Terms & Conditions

Last revised: September 8th, 2025

These Terms and Conditions, as may be updated from time to time, (the “Terms and Conditions”) govern the terms upon which REBIND (as defined below) shall supply You (the “User”) with the Services (as defined below).

Please read these Terms and Conditions before You use the Services. These Terms and Conditions tell You who we are, how we will provide the Services to You, how You and we may change or end the contract, what to do if there is a problem and other important information.

These Terms and Conditions are concluded between:

the company REBIND, a French société par actions simplifiée having its registered office located at 14, avenue du Général de Gaulle, 94160 Saint-Mandé, and registered with the Créteil Trade and Company Registry under number 938 404 829 (hereinafter “REBIND”)
and the User, a natural or legal person, acting in the capacity of professional or consumer, who:
1. visits or uses REBIND’s website accessible at the URL https://www.rebind.co/ (hereinafter the “Website”), and/or
2. uses the Services that are offered within the Website/Application (as defined below), such as those defined in the article entitled “Definition” of these Terms and Conditions.

By utilizing the Services, You acknowledge and agree that You have read this document and that You agree to be bound by it.

REBIND and the User are hereafter individually referred to as a “Party” and referred to jointly as the “Parties”.

Background

Please visit the Website and the Application and read all the sections for Yourself. The Website and the Application provide a non-binding description of the Services that will be offered by REBIND, more specifically on the following page: https://www.rebind.co/

Definitions

In addition to the terms defined elsewhere in these Terms and Conditions, capitalized terms will have the meanings indicated below, whether in the singular or plural.

Application – means (i.) REBIND’s mobile application, together with (ii.) TestFlight and (iii.) Play Store testing, that allow you to buy, swap and earn cryptocurrencies.
Blockchain – means a decentralized and distributed digital ledger technology that records transactions across multiple computers in a secure and immutable manner. It operates as a chain of blocks, where each block contains a batch of transactions, and each new block is linked to the previous one using cryptographic hashes.
Cryptocurrencies or Digital Assets – means a digital currency in which transactions are verified and records maintained by a decentralized system using cryptography, rather than a centralized authority.
DeFi – means decentralized finance protocols.
European Union – means the European countries.
Fees – has the meaning ascribed to it in Article 4.
Fiat – means official currency of a country that is issued by a central bank or other monetary authority.
Payment Card – means a debit or prepaid payment card made available to the User through the Application for spending and withdrawals. The Payment Card is issued and operated by a licensed third-party payment service provider, whose terms and conditions the User must accept before use.
REBIND – means REBIND, and “Us”, “We” or “Ours” in these Terms and Conditions.
Services – means the services that may be provided by REBIND, as described in Article “Description of the Services”.
Smart Account – means a EIP-7702-compatible externally owned account (EOA) created on a blockchain that enables Users to manage their cryptocurrencies, and interact with decentralized applications (dApps). Each Smart Account has a public blockchain address, which must be shared in order to receive Digital Assets. Access to the Smart Account is authenticated via Privy’s embedded wallet technology, which encrypts and stores the User’s keys in their device and Privy’s secure infrastructure. Keys are recoverable only by the User through Privy’s recovery mechanisms. REBIND and Privy cannot initiate transactions on behalf of the User without explicit authorization.
Third Party Integrations – means any distributed applications and crypto asset platforms that are integrated or compatible within REBIND Application.
User – means You, and “You”, “Your”, “Yours”.
Website – means the website available at https://www.rebind.co/.

Interpretation

Unless the context of these Terms and Conditions otherwise requires:

words of any gender include all other genders
words using the singular or plural also include the plural or singular respectively
the terms “hereof”, “hereby”, “hereto” and derivatives of similar words refer to this entire document
the word “including” shall mean “including without limitation”

1 Subject

REBIND has developed the Website and the Application through which it presents the Services that it offers.

The Website and the Application are also intended to provide Users with information to discover the activity of REBIND, its news (events, publications, etc.) and tutorials to guide them in their use of the Website. It also proposes features and/or information that enable the Users to contact REBIND.

These Terms and Conditions define the Website and Application access conditions, as well as the conditions of their use and of the online content offered therein, as well as of their features. These Terms and Conditions also govern the delivery of Services to the User in return for the User’s compliance with the obligations and guarantees stipulated in these Terms and Conditions.

