Terms of Service

Thank you for using Stableyard. Please read this document carefully before using or accessing any Stableyard products or services, as it contains important information about your rights and responsibilities.

These Terms of Service (the "Terms") are entered into between you, on behalf of yourself (collectively, "you"), and Stableyard, Inc. ("we," "our," "us," or "Stableyard"), and govern your access to and use of our products and services, including the Stableyard platform, APIs, SDKs, widget, and website at stableyard.fi (the "Services"). These Terms apply to each electronic form or contract executed by you, unless expressly stipulated otherwise in separate documentation between you and Stableyard. These Terms are an enforceable contract. You should not use the Services if you do not accept the Terms.

By accessing, viewing, or using the content, material, products, or services available on or through the Services, you certify that you have read, understand, and agree to be legally bound, both on your behalf and on behalf of any company you represent, by these Terms as well as Stableyard’s Privacy Policy, which is incorporated into these Terms by reference. You further certify that you have reached the age of majority in the jurisdiction where you reside, or that you have the permission of a legal guardian to use the Services. If you do not agree to these Terms, you are not granted permission to use the Services and must discontinue use immediately.

If you have any questions concerning these Terms or wish to exercise your rights as described below, please contact us via email at [email protected].

1. Creating Your Account

In order to access certain features of the Services, you may be asked to create an account. As part of the registration process, you may be required to provide certain information, including your legal name, date of birth, physical address, and email address. You must be 18 years of age or older to register for an account and use the Services. You represent that the personal information you provide is true, valid, complete, and up to date. Any personal information you provide is subject to our Privacy Policy.

Account Rights and Responsibilities

You are responsible for ensuring the security of your account and any credentials associated with it. You are solely responsible for all activities that occur under your account. Stableyard will not be held responsible for any misuse of your account, including in the event that a third party gains unauthorized access. If you discover any breach of security, you agree to promptly notify us.

By using the Services, you represent that such use is legal in your jurisdiction and agree that you will not use the Services where prohibited by applicable law. Stableyard has the right to disable any account at any time for any reason, including violation of these Terms.

Risks Associated with Digital Currencies

As used in these Terms, "digital currencies" refers to intangible assets used as a medium of exchange that are created and stored in digital format on a blockchain, distributed ledger, or similar technology, including stablecoins, cryptocurrencies, and digital tokens. You acknowledge the following risks:

• Fraudulent transactions may result in the loss of funds with no recourse
• Digital currencies may be subject to increased risk of fraud or cyber attack, and transfers are irrevocable
• The price and liquidity of digital currencies may fluctuate significantly
• Stableyard is not an FDIC-insured financial institution and does not hold customer funds; digital currencies are not FDIC-insured products and may lose value
• Digital currencies are not legal tender and are not backed by any government
• Legislative and regulatory changes may adversely affect the use, transfer, and value of digital currencies

Identity Verification

You authorize us, directly or through third parties, to make any inquiries we consider necessary to verify your identity. We reserve the right to close, suspend, or limit access to your account or the Services if we are unable to verify your identity.

2. Using Your Account

Processing Payments

Payments processed via the Services are facilitated between you and authorized merchants or counterparties. When you initiate a payment, your authorization remains valid until the transaction is fulfilled.

Refunds

All refunds and returns are handled at the merchant’s discretion. Due to digital currency volatility, refunds may be provided in a form other than the original payment currency, using prevailing market exchange rates at the time of the refund.

Payment Disputes

Stableyard does not offer purchase protection. Due to the irreversible nature of digital currency transactions, we do not provide customer assistance in the event of a merchant dispute. Please review these Terms carefully, including the Limitation of Liability section, before using the Services.

Fees and Limits

Fee schedules and transaction limits are published separately and may be updated from time to time. Stableyard reserves the right to delay, hold, or return transactions to prevent money laundering, fraud, or terrorist financing.

Account Security

Stableyard uses established authentication, authorization, and encryption protocols. To report suspicious activity, please email [email protected].

Error Resolution

All customer problems, disputes, or complaints should be directed to [email protected].

3. Closing Your Account

You may close your account and terminate your relationship with us without cost, but you remain liable for all obligations related to your account. Incomplete transactions must be completed or canceled. You may not close your account:

• To evade an investigation
• If you have a pending transaction, open dispute, or claim
• If you owe amounts to us or a merchant
• If your account is subject to a hold, limitation, or reserve

4. Monitoring and Enforcement

Stableyard regularly monitors for suspicious activity and reserves the right to take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Services. We have the right to cooperate with law enforcement authorities or court orders requesting disclosure of user information. You waive and hold harmless Stableyard and its affiliates from any claims resulting from such investigations.

5. Termination

Stableyard has the right to terminate or suspend your access to all or part of the Services for any or no reason, including any violation or suspected violation of these Terms.

6. Intellectual Property

Stableyard owns all patent, copyright, trademark, trade secret, and other intellectual property rights in the Services, including all graphics, text, icons, data, content, and materials we provide (collectively, "Stableyard Content"). All Stableyard Content is protected under applicable intellectual property laws.

