Terms of service

2. Updates to These Terms

2.1. We continually strive to enhance your experience, which means we may occasionally update these Terms of Use to improve our services. Such updates are intended to ensure that you can continue using our services smoothly and without interruption.

2.2. As a user, you are required to comply with any revised version of these Terms that we publish on our site. If you continue to use our services 14 days after the updated Terms are published online or sent via email, this will be considered your acceptance of the changes.

2.3. We encourage you to regularly review your account and our communications, as updates are posted frequently.

3. Identity Verification

3.1. When you register an account with us—and at any time thereafter—we may require you to provide comprehensive personal information, such as your full name, address, telephone number, email address, and date of birth. For verification purposes, we may also request documentation proving the source of your funds, financial standing, and occupation. This could include, but is not limited to, a government-issued identity card, proof of residence, or a house ownership certificate. Additionally, if required by AML/KYC obligations, further verification may be requested during your login sessions. You may be asked to provide notarized copies of these documents at your own expense. Should we find any signs that the documents have been tampered with or found misleading—such as clear evidence of fraudulent alterations—we reserve the right to reject them without providing detailed feedback regarding the specific issues identified. If we determine that you are under 18, we may terminate your account and these Terms and Conditions immediately.

3.2. Furthermore, if we need to perform background or additional verification checks using documentation obtained from third parties, you agree that we have the right to do so in order to confirm the accuracy of the information you have submitted.

4. Our Services and Transactions

4.1. We are thrilled to offer you our services, which allow transactions using Bitcoin, Litecoin, or other supported virtual currencies. We securely store your cryptocurrency and simplify the process of purchasing digital assets using fiat currency.

4.2. The exchange rate for buying or selling cryptocurrency is determined as outlined in Section 5 below.

4.3. By using our Services, you agree to provide certain personal information—such as your name and contact details—for verification purposes. This data is stored in our systems to maintain an accurate record of all transactions executed through our platform.

4.4. The minimum order size for cryptocurrencies is specified on our website. While any changes to these minimums will not affect Section 2.2, we advise you to review the current requirements prior to placing an order if you plan to trade cryptocurrency.

4.5. Your continued use of our Services is subject to any changes in the fees. Such adjustments will not affect Section 2.2 unless specifically agreed upon in writing. Any fee modifications will be communicated through published updates on our website or via email.

4.6. Purchasing Cryptocurrency:

After opening an account with us, you can purchase cryptocurrency using USD, GBP, EUR, or any other government-issued currency designated as legal tender (“FIAT Currency”) as determined by us from time to time. Once your payment in FIAT Currency is received by MyXspend, and in accordance with these Terms & Conditions, the corresponding cryptocurrency will be delivered to your virtual wallet address.

4.7. Guest Access:

In certain circumstances, you may access our Website and use our Services as a guest without creating a full account or funding it with cryptocurrency. A “Guest Account” provides limited functionality, allowing you only to purchase cryptocurrency and conduct transactions between digital wallet addresses. Specific restrictions apply—please refer to Section 14.7 for details on our limited liability during guest usage. For full transaction access as a guest, please contact support@myxspend.com.

4.8. Once you have opened an account and set up a wallet with us, you will be able to sell your cryptocurrency in exchange for fiat currency. The corresponding funds will be deposited directly into the bank account you designated during registration.

4.9. You acknowledge that, to ensure liquidity for our users, MyXspend may trade cryptocurrencies with other exchanges. In situations where there is insufficient trading volume—such as during flash crashes—we may decline orders or transactions to protect users from being unable to access their funds in a rapidly fluctuating market.

4.10. We reserve the right to set limits on the amount of cryptocurrency you can buy or sell, as well as impose limits related to our KYC process (e.g., daily or monthly transaction thresholds). You agree not to exceed these limits in any transaction, as doing so could compromise the fair trading conditions designed by our legal and industry experts.

4.11. By using our services, you agree that we may refuse or cancel any purchase of virtual currencies, even after funds have been debited from your account, if we determine—for any reason, such as insufficient funds—that the transaction cannot be completed.