It is specified that these Terms and Conditions are the only contractual documents enforceable against REBIND, thereby excluding any other document (prospectus, summary information document, presentation of Services, etc.) that are only for information and non-contractual purposes, and to the exclusion of all other possible conditions of service, sale or purchase of the User that can in no way be enforceable against REBIND.

2 Terms of acceptance and enforceability of the Terms and Conditions

Any User accessing the Website or the Application is required to read these Terms and Conditions, which can be accessed and downloaded via the “Terms & Conditions” section on all pages of the Website and must respect the terms thereof.

The Terms and Conditions and the content of these sections can also be communicated by REBIND by email upon request by the User to support@rebind.co.

These Terms and Conditions are formally accepted by the User when:

accessing the Website
using the Services through the Application
interacting with the REBIND’s Application

REBIND reserves the right to adapt or modify these Terms and Conditions at any time, without notice. Any new version posted online will prevail over any previous version, notably printed or saved in digital or paper format by the User. The User is therefore invited to review and read these Terms and Conditions on a regular basis. The applicable version of the Terms and Conditions is the one accessible online while the User is visiting and using the Website or the Application.

Your continued use of the Website or of the Application after any such changes, with or without having explicitly accepted the new Terms and Conditions, shall constitute Your consent to such changes.

If You do not agree to such changes, You have no right to obtain information, use the Services, or access to the Website or the Application and must immediately cease use of it.

Users declare and acknowledge to remain responsible for verifying regularly these Terms and Conditions in their current and in effect version from time to time, an up-to-date version of which may be retrieved at any time on the Website and the Application.

3 Description of the services

3.1 Nature of the REBIND application

The REBIND Application is a user-facing, non-custodial app consisting of a Smart Account that enables Users to interact directly with decentralized finance (“DeFi”) protocols and certain regulated third-party services.

REBIND does not provide custody, exchange, brokerage, or intermediation services. Users retain full ownership and control of their Digital Assets at all times. All transactions are initiated and authorized solely by the User and executed directly onchain via decentralized, permissionless protocols.

The REBIND Application is only available within the European Union, as determined by regional settings applied through app distribution platforms. Any attempt by a user to access, download, or use the Rebind application outside the European Union or to circumvent such regional restrictions is undertaken at the user’s sole risk and responsibility. REBIND makes no representation or warranty regarding the availability or compliance of the application outside the European Union, and Users remain fully liable for ensuring that their use of the application complies with applicable laws in their jurisdiction.

3.2 Smart Account infrastructure

Upon onboarding, each User creates an individual Smart Account on the blockchain, which is fully controlled by the User.

Access to the Smart Account is authenticated through Privy’s embedded wallet technology. Privy encrypts the User’s cryptographic keys and stores them both locally on the User’s device and within Privy’s secure infrastructure to enable cross-device access and recovery. At all times, transactions must be explicitly authorized by the User via the REBIND interface. Neither REBIND nor Privy may transfer or access the User’s Digital Assets without such authorization.

The Smart Account allows Users to:

receive Digital Assets
execute transactions such as token swaps, bridging, and deposits into DeFi strategies
use meta-transactions facilitated by external relayers
use built-in recovery methods (e.g., email, social recovery, or third-party interface access) where available

Privy acts as a third-party key management provider and is subject to its own terms of service and privacy policy. Users remain solely responsible for reviewing and accepting such terms before using the Services.

REBIND hosts limited backend infrastructure to support and enhance the User interface. However, such infrastructure does not provide custody, execute transactions on behalf of Users, or serve as an intermediary.

REBIND does not hold Users’ authorized signer and has no ability to access or move Users’ Digital Assets.

3.3 Third-party services accessible via REBIND

Fiat access via regulated partners

REBIND provides Users with technical redirection to regulated third-party services, such as Monerium, an electronic money institution licensed by the Central Bank of Iceland, for fiat on/off ramp services involving the EURe stablecoin.

Monerium is solely responsible for issuing and redeeming the EURe stablecoin and performing all required compliance obligations, including know-your-customer (KYC), anti-money laundering (AML), and transaction monitoring processes. REBIND is neither an agent of Monerium nor a party to the contractual relationship between the User and Monerium. REBIND merely facilitates access to Monerium’s infrastructure without engaging in or intermediating payment flows.