You shall not remove or alter any copyright or proprietary notice provided via the Services. All trademarks, logos, and service marks displayed via the Services are proprietary to Stableyard or its licensors. Unauthorized use is prohibited.

If you submit content via the Services ("Your Content"), you represent that you have the legal right to provide it and that it does not infringe any third-party rights, violate any law, or contain harmful material. Upon submission, you grant Stableyard a worldwide, perpetual, irrevocable, transferable license to use, distribute, reproduce, display, modify, and sublicense Your Content.

No right, title, or interest in the Services or Stableyard Content is transferred to you. All rights not expressly granted are reserved.

7. Restrictions on Use

You agree to use the Services only for purposes permitted by these Terms and in compliance with all applicable laws. You agree not to:

• Use the Services in any way that violates applicable law or regulation
• Impersonate Stableyard, an employee, another user, or any other person or entity
• Engage in conduct that restricts or inhibits anyone’s use of the Services or may harm Stableyard or its users
• Use bots, crawlers, scrapers, or automated means to access the Services
• Reproduce, duplicate, copy, sell, or resell any aspect of the Services
• Introduce viruses, Trojan horses, worms, or other malicious code
• Attempt to gain unauthorized access to, damage, or disrupt any part of the Services or connected systems
• Attack the Services via denial-of-service or other disruptive methods

8. Disclaimers and Warranties

YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "WITH ALL FAULTS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

NEITHER STABLEYARD NOR ANY PERSON ASSOCIATED WITH STABLEYARD MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICES. WE DO NOT WARRANT THAT THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Any reliance you place on information provided via the Services is at your own risk. We disclaim all liability arising from any reliance placed on such materials by you or any other party.

9. Limitation of Liability

IN NO EVENT WILL STABLEYARD BE LIABLE FOR DAMAGES OTHER THAN ACTUAL AND DIRECT DAMAGES. IN NO EVENT SHALL STABLEYARD’S LIABILITY EXCEED THE AMOUNT YOU PAID FOR THE SERVICE THAT IS THE SUBJECT OF THE CLAIM. IF ANY PART OF THIS LIMITATION IS FOUND INVALID OR UNENFORCEABLE, THEN THE TOTAL LIABILITY OF STABLEYARD AND ITS LICENSORS SHALL NOT EXCEED TEN US DOLLARS ($10).

Without limiting the foregoing, Stableyard shall not be liable for any indirect, incidental, consequential, punitive, or exemplary losses, including loss of profit, goodwill, business reputation, or data, arising from your use of or inability to use the Services.

IF YOU ARE DISSATISFIED WITH THE SERVICES OR THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICES.

10. Indemnity

You agree to defend, indemnify, and hold harmless Stableyard, its parents, subsidiaries, officers, directors, shareholders, members, employees, agents, affiliates, licensors, and suppliers from all claims, damages, obligations, losses, liabilities, costs, or expenses (including attorneys’ fees) arising from: (i) your use of the Services; (ii) your violation of these Terms; (iii) your violation of any third-party rights; and (iv) use of the Services by any person using your account. This obligation survives termination of these Terms.

11. Arbitration

You and Stableyard agree that any disputes arising from or relating to these Terms or your use of the Services that cannot be resolved informally shall be submitted to final and binding arbitration before one arbitrator (or three, if liability exceeds $250,000 USD). Arbitration shall be conducted by the American Arbitration Association under its Commercial Arbitration Rules and shall take place in New York, New York.

TO THE EXTENT ALLOWED BY LAW, YOU AGREE TO WAIVE ANY RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS IN ANY LAWSUIT OR ARBITRATION FILED AGAINST STABLEYARD.

Notwithstanding the foregoing, each party retains the right to seek injunctive or equitable relief in a court of competent jurisdiction to prevent infringement of intellectual property rights.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law provisions. Subject to the arbitration requirements herein, any legal action shall be instituted exclusively in the US District Court for the Southern District of New York or any state court in New York County, New York.

13. Modifications to These Terms

We may revise these Terms from time to time. When changes are made, we will update the "Effective Date" at the top of this page. Your continued use of the Services constitutes acceptance of the updated Terms. It is your responsibility to review these Terms periodically for changes.

14. General Provisions

Electronic Communications

By accepting these Terms or using the Services, you consent to receiving electronic communications from Stableyard.

Assignment

These Terms are binding upon you and your successors. You may not assign these Terms without our prior written consent.

Entire Agreement

These Terms, including the Privacy Policy, constitute the entire agreement between you and Stableyard regarding the Services and supersede all prior agreements or understandings.

Miscellaneous

Failure by Stableyard to enforce any right or provision of these Terms shall not be deemed a waiver of such right. If any provision is found invalid by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

You acknowledge that Stableyard does not act as your agent or trustee, does not enter into a partnership or employment relationship with you, and does not guarantee the identity of any user. We reserve the right to modify or discontinue the Services at any time without notice.

15. Contact Us

If you have any questions about these Terms, please contact us:

Stableyard, Inc.
Email: [email protected]