Last updated · 2026-04-17

General Terms & Conditions

for the Use of the CryptoUnity Platform

These Terms of Service govern the use of services provided by CU d.o.o. (CryptoUnity), a company incorporated under the laws of the Republic of Slovenia, with its registered office at Kotnikova 5, 1000 Ljubljana, Slovenia.

These Terms of Service govern your access to and use of the CryptoUnity platform, including all related services, features, content, and functionality (the “Platform”).

Please read these Terms carefully before using the Platform, as they constitute a legally binding agreement between you and CryptoUnity.

Last updated: 1.7.2026

Version: 1.4

1. Introduction And Acceptance

These Terms of Service (the “Terms”) govern your access to and use of the CryptoUnity platform, including the CryptoUnity website, mobile application, and all related services, features, content, and functionality (collectively, the “Platform”).

These Terms constitute a legally binding agreement between you (“User” or “you”) and CU d.o.o., a company incorporated under the laws of the Republic of Slovenia, with its registered office at Kotnikova 5, 1000 Ljubljana, Slovenia (“CryptoUnity”, “we”, “us”, or “our”).

By accessing or using the Platform, creating an account, or clicking to accept these Terms, you acknowledge and agree that you have read, understood, and agree to be bound by these Terms, that you are entering into a legally binding relationship with CryptoUnity, and that you comply with all applicable laws and regulations.

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

These Terms apply to all users of the Platform, including visitors, registered users, and any person accessing or interacting with the Platform in any manner.

These Terms incorporate by reference the Privacy Policy, the Cookie Policy, and any additional policies, disclosures, or documents referenced herein or otherwise made available on the Platform, each of which forms an integral part of these Terms.

CryptoUnity may modify, update, or replace these Terms. CryptoUnity will notify you of any material changes in advance, by email or through the Platform, giving you reasonable prior notice before the changes take effect. If you do not agree to a material change, you may reject it by terminating these Terms and closing your account before the change takes effect, in which case the change will not apply to you. Changes that are required by law or that do not affect your rights or obligations may take effect as permitted by applicable law. Your continued use of the Platform after a change has taken effect, following such notice, constitutes your acceptance of that change.

2. Nature Of The Platform

CryptoUnity operates a technology platform that enables users to access crypto-asset services provided by third-party regulated service providers.

CryptoUnity does not provide regulated crypto-asset services and does not act as a custodian of crypto-assets, broker, dealer, exchange, execution venue, order matching system, or financial institution.

CryptoUnity does not hold or control user crypto-assets or fiat funds, does not execute transactions on behalf of users, does not determine execution prices or liquidity sources, and does not act as a counterparty to any transaction.

The Platform provides users with a technological interface through which they may access third-party services, view account and portfolio information, access educational and informational content, and receive customer support.

All decisions to enter into transactions are made solely by the user.

CryptoUnity does not provide investment, financial, legal, or tax advice.

CryptoUnity does not alter, manipulate, or interfere with user instructions or communications between users and third-party providers.

CryptoUnity is solely responsible for the operation, maintenance, and functionality of the Platform.

3. Third-Party Services (Bitgo)

CryptoUnity acts solely as a technology platform and introducer enabling users to access services provided by third-party providers, including BitGo.

The regulated crypto-asset services accessible through the Platform are provided by BitGo Europe GmbH (“BitGo”), with its registered office at Mainzer Landstraße 10, 60325 Frankfurt am Main, Germany, and not by CryptoUnity. BitGo is authorised by the German Federal Financial Supervisory Authority (Bundesanstalt für Finanzdienstleistungsaufsicht, “BaFin”) as a crypto-asset service provider (CASP) under Regulation (EU) 2023/1114 on Markets in Crypto-Assets (“MiCAR”). CryptoUnity is not authorised as a crypto-asset service provider and does not provide any regulated crypto-asset service.

Such services may include, without limitation, the custody and administration of crypto-assets, the exchange of crypto-assets for fiat or other crypto-assets, the execution of orders, the reception and transmission of orders, and transfer services.

By accessing or using such services, you enter into a direct contractual relationship with BitGo, which is governed by the BitGo Custody Service Agreement (CSA), the BitGo Electronic Trading Agreement, and the BitGo Master Purchase Agreement (MPA). CryptoUnity is not a party to these agreements.

CryptoUnity does not control or operate BitGo services, does not guarantee their availability, execution, or outcomes, does not hold or have access to your crypto-assets, and does not act as your agent, broker, fiduciary, or representative.

All transactions are executed by BitGo, which is solely responsible for the custody of assets, the execution of transactions, and compliance with applicable regulatory requirements.

CryptoUnity provides access to BitGo services solely as a technology interface.

Third-party providers, including BitGo, may rely on subcontractors or affiliates in the provision of their services.

Crypto-assets held in custody by BitGo remain the property of the user at all times and are not owned by CryptoUnity. Such assets may be held in omnibus wallets, with internal records maintained on a per-user basis.

CryptoUnity does not have access to, or control over, private keys or custody infrastructure and does not hold user assets at any time.

CryptoUnity does not act as an agent, intermediary, or representative of BitGo in relation to custody or any other regulated services.

Third-party providers perform their services using reasonable care and skill in accordance with applicable law.

3.1 Regulatory Status

CryptoUnity is not a licensed crypto-asset service provider and does not provide regulated crypto-asset services.