Embedded wallet infrastructure via Privy

REBIND integrates Privy, a third-party embedded wallet provider, to enable the creation, encryption, and secure storage of Users’ cryptographic keys. Privy stores encrypted keys both locally on the User’s device and within its secure infrastructure, solely to facilitate User-initiated transactions and recovery flows. Neither REBIND nor Privy may transfer, use, or access a User’s Digital Assets without explicit authorization from the User through the REBIND interface. The User’s relationship with Privy is subject to Privy’s own terms of service and privacy policy, and REBIND is not responsible for Privy’s independent obligations or actions.

Payment Card via Gnosis Pay

Through the Application, Users may access functionality that enables them to request, activate, and manage a Payment Card. The Payment Card is issued by Gnosis Pay — a licensed third-party payment service provider under its own regulatory authorizations.

REBIND’s role with respect to card services is strictly limited to providing a user interface that allows Users to integrate with the card issuer’s infrastructure. REBIND does not issue cards, process payments, or provide regulated payment services.

Before obtaining or using a Payment Card, the User must review and accept the Gnosis Pay’s terms and conditions as well as the cardholder terms, which will be made available within the Application. By activating the Payment Card, the User acknowledges that their contractual relationship regarding the Payment Card is directly with the card issuer, and not with REBIND.

All fees, limits, and conditions relating to the use of the Payment Card are determined by the card issuer and communicated to the User in its legal documentation. REBIND does not control and is not responsible for such fees, limits, or conditions.

3.4 REBIND’s Services

1. Crypto-to-crypto swaps

REBIND provides Users with access to decentralized exchange (DEX) protocols for crypto-to-crypto swaps notably via the Relay protocol, which aggregates decentralized liquidity. Swaps are executed directly by Users via autonomous smart contracts. REBIND does not execute or intermediate any swaps.

2. Cross-chain transfers

REBIND offers cross-chain transfer functionality through decentralized protocols such as Relay notably. Users initiate and authorize all bridging transactions directly from their Smart Accounts, which are executed onchain by autonomous bridging protocols. REBIND does not intervene in the routing or execution of such transactions.

3. Deposits into yield strategies

REBIND enables Users to deposit Digital Assets into decentralized yield-generating protocols (e.g., Morpho, Aave, Fluid). Users select their preferred strategies, specify the amount to be deposited, and sign all transactions locally. Depending on the location of the assets, transactions may involve cross-chain bridging, which is facilitated by permissionless protocols before execution into the selected yield strategy.

REBIND does not select, optimize, or manage strategies for Users, nor does it exercise discretion over User Digital Assets. Users retain full responsibility for their decisions and the risks associated with any protocol interaction.

4. Limited role of REBIND

REBIND functions solely as a technical interface that allows Users to interact directly with blockchain networks and decentralized services. REBIND does not custody Digital Assets, act as a financial intermediary, or exercise any control over the execution or outcome of transactions. Users are solely responsible for all interactions, decisions, and risks related to the use of REBIND and third-party protocols.

3.5 New Services

REBIND will be able to widen its range of Services by releasing new services on the Application. These new services are deemed to be an integral part of the Services as defined in the Article “Definitions” of these Terms and Conditions and will be governed by these Terms and Conditions. Unless otherwise indicated, the new Services may be used by the User as soon as they are effectively available on the Application.

3.6 Evolution of the Services

To the maximum extent permitted by law, REBIND may, at any time and without notice, develop, improve or adapt the Website, the Application and the Services, and more generally the Services offered, in view of an improvement for example of the features offered on the Website and the Application or within the framework of the Services. This may include the roll-out of update(s), new version(s), new services or other services, or the removal of existing Services.

In case of definitive discontinuation of an existing Service, REBIND will take reasonable endeavours to notify the Users of this change with reasonable notice, and to provide them with alternative solutions (e.g. transfers to a third-party service, etc.). In case of definitive discontinuation of all Services, REBIND will proceed with the termination hereof.

Moreover, REBIND may at any time and without notice complete or modify the Website, the Application, their content and the Services available through them, according to the evolution of technologies. As relevant, the User must ensure that her/his computer/phone resources are suitable for the changes of the Website, the Application and the Services.

