxes.

Intellectual Property and Licensing The Bitvora Commerce software and related self- hosted tools are licensed under the MIT License. This means you are free to use, copy, modify, merge, publish, and distribute copies of the Software, subject to the following conditions:

• ￿ The original copyright notice and permission notice shall be included in all copies or substantial portions of the Software.

• ￿ The Software is provided "as-is," without warranty of any kind.

While commercial resale or offering the software as a service is not permitted, all intellectual property rights not covered by the MIT License are retained by Bitvora Inc.

API Licensing Clients may modify/extend API functionality for internal use. Reverse engineering, scraping, and unauthorized duplication are prohibited.

Confidentiality Users must protect Bitvora’s confidential information during and after engagement.

Data Protection and Privacy Personal data is processed per our Privacy Policy. Bitvora uses consent, contract, legal obligation, and legitimate interest as legal bases for data processing.

Data Processing Agreement (DPA) Business clients acting as data controllers must execute a DPA. Bitvora acts as a processor when handling their user data.

Warranties and Disclaimers Services are provided "as-is." Bitvora disclaims all warranties.

Limitation of Liability Bitvora is not liable for indirect or consequential damages.

Indemnification Clients indemnify Bitvora against third-party claims.

Termination and Suspension Bitvora may suspend/terminate accounts for suspicious activity or violations. Users may terminate at any time by notice.

Effect of Termination All rights cease at termination. Bitvora may delete data.

Dispute Resolution All disputes must be resolved in Ontario, Canada.

• ￿ A 30-day informal resolution period applies before arbitration.

• ￿ Users waive jurisdiction elsewhere and class actions.

Miscellaneous These Terms, along with the Privacy Policy and incorporated references, are the full agreement.