The regulated crypto-asset services accessible through the Platform are provided by BitGo Europe GmbH (“BitGo”), a crypto-asset service provider (CASP) authorised by BaFin under Regulation (EU) 2023/1114 on Markets in Crypto-Assets (“MiCAR”). BitGo is authorised to provide, among other services, the custody and administration of crypto-assets on behalf of clients (Article 3(1)(16)(a) MiCAR) and the exchange of crypto-assets for funds and for other crypto-assets (Article 3(1)(16)(c) and (d) MiCAR).

BitGo is authorized to provide crypto-asset services across the European Union and the European Economic Area, subject to applicable passporting rights and regulatory requirements.

Such services may include, without limitation, the custody and administration of crypto-assets on behalf of clients, the exchange of crypto-assets for funds, the exchange of crypto-assets for other crypto-assets, the execution of orders for crypto-assets on behalf of clients, the reception and transmission of orders for crypto-assets on behalf of clients, and transfer services for crypto-assets on behalf of clients.

CryptoUnity provides access to such services solely as a technology platform and does not itself perform any regulated crypto-asset services.

BitGo services may be made available across multiple jurisdictions within the European Union and the European Economic Area, subject to applicable regulatory permissions, restrictions, and local legal requirements.

The availability of services may vary depending on your country of residence and applicable laws and regulations.

BitGo’s authorisation as a crypto-asset service provider can be verified in the public register maintained by BaFin (authorisation reference: [BaFin authorisation reference to be inserted]). Further information on BitGo’s regulatory status, policies, and conflicts of interest is available at https://www.bitgo.de/entities/bitgoeuropegmbh/.

BitGo does not use, lend, pledge, rehypothecate, or otherwise utilize user crypto-assets without the user’s explicit prior consent, in accordance with applicable law.

3.2 No Financial Or Investment Services

CryptoUnity is not a bank, an electronic money institution, a payment institution, or a financial institution.

CryptoUnity does not provide investment services, investment advice, portfolio management, or any form of financial, legal, or tax advice.

Any information, content, or materials made available on the Platform are provided solely for informational and educational purposes and do not constitute investment advice, a recommendation, or an offer to buy, sell, or hold any crypto-asset or financial instrument.

You are solely responsible for evaluating whether any transaction or activity is appropriate for you based on your personal circumstances, financial situation, investment objectives, experience, and risk tolerance.

3.3 Fiat And Payment Services

CryptoUnity does not process, receive, hold, or control fiat funds on behalf of users.

Any fiat-related transactions are carried out exclusively by third-party providers, including BitGo, regulated payment institutions, and electronic money institutions.

CryptoUnity does not act as a payment service provider and does not operate or control any fiat payment processing, banking infrastructure, or payment accounts.

4. User Account, Registration And Verification

Access to crypto-asset services is conditional upon your acceptance of the applicable BitGo Customer Agreements. Without such acceptance, you will not be able to use such services. Before you can use the regulated crypto-asset services, you will be guided through BitGo’s onboarding, during which you open a crypto-asset account directly with BitGo Europe GmbH and enter into a direct contractual relationship with BitGo. You conclude the BitGo Customer Agreements (the Crypto Custody Service Agreement and the Electronic Trading Agreement) directly with BitGo, by electronic acceptance (for example, click-through or tick-box). BitGo provides the required pre-contractual information and confirms the conclusion and content of these agreements to you on a durable medium (downloadable PDF and email). CryptoUnity is not a party to these agreements, does not conclude them on behalf of BitGo, and does not provide the regulated services to which they relate.

4.1 Account Registration

In order to use the Platform, you must create an account and provide accurate, complete, and up-to-date information.

By creating an account, you represent and warrant that you are at least 18 years old, that you are acting on your own behalf and not on behalf of any third party, and that you are legally permitted to access and use the Platform in accordance with applicable laws.

You may create and maintain only one account.

CryptoUnity reserves the right, at its sole discretion, to refuse registration or to suspend or terminate any account.

4.2 Account Security

You are solely responsible for maintaining the confidentiality and security of your login credentials, authentication methods, and devices, for all activities conducted through your account, and for ensuring that your account information remains accurate and up to date.

You must notify CryptoUnity without undue delay of any unauthorized access, suspected unauthorized use, or security breach affecting your account.

You acknowledge and agree that you are responsible for all instructions, actions, and requests submitted through your account credentials, authentication methods, or authenticated devices, unless otherwise required by applicable law.

If your credentials, device, or authentication method are lost, stolen, compromised, or used without authorization, you must notify CryptoUnity immediately. You remain responsible for all actions taken prior to such notification and the implementation of appropriate protective measures.

Certain actions and transactions may require authentication through security procedures defined by third-party providers, including BitGo. Instructions submitted through authenticated channels may be treated as valid, binding, and authorized.

4.3 Two-Factor Authentication (2FA)

You may be required to enable two-factor authentication (2FA) in order to access certain features of the Platform or to perform specific transactions.

Failure to maintain or comply with required security measures, including 2FA where applicable, may result in restricted access to the Platform.

4.4 Identity Verification (KYC)

Access to crypto-asset services is subject to the successful completion of identity verification procedures.

KYC and compliance procedures may be performed by CryptoUnity, BitGo, or other authorized third-party providers.

You agree to provide accurate, complete, and up-to-date information, to submit all required identification documents, and to cooperate fully with any verification or due diligence requests.

CryptoUnity and/or BitGo reserve the right, at any time, to request additional information or documentation, to reject or delay verification, and to restrict access to services until verification has been successfully completed.