4 Fees

4.1 Rebind Fees

REBIND reserves the right to charge fees in connection with the initiation of transactions executed via the User’s Smart Account on certain compatible blockchain networks.

Unless otherwise expressly communicated to the User, applicable fees are generally calculated as follows:

0% on transactions involving stablecoins
0.8% of the transaction amount for crypto-to-crypto swaps (excluding stablecoin transactions)
15% of the yield generated on deposited Digital Assets for decentralized yield strategies

For a limited time and solely at the discretion of the Company, certain Users who joined the platform during the Early Access Period may be eligible for reduced fees. Unless otherwise expressly communicated to the User, such reduced fees will apply as follows:

0% on transactions involving stablecoins
0.3% of the transaction amount for crypto-to-crypto swaps (excluding stablecoin transactions)
5% of the yield generated on deposited Digital Assets for decentralized yield strategies

These reduced fees are promotional in nature and may be modified or revoked at any time without prior notice.

All applicable fees are displayed clearly and transparently within the REBIND interface before the User authorizes and executes any transaction, and by confirming a transaction, the User expressly acknowledges and agrees to the applicable fees.

REBIND reserves the right to modify its fee structure at any time, provided that any such changes are disclosed to the User in advance in accordance with applicable law, it being specified that such changes will not apply retroactively to transactions already executed.

All fees shall be payable concurrently with the initiation of the corresponding transaction. REBIND reserves the right to decline the execution of any transaction through the User’s Smart Account in the event that:

the User does not consent to the payment of the applicable fee
the User’s available Digital Assets are insufficient to cover both the transaction amount and the associated fee

4.2 Payment Card Fees

The use of the Payment Card may be subject to fees, limits, and conditions as determined solely by the card issuer. These may include, but are not limited to, card issuance or replacement fees, ATM withdrawal fees, foreign exchange charges, and inactivity fees.

Such fees and conditions are not set or controlled by REBIND. They are communicated to the User directly by the card issuer in its legal documentation here.

By activating and using the Payment Card, the User acknowledges that all applicable fees and limits are governed by the card issuer’s terms and conditions, which the User must review and accept before use. REBIND bears no responsibility or liability for these fees, limits, or conditions.

5 Data protection

Personal data may be processed through the Website and the Application. The User may access REBIND’s “privacy policy” in the Website: https://rebind.co/privacy-policy.

Cookies and other tracers or similar technologies (e.g., Google Analytics) may be installed and/or read in the User’s browser or terminal when visiting the Website and the Application. The User may access REBIND’s “cookie policy” on the Website.

6 Acknowledgement of risk

6.1 User acknowledgments

You represent and warrant that You fully understand and have significant experience of Digital Assets, Blockchain systems and Services, and You fully understand the risks associated with the trading of Digital Assets as well as the mechanics related to the use of such Digital Assets (including with respect to their storage and exchange).

You acknowledge that trading markets are extremely volatile and shift quickly in terms of liquidity, market depth, and trading dynamics.

You represent and warrant that You are not entering into transactions that are above Your financial abilities. Also, Digital Assets are not suitable for people without the relevant knowledge and/or experience. You further represent and guarantee that You are aware of the risks related to Digital Assets, for which You are solely responsible and liable.

The User acknowledges and agrees that there are risks associated with purchasing Digital Assets, owning Digital Assets, and using Digital Assets to benefit from the Services. By using the Services, the User expressly acknowledges and assumes these risks.

The User acknowledges and agrees that she/he understands that she/he may lose some of or all her/his funds using the Services.

The User acknowledges and agrees that she/he has sufficient understanding and knowledge of the technical and business matters (including onchain information such as those provided when using the Website and the Application) to understand the Services and to appreciate the risks and implications of using them.

The User acknowledges and agrees that she/he is aware that Digital Assets operate in a network without intermediaries and do not benefit from legal tender, unlike currencies issued by central banks. Their value is not guaranteed and depends on unregulated markets. There is no guarantee of liquidity with respect to the Digital Assets as well as the existence of a secondary market.

