Last Updated: May 14, 2025

These Terms of Use govern your access to and use of the 0xWire crypto peer-to-peer service (the "Service") provided by 0xWire ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms of Use. Please read them carefully.

1. Acceptance of Terms

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use, our Privacy Policy, and any additional guidelines or rules posted on our website. If you do not agree to these terms, you may not access or use the Service.

2. Description of the Service

0xWire is a service that allows users to send crypto tokens to their friends and contacts using either an email address or a Twitter handle. Users may also earn 0xWire points when an invited person joins 0xWire. The Service operates under a license from the Monetary Authority of Singapore (MAS) and complies with all applicable payment service regulations.

3. User Accounts and Eligibility

• You must be at least 18 years old or the age of majority in your jurisdiction, whichever is higher, to use the Service.
• You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
• You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.
• You must comply with all applicable know-your-customer (KYC) and anti-money laundering (AML) requirements as per Singapore regulations.

4. Use of the Service and Compliance

• You agree to use the Service only for lawful purposes and in accordance with these Terms of Use, Singapore law, and all applicable laws and regulations in your jurisdiction.
• You are prohibited from using the Service for any money laundering, terrorist financing, or other illegal activities as defined under the Singapore Payment Services Act and related regulations.
• The Service may not be available in certain jurisdictions. It is your responsibility to ensure that your use of the Service complies with local laws and regulations.
• You agree not to interfere with or disrupt the operation of the Service or attempt to gain unauthorized access to any part of the Service.

5. Data Protection and Privacy

Your personal data is protected under Singapore's Personal Data Protection Act (PDPA). We collect, use, and disclose personal data in accordance with our Privacy Policy and the PDPA. By using the Service, you consent to:

• The collection, use, and disclosure of your personal data as described in our Privacy Policy
• The transfer of your personal data to countries outside Singapore, subject to appropriate safeguards