Failure to complete identity verification may result in limited, suspended, or no access to certain or all services.

CryptoUnity may record and retain evidence of your acceptance of applicable agreements, including timestamps and related data, for compliance, audit, and regulatory purposes.

You hereby authorize CryptoUnity, its service providers, and relevant third parties to access your account and to perform technical, compliance, and operational actions on your behalf, including actions necessary to facilitate services, complete verification procedures, and comply with applicable legal and regulatory requirements.

4.5 Monitoring and Compliance

Your account and activity may be monitored for purposes including anti-money laundering (AML) compliance, fraud prevention, and compliance with applicable regulatory requirements.

You agree to cooperate fully with any compliance-related requests, including requests relating to source of funds verification, transaction explanations, and additional identity or verification checks.

Failure to cooperate with such requests may result in the suspension or restriction of access to your account and, where required, reporting to competent authorities in accordance with applicable law.

4.6 Account Suspension and Termination

CryptoUnity may, at its sole discretion, suspend, restrict, or terminate your account at any time, including where you violate these Terms, provide false or misleading information, engage in suspicious or unlawful activity, where such action is required by applicable law or regulatory obligations, or where necessary to protect the Platform, CryptoUnity, or its users.

CryptoUnity may limit access to the Platform or to certain features without prior notice where required for compliance, security, or operational reasons.

Access to trading or related services may also be restricted or suspended by third-party providers for legal, compliance, security, or operational reasons, and CryptoUnity shall not be responsible for such restrictions.

4.7 Account Closure by User

You may request to close your account at any time.

Account closure may be subject to the completion of any pending processes and compliance with applicable legal and regulatory requirements.

As CryptoUnity does not hold or control crypto-assets or fiat funds, you remain solely responsible for managing and withdrawing your assets through BitGo or other applicable third-party providers prior to account closure.

4.8 Data Retention After Closure

CryptoUnity may retain your personal data and account-related information following account closure to the extent required by applicable laws, including anti-money laundering (AML) and other regulatory obligations.

4.9 Loss of Legal Capacity or Death

In the event of your death or loss of legal capacity, access to your account may be restricted.

CryptoUnity will handle such cases in accordance with applicable laws and based on valid legal documentation provided by duly authorized persons or competent authorities.

5. Restrictions On Service Availability

The Platform may be accessible worldwide; however, access to certain features and services may be restricted or unavailable depending on your jurisdiction.

You may use the Platform only if you are located in a jurisdiction where access to such services is permitted under applicable law and if you are not subject to any sanctions, restrictions, or prohibitions under applicable laws.

Access to crypto-asset services provided via the Platform, including services provided by BitGo, may be restricted based on your country of residence, nationality, applicable regulatory requirements, and the internal compliance policies of third-party service providers.

CryptoUnity does not guarantee that the Platform or any services will be available in your jurisdiction.

CryptoUnity reserves the right, at its sole discretion, to restrict or deny access to the Platform or to specific features, and to suspend or terminate access where required based on legal, regulatory, or compliance requirements.

You are solely responsible for ensuring that your use of the Platform complies with all laws and regulations applicable in your jurisdiction.

Users must not interfere with, misuse, or attempt to reverse engineer any trading systems, infrastructure, or technical components provided by third-party providers.

6. Payments, Funding And Transactions

Transaction confirmations, receipts, statements, and other account-related information may be provided electronically by BitGo and/or made available through the Platform or by email. CryptoUnity may also provide account statements and transaction summaries in accordance with applicable law. You hereby consent to receiving such information in electronic form.

Agreements, confirmations, and transaction records may be provided on a durable medium, including electronic formats such as PDF or in-app access.

Account statements and records relating to crypto-assets may be prepared and provided by third-party service providers, including BitGo, on a periodic basis, including quarterly statements where applicable.

Transactions cannot be executed if they would result in a negative balance. Credit, lending, or margin trading services are not provided.

All transactions are executed and settled through custodial accounts maintained by BitGo in accordance with applicable settlement procedures and arrangements.

6.1 Fiat Handling

CryptoUnity does not hold, receive, or control fiat funds belonging to users.

All fiat deposits and withdrawals are processed exclusively through infrastructure provided by third-party service providers, including BitGo and/or regulated payment institutions.

You acknowledge and agree that CryptoUnity is not a payment service provider, does not operate bank accounts for user funds, and that all fiat transactions are handled solely by third-party providers.

CryptoUnity shall not be responsible for any delays in payment processing, any fees charged by banks or payment service providers, any rejected or reversed transactions, or any errors, failures, or omissions caused by third-party providers.

6.2 Deposits

Deposits may be made using the methods made available within the Platform.

You acknowledge and agree that deposits must originate from accounts held in your own name, that deposits from third parties may be rejected or returned, and that processing times may vary depending on third-party service providers.

All deposits are subject to applicable compliance and anti-money laundering (AML) checks, as well as verification requirements.

CryptoUnity does not guarantee any deposit processing times.

Prior to executing any transaction, third-party providers may verify that sufficient funds or crypto-assets are available.

6.3 Withdrawals

Withdrawals are processed through third-party providers and may be subject to identity verification, compliance checks, and the applicable rules and procedures of such third-party providers.

CryptoUnity does not control the execution of withdrawals and shall not be responsible for any delays, failures, or disruptions in withdrawal processing.

Withdrawal processing times are determined by the relevant third-party provider, including BitGo, and may be subject to defined processing timeframes, including up to 48 hours following receipt of a valid withdrawal request, excluding weekends and public holidays.