The User must therefore be particularly vigilant when using the Services and must ensure that she/he has all of the skills and knowledge, particularly technical and financial. Notably, REBIND reminds Users that past performance is not indicative of future performance, and that use of Digital Assets presents risks of partial or total capital loss, i.e., loss of the collateral.

The User is in any case invited to consult professionals specialising in financial, legal or tax advice before performing any transaction involving Digital Assets.

6.2 Further legal warnings

No legal guarantee of conformity applies to the Services and to these Terms and Conditions.

6.3 Risk factors

You represent that You have read, understood and agreed to all the risk factors attached as Appendix to these Terms and Conditions.

7 Representation, warranties and covenants

You hereby agree that by using the Services, You warrant and represent the following to be true:

You are of sound mind and have the requisite power and authority to understand and agree to these Terms and Conditions and to carry out and perform the obligations as set out hereunder and that You fully understand English and this English version of these Terms and Conditions.

You are of legal age (i.e., at least 18 years old) and have full legal capacity to enter commitments under these Terms and Conditions.

In addition, You declare and acknowledge that:

i. You are a citizen or a national of, acting on behalf of a company that is domiciled in the European Union and

ii. You are not a citizen or national of, nor acting on behalf of a company that is domiciled in, or majority owned by persons of entities from, nor any country subject to further sanctions and/or AML risks, such as: Afghanistan, Albania, Angola, Azerbaijan, Bosnia and Herzegovina, Bahamas, Barbados, Burma, Botswana, Burkina Faso, Burundi, Cayman Islands, Cambodia, Cameroon, Crimea, Luhansk or Donetsk (Ukraine), Chad, China, Congo, Congo (Democratic Republic), Cuba, Ethiopia, Eritrea, Fiji, Palau, Ghana, Guinea, Guinea-Bissau, Haiti, Iran, Iraq, Jamaica, Jordan, Lao people Democratic Republic, Liberia, Libya, Madagascar, Malia, Mozambique, Nicaragua, Uganda, Korea North, Pakistan, Panama, Puerto Rico, Russia, American Samoa, Senegal, Somalia, South Sudan, Sri Lanka, Sudan, Syria, Tajikistan, Trinidad and Tobago, Turkmenistan, Uganda, Uzbekistan, Vanuatu, Venezuela, Yemen, Zimbabwe.

The funds You provide, including any Digital Assets, have not been derived from or related to any unlawful activity including but not limited to money laundering, terrorist financing and furthermore You agree that You will not use the Website or Services for unlawful purposes, including, but not limited to, sending or storing any unlawful material or for fraudulent purposes. REBIND reserves the right to terminate Your use thereof should You use or attempt to use the Website or Services for unlawful purposes, including, but not limited to, sending or storing any unlawful material or for fraudulent purposes.

You will only use the Website for Your personal and sole use and will not resell it to a third party.

You will not authorise others to use Your Smart Account or User Account in order to use the Services.

You will not assign or otherwise transfer Your Smart Account or User Account access rights to any other person or legal entity; You will not use a Smart Account or User Account that is subject to any rights of a person other than You without appropriate authorisation.

You will not use the Website to cause nuisance, annoyance, or inconvenience.

You will not impair the proper operation of the business of REBIND.

You will not try to harm the business of REBIND in any way whatsoever.

You will keep secure and confidential Your Smart Account’s private key and/or recovery credentials as well as your User Account credentials.

You will not intentionally exploit, or attempt to exploit, any errors, bugs, vulnerabilities, or defects in the coding, smart contracts, or any other aspect of the REBIND Application for personal gain or any advantage other than those expressly provided by the Application's intended functionality. You further agree to promptly report any such issues to REBIND and to refrain from sharing or disseminating knowledge of such issues with any third parties, except as required by law.

8 Limitation of liability

To the maximum extent permitted by law and any regulatory provisions to which We are subject to, You acknowledge and agree that the entire risk arising out of Your use of the Services is entirely Yours and always remains with You, before, during and after such risk may apply.

The User will be liable for the obligations incumbent on her/him under these Terms and Conditions in accordance with the general rules applicable.

REBIND can be held liable for faulty execution or non-execution of its obligations in compliance with these Terms and Conditions only in case of REBIND’s proven fault.

Moreover, REBIND can be held liable only for direct (but not indirect) damages incurred by the User because of a failure of REBIND to meet the obligations incumbent upon it pursuant to these Terms and Conditions. On the other hand, REBIND can in no case bear liability for indirect damages caused to the User. Moreover, REBIND can only, except for gross negligence or wilful misconduct, be held liable against the User for foreseeable damage.

REBIND shall not bear any liability for any failure or delay in the performance of its obligations under these Terms and Conditions if such delay or failure to perform is due to the fault of a third party or any force majeure. For the purpose of these Terms and Conditions, force majeure shall be defined as any act, omissions, cause or circumstance beyond the reasonable control of REBIND, this to include without any limitations: acts of god, war, national emergency, protests or rebellion, civil commotion, riots or strikes and any form of industrial dispute (whether or not involving either party’s workforce), earthquake, flood, drought, epidemic, fire, explosion, act of terrorism, or any other act ordered by any government, council or constituted body.

REBIND cannot be held liable in case of abnormal use, which includes a use not in conformity with these Terms and Conditions, or fraudulent or illicit use of the Website or Services by the User and more generally for any non-compliance with these Terms and Conditions by the User.

The User should always ensure the security of its Smart Account or User Account. For the avoidance of doubt, Users shall not transfer their private key or recovery credentials to REBIND which does not, under any circumstance, provide custody service for the Users’ Smart Account. REBIND will not be liable, under any circumstances, for any loss or damage incurred by the User in respect of any breach of security in respect of his Smart Account.

Clause applicable to professional Users only. This clause applies only to professional Users. As such, our aggregate liability for any circumstance or event arising out of or in connection with these Terms and Conditions will be limited to and will in no event exceed the Fees paid by a User to use the Services offered by REBIND over the last twelve (12) months. The limitations of damages set forth in this clause is a fundamental element of the basis of the bargain between Us and You.

Neither We nor any other party involved in the creation, production, or delivery of the Services will be liable, in any way, for any incidental, special, exemplary, legal (reasonable costs) or consequential losses or damages, this to include but not exclusively, loss of profits, loss of data (excluding personal data, which specific policies are stated in our privacy policy), loss of goodwill, service interruption, computer damage or system failure or the cost of substitute products or services, or for any damages whatsoever of a personal nature, including bodily injury, emotional distress arising out of or in connection with these Services whether or not they are based on warranty, contract, tort, this to include negligence, product liability or any other such thing, whether or not We have been informed of such matters and the possibility of any such damages or alike, this also, even if a limited remedy set forth and contained in these Terms and Conditions has failed or could fail, because of essential purpose.

For the avoidance of doubt, REBIND is not responsible or liable for any matters arising out of or in connection with the issuance, acceptance, processing, or use of the Payment Card. All such matters are governed exclusively by the contractual relationship between the User and the card issuer. The User agrees that any claims, disputes, or complaints relating to the Payment Card must be addressed directly to the card issuer under its applicable terms and conditions.

9 Intellectual property

All intellectual property rights over the Website, the Application, their content (texts, images, illustrations, sounds, videos, data, databases, structure, etc.), and the Services are and will remain the exclusive property of REBIND and/or its licensors.

These Terms and Conditions do not grant the User any right of ownership over the Website, the Application, their content or the Services, but only a limited right to use them under the conditions stipulated herein.

The User is prohibited from reproducing, representing, modifying, translating, adapting, or exploiting any element of the Website, the Application, or the Services without the prior written consent of REBIND, except in cases expressly permitted by law.

Any unauthorized use of any content or element of the Website, the Application or the Services may give rise to civil and/or criminal proceedings.

10 Termination

These Terms and Conditions apply for the entire duration of use of the Website, the Application and/or the Services by the User.

The User may terminate these Terms and Conditions at any time by ceasing all use of the Website, the Application and/or the Services, and, where applicable, uninstalling the Application.

REBIND may suspend or terminate the User’s access to all or part of the Website, the Application and/or the Services at any time, with or without notice, in the event of:

violation of these Terms and Conditions
legal or regulatory requirement
security or technical issue
discontinuation of all or part of the Services

In the event of termination, the rights and obligations of the Parties that, by their nature, are intended to survive such termination shall survive, including without limitation provisions relating to intellectual property, limitation of liability, and applicable law and jurisdiction.

11 Applicable law and jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of France, without regard to its conflict of law provisions.