6.4 Transaction Execution

All crypto-asset transactions are executed by BitGo or other third-party service providers.

CryptoUnity does not execute transactions, does not control execution timing, and does not guarantee execution prices.

Prices displayed on the Platform may include spreads or fees. Prices presented to users are all-inclusive and may incorporate a spread applied by BitGo. No separate commission may be charged unless explicitly disclosed.

Final execution results may differ from displayed prices due to market conditions, liquidity, and timing.

Displayed prices and valuations are indicative only, may be sourced from third-party data providers, and may not reflect actual execution prices.

BitGo acts on a principal basis and is the direct counterparty to each transaction entered into by the user.

Prices displayed on the Platform do not constitute a binding offer unless explicitly identified as a firm executable price. By submitting a transaction request, you submit a binding offer to enter into a transaction at the displayed price, which remains valid for the short period necessary for technical processing.

BitGo may reject a transaction request for reasons including, without limitation, insufficient liquidity, price movements, risk controls, or applicable legal and regulatory requirements.

BitGo may accept a transaction request in whole or in part, which may result in partial execution.

BitGo is not obligated to provide a more favorable price than the one offered at the time of the transaction request.

Any gains or losses resulting from price movements between submission and execution may accrue to BitGo as part of its execution model.

6.5 Irreversibility of Transactions

Crypto-asset transactions are generally irreversible.

Once a transaction has been initiated:

transactions cannot be canceled, reversed, or modified; and
CryptoUnity does not have the ability to undo, reverse, or otherwise alter such transactions.

You acknowledge and agree that you are solely responsible for carefully verifying all transaction details, including but not limited to recipient addresses, amounts, and network parameters, prior to confirming any transaction.

Once a transaction has been executed by BitGo, it cannot be canceled, reversed, or modified, except where required by applicable law or where BitGo determines, in accordance with its applicable terms, that an erroneous transaction has occurred.

6.6 No Refund Policy

Due to the nature of crypto-asset transactions, all executed transactions are final and refunds are generally not available.

Any potential refunds, reversals, or adjustments are subject to the policies of the relevant third-party providers and applicable laws.

CryptoUnity does not guarantee the availability of any refunds, reversals, or compensation in connection with any transaction.

If a transaction is affected by a technical, system, pricing, quantity, or routing error, BitGo may determine, in accordance with its own terms, that such transaction is erroneous and may declare it void, cancel it, or amend it accordingly.

If you believe that an executed transaction is erroneous, you must notify the relevant third-party provider without undue delay and, where applicable under BitGo’s terms, within the time period specified by BitGo.

CryptoUnity does not determine whether a transaction is erroneous and shall not be responsible for resolving any erroneous transaction claims, but may, at its sole discretion, assist in coordinating communication with BitGo.

6.7 Failed Transactions

If a transaction fails due to technical issues, insufficient balance, or failure of a third-party provider, the outcome of such transaction shall be determined by the relevant third-party provider.

CryptoUnity shall not be responsible for any losses, damages, or delays resulting from failed or delayed transactions.

6.8 Limits and Restrictions

Account limits, transaction limits, and access to certain features of the Platform may be applied based on your verification level, applicable regulatory requirements, internal risk assessments, and the policies of third-party service providers.

CryptoUnity reserves the right, at its sole discretion, to adjust such limits or restrictions at any time.

6.9 Service Availability and Restrictions

The availability of the Platform and related services may be restricted or unavailable in certain jurisdictions due to legal, regulatory, or operational reasons.

You represent and warrant that you are not located in, and are not a resident of, any jurisdiction where the use of the Platform or related services is prohibited or restricted, and that you are accessing the Platform on your own initiative and not as a result of any solicitation.

CryptoUnity reserves the right, at its sole discretion, to restrict or deny access to the Platform in certain jurisdictions and to implement additional controls, limitations, or requirements where necessary to comply with applicable legal and regulatory obligations.

7. Trading And Execution

All crypto-asset transactions available through the Platform are executed exclusively by third-party service providers, including BitGo.

CryptoUnity does not execute trades, does not act as a counterparty to any transaction, and does not operate any exchange, trading venue, or order matching system.

All transactions are executed by BitGo in accordance with the applicable BitGo agreements, including the BitGo Electronic Trading Agreement and the BitGo Master Purchase Agreement (MPA).

You acknowledge and agree that BitGo acts as the sole counterparty to your transactions.

8. Pricing And Execution

Prices displayed on the Platform are provided by third-party service providers and may differ from prices available on other platforms or market data sources.

You acknowledge and agree that prices may include a spread or margin, may not represent the best available market price, and that CryptoUnity does not determine, control, or guarantee pricing, nor does it guarantee execution at any specific price or within any specific timeframe.

Final transaction outcomes depend on market conditions, liquidity availability, execution timing, and the systems and processes of third-party providers.

CryptoUnity shall not be responsible for any price differences between platforms, slippage, or any execution delays, failures, or discrepancies.

You further acknowledge that quoted or displayed prices may change prior to execution and that neither CryptoUnity nor BitGo is obligated to provide any subsequently improved market price, unless otherwise required by applicable law or BitGo’s terms.

CryptoUnity will disclose applicable fees and charges payable by users in connection with services accessible through the Platform. Such fees may be displayed within the Platform or otherwise communicated to you prior to the execution of a transaction.

9. Fees

CryptoUnity may charge service fees in connection with the use of the Platform.

Applicable fees will be disclosed within the Platform interface, prior to transaction confirmation, or on the CryptoUnity website, as applicable.

Fees may include, without limitation, transaction fees, conversion fees, and payment processing fees.

You acknowledge and agree that fees are charged upon transaction execution, may vary depending on transaction parameters, and are non-refundable unless otherwise required by applicable law.

You expressly authorize CryptoUnity to deduct any applicable fees from your account or from the relevant transaction amounts.

CryptoUnity will disclose any applicable fees and charges payable by users in connection with services accessible through the Platform. CryptoUnity charges its own fees for providing and operating the Platform, which may take the form of a service fee and/or a margin that is reflected in the total price you pay. These fees are disclosed to you within the Platform, including within the total (all-in) price shown before you confirm a transaction, so that you can see the applicable fee and/or spread before deciding whether to proceed.

9.1 Spread and Third-Party Pricing

The price of each crypto-asset is determined by BitGo, which acts as principal counterparty to the transaction and whose price may include BitGo’s own spread. CryptoUnity does not set, determine, or control the crypto-asset execution price set by BitGo. The total price shown to you in the Platform is an all-in price that may also include a separate fee or margin charged by CryptoUnity for providing and operating the Platform. The applicable CryptoUnity fee or margin, together with any BitGo spread, is disclosed to you within the Platform before you confirm a transaction.

Such spread does not constitute a separate fee, is embedded in the quoted price, and may vary depending on market conditions.

You acknowledge and agree that buy and sell prices may differ at any given time, that pricing may change rapidly, and that CryptoUnity does not guarantee price stability.

9.2 Fee Changes

CryptoUnity reserves the right, at its sole discretion, to modify its fee structure at any time.

Any updated fees will be disclosed prior to transaction confirmation and will apply only to future transactions.

Any fees charged by CryptoUnity are separate from the pricing methodology applied by BitGo. Prices provided by BitGo may be all-inclusive and may incorporate a spread in accordance with BitGo’s own terms.

10. Platform Features And Content

CryptoUnity may provide various features within the Platform designed to enhance user experience, education, and engagement.

Such features may include, without limitation, portfolio tracking and analytics, transaction history and reporting, educational content (including workshops, courses, and news), notifications and alerts, guided user flows such as the “Next Steps” system, and referral and reward-based programs.

These features are provided solely for informational and user experience purposes and do not constitute financial, investment, legal, or tax advice.

CryptoUnity reserves the right, at its sole discretion, to modify, suspend, or discontinue any feature at any time without prior notice.

10.1 Next Steps System

CryptoUnity may provide a guided “Next Steps” system designed to assist users in navigating the Platform, learning about crypto-assets, and completing certain actions.

The Next Steps system is provided solely for educational and engagement purposes, does not constitute investment advice or a recommendation, and does not impose any obligation on users to complete any step.

Completion of steps may unlock certain features, benefits, or incentives; however, such benefits may be subject to separate terms where applicable, and completion of steps does not guarantee any financial outcome.

CryptoUnity reserves the right, at its sole discretion, to modify, add, or remove any steps or elements of the Next Steps system at any time.

10.2 Educational Content

The Platform may include educational content provided by CryptoUnity or third parties, including, without limitation, workshops and courses, articles and news, tutorials and guides, and content created by third-party contributors or creators.

All educational content is provided solely for informational purposes, does not constitute financial or investment advice, and may not be complete, accurate, or up to date.

CryptoUnity does not guarantee the accuracy, reliability, or completeness of such content.

10.3 No Financial Advice

CryptoUnity does not provide investment advice, portfolio management services, or personalized recommendations.

In particular, CryptoUnity does not recommend buying, selling, or holding any crypto-assets, does not provide personalized investment strategies, and any content or information available on the Platform should not be relied upon as a basis for making investment decisions.

You are solely responsible for your investment decisions and should seek independent professional advice where appropriate.

10.4 Third-Party and Creator Content

The Platform may include content provided by third-party creators, partners, or users.

CryptoUnity does not endorse such content, does not guarantee its accuracy or reliability, and does not verify all statements, representations, or claims made by third parties.

Any reliance on such content is at your own risk.

11. Referral and Reward Programs

CryptoUnity may offer referral programs, loyalty tiers, or other incentive-based features (collectively, the “Programs”).

Participation in such Programs is subject to additional terms and conditions, applicable eligibility criteria, and compliance with applicable laws and regulations.

CryptoUnity reserves the right, at its sole discretion, to modify, suspend, or terminate any Program at any time, to adjust reward structures, eligibility requirements, or benefits, and to withhold or revoke rewards in cases of suspected abuse, fraud, or violation of these Terms.

Rewards may be subject to verification procedures, usage limitations, and expiration conditions.

Nothing in these Programs constitutes a guaranteed benefit, right, or entitlement.

12. User Obligations

By using the Platform, you agree to comply with all applicable laws and regulations and to use the Platform solely for lawful purposes.

You are responsible for providing accurate, complete, and up-to-date information, maintaining the confidentiality and security of your account credentials, and ensuring that all activities conducted through your account are authorized.

You must not use the Platform for any illegal, fraudulent, or abusive activity, attempt to circumvent any security, verification, or compliance processes, use automated systems (including bots or scripts) without authorization, manipulate or exploit referral, reward, or promotional systems, or interfere with, disrupt, or attempt to compromise the operation or integrity of the Platform.

CryptoUnity reserves the right to monitor the use of the Platform to ensure compliance with these Terms and applicable laws.