Any dispute relating to the validity, interpretation, performance or termination of these Terms and Conditions shall be submitted to the exclusive jurisdiction of the competent courts within the jurisdiction of the Paris Court of Appeal, unless otherwise provided by mandatory legal provisions.

12 Miscellaneous

12.1 Entire agreement

These Terms and Conditions constitute the entire agreement between the Parties with respect to their subject matter and supersede any prior agreements, understandings or arrangements, whether oral or written.

12.2 Severability

If any provision of these Terms and Conditions is held to be invalid, illegal or unenforceable, the remaining provisions shall remain in full force and effect.

12.3 No waiver

The failure of either Party to enforce any provision of these Terms and Conditions shall not be construed as a waiver of such provision or of the right to enforce it.

12.4 Assignment

The User may not assign or transfer any of their rights or obligations under these Terms and Conditions without the prior written consent of REBIND.

REBIND may freely assign or transfer its rights and obligations under these Terms and Conditions without the User’s consent, provided that such assignment or transfer does not adversely affect the User’s rights hereunder.

12.5 Force majeure

Neither Party shall be liable for any delay or failure in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation facilities, fuel, energy, labour or materials.

Appendix – Risk factors

The User acknowledges that they have read and understood the following non-exhaustive list of risk factors associated with the use of Digital Assets and the Services:

1. Market risks

The value of Digital Assets is highly volatile and may fluctuate significantly over short periods of time.
Prices can be influenced by various factors including market demand, speculation, regulatory events, technological developments, and broader macroeconomic conditions.

2. Liquidity risks

Certain Digital Assets may have low liquidity, making it difficult to buy or sell them without significant price impact.
Market conditions may change rapidly, resulting in reduced liquidity.

3. Technology risks

The blockchain networks on which Digital Assets operate may experience disruptions, delays, or failures.
Smart contracts may contain bugs, vulnerabilities, or other defects that could lead to loss of funds or unexpected behaviour.
Interactions with decentralized protocols carry the inherent risk that such protocols may operate differently from their documentation or expected design.

4. Third-Party Wallet Infrastructure Risk

REBIND uses Privy as a third-party provider for secure key storage and recovery.
While this enhances ease of use and reduces the need for manual seed phrase management, it introduces dependency on Privy’s systems.
Any outage, compromise, or discontinuation of Privy’s services may temporarily or permanently affect access to your Digital Assets.
Neither REBIND nor Privy can recover funds if your account is compromised.

5. Regulatory risks

The legal and regulatory framework for Digital Assets is evolving and may change at any time.
Changes in laws or regulations may restrict or prevent the use of certain Digital Assets or services, or impose additional requirements.

6. Counterparty risks

When interacting with third-party services, such as fiat on/off ramp providers or yield-generating protocols, Users are subject to the terms, policies, and operational risks of those third parties.
REBIND does not control and is not responsible for the actions or omissions of such third parties.

7. Security risks

The loss or compromise of a User’s authorized signer, device, or other authentication method may result in the loss of access to their Digital Assets.
Phishing attacks, malware, and other malicious activities may target Users to steal credentials or funds.
REBIND does not provide custody services and cannot recover lost access credentials.

8. Operational risks

The Services rely on complex software systems, internet connectivity, and blockchain network availability, all of which may experience outages or degradation of performance.
Updates or changes to the REBIND Application or to underlying blockchain protocols may introduce incompatibilities or disruptions.

9. No guarantee of returns

Past performance of any Digital Asset or yield-generating strategy is not indicative of future results.
There is no guarantee that any yield, return, or other benefit will be achieved, and Users may incur losses.

10. Card-related risks

The use of the Payment Card involves risks that are separate from those associated with digital assets and decentralized finance. These risks include, without limitation:

declined or failed transactions at merchants or ATMs
delays or outages in payment networks or processing systems
fees, limits, or restrictions imposed by the card issuer or card scheme
fraud, theft, or unauthorized use of the Payment Card
disputes with merchants or service providers, including chargebacks and refunds
cross-border transaction restrictions or foreign exchange conversion losses

The User expressly acknowledges that they have considered these risk factors and determined that they are able to bear the associated risks, including the potential loss of their entire investment in Digital Assets.