12.1 Compliance and Verification

You agree to cooperate fully with all verification and compliance procedures.

CryptoUnity may, at any time and at its sole discretion, request additional information or documentation, require identity verification or enhanced due diligence measures, and restrict access to certain features until such verification has been successfully completed.

Failure to comply with such requirements may result in restrictions, suspension, or termination of your account.

12.2 AML / CTF Compliance

CryptoUnity is committed to compliance with applicable anti-money laundering (AML) and counter-terrorist financing (CTF) laws and regulations.

You acknowledge and agree that transactions may be monitored and analyzed, that suspicious activity may be reported to competent authorities, and that certain transactions may be delayed, rejected, or blocked.

CryptoUnity reserves the right to take any action it deems necessary, at its sole discretion, to comply with applicable AML/CTF laws and regulatory obligations.

13. Suspension and Termination

CryptoUnity may, at its sole discretion and where permitted by applicable law, suspend, restrict, or terminate your access to the Platform at any time, with or without prior notice.

Such action may occur where you violate these Terms, provide false or misleading information, or where your account is associated with suspicious, fraudulent, or unlawful activity, or where such action is required by applicable laws, regulations, or third-party obligations.

CryptoUnity may also freeze or restrict certain transactions, limit access to specific features, or prevent withdrawals where required by applicable law, regulatory requirements, or compliance obligations.

BitGo may independently suspend or restrict access to its services in accordance with its own terms, policies, and procedures.

CryptoUnity shall not be responsible or liable for any actions taken by BitGo or other third-party service providers in connection with such restrictions or suspensions.

13.1 Account Closure by User

You may request to close your account at any time.

Account closure may be subject to the completion of any pending transactions and compliance with applicable legal and regulatory obligations.

As CryptoUnity does not hold or control your assets, you remain solely responsible for withdrawing or transferring your assets via BitGo or other applicable third-party providers prior to account closure.

CryptoUnity shall not be responsible or liable for any losses resulting from your failure to complete such actions.

13.2 Account Closure by CryptoUnity

CryptoUnity may terminate your account in accordance with these Terms.

Where required by applicable law, you may be provided with a reasonable opportunity to withdraw your assets via BitGo or other applicable third-party providers prior to account closure.

14. Customer Support and Complaints

CryptoUnity provides customer support in relation to the Platform.

Such support may include assistance with account access, general guidance on the use of the Platform, and coordination with third-party service providers where appropriate.

For issues relating to transaction execution, custody of assets, or verification decisions, you may be redirected to BitGo or required to resolve such matters directly with BitGo or the relevant third-party provider.

CryptoUnity does not control and shall not be responsible or liable for the resolution of complaints relating to services provided by BitGo or other third-party providers.

CryptoUnity acts as the primary point of contact for customer support; however, requests relating to third-party services may be escalated to the relevant provider where necessary.

14.1 Formal Complaints

If you wish to submit a formal complaint in relation to the Platform, you may contact CryptoUnity using the contact details made available within the Platform.

CryptoUnity will acknowledge receipt of your complaint, review the matter within a reasonable timeframe, and respond in accordance with applicable legal and regulatory requirements.

Complaints relating to services provided by BitGo or other third-party providers must be addressed directly to the relevant provider in accordance with their applicable terms.

15. Risk Disclosure

Crypto-assets are highly volatile and involve a significant risk of loss. By using the Platform, you acknowledge and agree that you fully understand and accept the risks associated with crypto-assets and the use of the Platform. Crypto-assets are not covered by any statutory deposit-guarantee scheme or investor-compensation scheme. While fiat funds held with a credit institution may, in certain circumstances, be protected under applicable deposit-guarantee rules, your crypto-assets are not protected by any such scheme, and you may lose the entire value of your crypto-assets.

You should only use the Platform if you can afford to lose your entire investment.

Subject to applicable law, including Regulation (EU) 2023/1114 on Markets in Crypto-Assets (MiCA), BitGo may be liable for losses of crypto-assets resulting from incidents attributable to its custody services, in accordance with its contractual terms and limitations.

CryptoUnity does not hold or control crypto-assets and shall bear no responsibility or liability for any assets held in custody by BitGo or other third-party providers.

15.1 Market Risk

The value of crypto-assets may fluctuate significantly and rapidly.

You acknowledge and agree that prices may rise or fall unpredictably, that you may lose all or part of your invested funds, that past performance is not indicative of future results, and that crypto-assets are not backed by any government or central authority.

Market conditions may be influenced by various factors, including supply and demand dynamics, market sentiment and speculation, regulatory developments, and technological changes.

15.2 Execution and Pricing Risk

All transactions are executed by third-party providers, including BitGo.

You acknowledge and agree that execution prices may differ from quoted or expected prices, that delays, slippage, or failed transactions may occur, and that pricing may include spreads and differ from prices available on other platforms.

CryptoUnity does not control execution or pricing and shall not be responsible for any losses resulting from execution discrepancies, delays, slippage, or failures.

15.3 Third-Party Risk

The Platform relies on third-party service providers, including BitGo and payment providers.

You acknowledge and agree that third parties may suspend, restrict, or terminate services, delay or block transactions, and that assets or transactions may be affected by failures, errors, or disruptions of such third parties.

CryptoUnity does not control and shall not be responsible for the performance, availability, or actions of any third-party providers, including any losses arising from their services.

Trading services depend on third-party trading systems, which may be subject to interruptions, delays, errors, or outages.

15.4 Technology and Security Risk

Crypto-assets rely on blockchain and internet-based technologies that may be subject to failures, vulnerabilities, or attacks.

You acknowledge and agree that risks may include system outages, network failures, cyber-attacks, hacking, unauthorized access, software bugs, protocol changes, and irreversible transactions.

CryptoUnity does not guarantee uninterrupted, secure, or error-free operation of the Platform and shall not be responsible for any losses resulting from technological or security-related issues.

15.5 Regulatory Risk

The regulatory environment for crypto-assets is evolving and may change at any time.

You acknowledge and agree that changes in laws or regulations may affect the availability or use of the Platform, that certain services or assets may become restricted or unavailable, and that regulatory actions may impact pricing, liquidity, accessibility, or the ability to transact.

CryptoUnity shall not be responsible for any losses resulting from regulatory changes, actions, or requirements imposed by competent authorities.

15.6 Liquidity and Delisting Risk

Certain crypto-assets may have limited liquidity.

You acknowledge and agree that CryptoUnity or third-party providers may suspend trading, restrict availability, or delist crypto-assets at any time, with or without prior notice.

Such actions may result in the inability to buy, sell, or transfer assets, delays in execution, or loss of value.

CryptoUnity does not guarantee the availability of any crypto-asset and shall not be liable for any losses resulting from liquidity constraints, suspension, or delisting of assets.

15.7 User Responsibility

You are solely responsible for evaluating whether any transaction is appropriate for you, making your own investment decisions, and conducting your own independent research.

CryptoUnity does not provide investment advice and does not guarantee any outcomes.

15.8 Security and Fraud Risk

You are responsible for maintaining the security and confidentiality of your account, credentials, and any authentication methods.

You acknowledge and agree that unauthorized access may result in loss of assets, that transactions are generally irreversible, and that fraud, phishing, and social engineering attacks are common risks associated with crypto-assets and online platforms.

CryptoUnity shall not be responsible for any losses resulting from unauthorized access to your account, except where required by applicable law.

CryptoUnity will never request your password, private keys, or other sensitive credentials, nor request transfers outside the Platform.

15.9 No Guarantees

CryptoUnity makes no representations or warranties regarding profitability, performance of crypto-assets, availability of the Platform, or successful execution of transactions.

The Platform may experience outages, technical issues, or disruptions that may affect access to services.

CryptoUnity does not guarantee uninterrupted, timely, secure, or error-free operation of the Platform.

15.10 Non-Exhaustive Risks

The risks described in this section are not exhaustive.

Additional risks may exist, and you should seek independent professional advice where appropriate.

15.11 No Investment Advice

CryptoUnity does not provide investment, financial, legal, or tax advice.

All content available through the Platform, including educational materials, market information, notifications, and suggested actions or “next steps,” is provided for informational purposes only and does not constitute a recommendation, solicitation, or endorsement to buy or sell any crypto-asset.

You acknowledge and agree that you are solely responsible for your investment decisions and should seek independent professional advice before making financial decisions.

16. Tax Obligations

You are solely responsible for determining and fulfilling any tax obligations arising from your use of the Platform and any crypto-asset transactions.

CryptoUnity does not provide tax advice and does not calculate, report, withhold, or pay any taxes on your behalf, except where required by applicable law.

You acknowledge and agree that you are responsible for reporting any gains, losses, or transactions to the relevant tax authorities in your jurisdiction and for complying with all applicable tax laws and regulations.

17. Limitation of Liability

To the maximum extent permitted by applicable law, CryptoUnity shall not be liable for any losses arising out of or in connection with your use of, or inability to use, the Platform.

In particular, CryptoUnity shall not be liable for losses arising from or related to:

crypto-asset transactions executed by third-party providers (including BitGo)
pricing, execution, or settlement of transactions
custody, loss, or inaccessibility of crypto-assets held by third parties
delays, interruptions, errors, or failures of third-party services
inaccuracies, delays, or omissions in information displayed on the Platform

CryptoUnity shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of business, loss of opportunity, loss of data, or loss of goodwill, even if advised of the possibility of such damages.

Nothing in these Terms shall exclude or limit liability for:

fraud or fraudulent misrepresentation
gross negligence or willful misconduct
any liability that cannot be excluded or limited under applicable law

To the extent liability cannot be excluded, CryptoUnity’s total aggregate liability shall be limited to the total fees paid by you to CryptoUnity in the twelve (12) months preceding the event giving rise to the claim.

18. Complaint Resolution

CryptoUnity is committed to providing reliable customer support and resolving complaints in a fair, transparent, and timely manner.

18.1 How to Submit a Complaint

You may submit a complaint through the customer support chat available via the Platform, the CryptoUnity Help Centre accessible within your account, or by email at info@cryptounity.org.

For fraud-related issues, you should contact CryptoUnity immediately by email at info@cryptounity.org.

18.2 Acknowledgement and Response Time

Upon receipt of your complaint, CryptoUnity will acknowledge receipt within one (1) to three (3) business days and will provide a final response within thirty-five (35) business days.

If additional information is required, or if the matter is complex, the response timeframe may be extended. In such case, you will be informed of the delay.

18.3 Escalation Process

If you are not satisfied with the response, you may escalate your complaint to CryptoUnity’s Compliance Team by email at info@cryptounity.org.

Upon escalation, CryptoUnity will review the matter independently and provide a final decision within thirty (30) business days of the escalation.

18.4 Third-Party Services

Where your complaint relates to services provided by third-party providers (including BitGo), you may be required to resolve the matter directly with such provider in accordance with their terms.

CryptoUnity may assist in coordinating communication but shall not be responsible for the outcome of such complaints.

Complaints relating to execution errors, erroneous transactions, transaction confirmations, statements, or unauthorized access relating to BitGo services must be raised with BitGo in accordance with BitGo’s applicable terms and timelines.

You acknowledge and agree that communications relating to third-party services may be routed through CryptoUnity, which may forward such communications to the relevant provider and relay responses back to you.

BitGo and other service providers may communicate with you directly where required for operational, legal, or regulatory purposes.

18.5 Alternative Dispute Resolution

If you remain dissatisfied after completing the complaint process, you may seek resolution through alternative dispute resolution (ADR) mechanisms available in your jurisdiction or through competent consumer protection authorities.

Nothing in these Terms shall limit your right to bring a claim before the competent courts.

CryptoUnity encourages users to first attempt to resolve disputes through its internal complaint handling process before pursuing external remedies.

19. Third-Party Services

The Platform relies on third-party providers, including BitGo, for certain services.

CryptoUnity does not control and shall not be responsible for the availability, accuracy, performance, or actions of such third-party providers.

You acknowledge and agree that any claims relating to the execution of transactions, custody of crypto-assets, pricing, or settlement must be directed to the relevant third-party provider in accordance with their applicable terms.

CryptoUnity does not guarantee the availability, accuracy, reliability, or performance of any third-party services.

20. Data Protection and Privacy

Your personal data is processed in accordance with the CryptoUnity Privacy Policy.

You acknowledge and agree that CryptoUnity may share your personal data and account information with BitGo and other service providers as necessary to provide services, perform KYC/AML checks, and comply with applicable legal and regulatory requirements.

Where services are provided by third-party providers (including BitGo), your personal data may also be processed by such providers in accordance with their own privacy policies and regulatory obligations.

CryptoUnity and such third-party providers act as independent data controllers in respect of their respective processing activities.

21. Changes to These Terms

CryptoUnity reserves the right to modify or update these Terms at any time.

Where required by applicable law, users will be notified of material changes in advance.

If you do not agree to a material change, you may reject it by terminating these Terms and closing your account before the change takes effect, in which case the change will not apply to you. Your continued use of the Platform after the effective date of the updated Terms, following such notice, constitutes your acceptance of such changes.

22. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Republic of Slovenia. These Terms govern your relationship with CryptoUnity in respect of the Platform only. Your contractual relationship with BitGo for the regulated crypto-asset services is governed separately by the BitGo Customer Agreements and the governing law specified therein. Nothing in this section deprives you of the protection of any mandatory provisions of the law of your country of habitual residence.

Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in Slovenia, unless otherwise required by applicable consumer protection laws.

23. Intellectual Property

All content, materials, trademarks, logos, and software available on the Platform are the property of CryptoUnity or its licensors and are protected by applicable intellectual property laws.

CryptoUnity grants you a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform for personal, non-commercial purposes, in accordance with these Terms.

You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use any content without prior written consent of CryptoUnity or the relevant rights holder, nor use CryptoUnity trademarks without authorization.

All rights not expressly granted are reserved.

24. Indemnification

You agree to indemnify, defend, and hold harmless CryptoUnity, its affiliates, partners, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Platform, your violation of these Terms, or your breach of any applicable laws or regulations.

25. Force Majeure

CryptoUnity shall not be liable for any failure or delay in performance resulting from events beyond its reasonable control, including but not limited to natural disasters, cyber attacks or system failures, regulatory or governmental actions, and telecommunications or network disruptions.

26. Complaint Handling

Users may submit complaints relating to services accessible through the Platform, including custody services provided by BitGo.

Complaints will be acknowledged without undue delay and handled in accordance with applicable regulatory requirements.

Where applicable, complaints relating to custody services may be forwarded to BitGo.

A response will typically be provided within fifteen (15) business days and, in complex cases, within thirty-five (35) business days.

27. Miscellaneous

These Terms, together with the Privacy Policy, Cookie Policy, and any additional documents referenced herein, constitute the entire agreement between you and CryptoUnity regarding the use of the Platform.

If any provision of these Terms is found to be invalid, illegal, or unenforceable, such provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Failure by CryptoUnity to enforce any right or provision under these Terms shall not constitute a waiver of such right or provision.

CryptoUnity shall not be liable for any failure or delay in performance resulting from circumstances beyond its reasonable control, including but not limited to force majeure events, cyber attacks or system failures, regulatory or governmental actions, telecommunications or network disruptions, or failures or delays of third-party service providers.

CryptoUnity may assign or transfer its rights and obligations under these Terms without restriction. You may not assign or transfer your rights without prior written consent of CryptoUnity.

CryptoUnity reserves the right, at its sole discretion, to modify, suspend, or discontinue any part of the Platform or Services at any time, with or without notice, unless otherwise required by applicable law.

28. Effective Date and Acceptance

These Terms become effective upon your acceptance during the registration process or upon your first use of the Platform, whichever occurs first.

By creating an account, accessing, or using the Platform, you acknowledge and agree that you have read, understood, and are legally bound by these Terms.

These Terms remain in effect until your account is closed and all obligations arising from your use of the Platform have been fulfilled.

CryptoUnity may update these Terms from time to time. Where required by applicable law, you will be notified of material changes. Your continued use of the Platform after such updates constitutes your acceptance of the revised Terms.

Last updated: 1.7.2026