4.12. We reserve the right to suspend, modify, remove, or add to the Services at any time without prior notice.

4.13. By using MyXspend Services, you acknowledge that it is your responsibility to ensure compliance with these Terms and Conditions. We are not obligated to monitor whether users adhere to these terms; therefore, you must regularly check for updates or amendments.

4.14. By accessing the Website or using our Services, you affirm that your actions comply with all applicable laws and regulations.

4.15. We may block or restrict access to our Services without prior notice for the following reasons:

• (i) Technical failures within the platform;

• (ii) Necessary maintenance work that temporarily affects service availability;

• (iii) Additional verification procedures or analysis of your activity in compliance with AML regulations.

5. Sale Price of Cryptocurrency

5.1. All sale prices for cryptocurrency are quoted in FIAT currency, as determined by MyXspend.

5.2. You acknowledge that cryptocurrency prices are highly volatile. While we display current rates on our site, these rates may change rapidly due to market fluctuations and the timing of payment selections by us or third-party processors involved in transaction processing. “The Final Price” is determined at the moment of execution, after deducting any applicable fees from each party.

5.3. You understand and agree that the Final Price may differ—being either higher or lower—from any rate previously displayed on our site, in accordance with market value fluctuations. This variability may occasionally work to your advantage; however, it also means that price changes can occur without warning.

6. Order Execution

6.1. When you place an order with us, you agree to the following conditions. Any cryptocurrency purchase or sale is deemed pending until we receive the necessary confirmation of funds, meaning that the transaction is not finalized until this confirmation is obtained—even if an email containing payment details has been sent.

• 6.1.1. For FIAT Currency payments made using a credit or debit card, confirmation is considered received once we obtain verification from your card issuer.

• 6.1.2. For FIAT Currency payments made through other methods, confirmation is received when the funds actually appear in our account.

• 6.1.3. For transactions involving the delivery of Cryptocurrency to us, the order is finalized only upon the actual receipt of the cryptocurrency in our designated electronic wallet.

6.2. Once your payment has been processed—or the cryptocurrency has been delivered, if applicable—and once all required KYC procedures have been successfully completed, we will execute your order at the final price, which generally aligns with the rate agreed upon in advance.

6.3. Following the execution of your cryptocurrency purchase or sale order, we will transfer the relevant currency to the wallet address you have designated. Although delivery times may vary, we strive to process transactions as quickly and efficiently as possible.

6.4. After execution, you will receive a transaction confirmation that details the final price and other pertinent information, ensuring that the transaction has been completed successfully.

6.5. In rare cases, MyXspend reserves the right to either cancel your order or offer you an alternative price for our Services. If we decide not to proceed with the transaction, any cryptocurrency already received from you will be returned, subject to the deduction of any applicable payment processing charges or costs incurred. The provisions of this Section 6.5 apply to any return of cryptocurrency already received, with the then-current equivalent costs and expenses deducted accordingly.

6.6. MyXspend retains the right to modify any transaction or order at our sole discretion. In the event of a failed payment, you agree that we may:

(i) cancel the transaction;

(ii) process refunds using an alternative payment method if necessary; or

(iii) debit other accounts you hold with us for the required amount to cover the difference.

7. Legal Age and Restricted Territories

7.1. You must be at least 18 years old—or older, as applicable—to use our services. By registering, you represent and warrant that you are legally capable of entering into a contract and that all registration information provided is accurate and truthful. MyXspend reserves the right to request proof of age from any account if deemed necessary, and your access will remain suspended until satisfactory evidence is provided.

7.2. You are prohibited from using our Services, Platform, and Website if you are located in, or are a resident of, any geographic area where access to these offerings is restricted by law, decree, regulation, treaty, or administrative act. This includes, but is not limited to, the following territories: Kuwait, Qatar, Serbia, Bahrain, Bangladesh, Egypt, Ethiopia, Jordan, Lebanon, Libya, Mali, Mauritius, Morocco, Oman, Somalia, Sri Lanka, Trinidad & Tobago, Afghanistan, Democratic People’s Republic of Korea (North Korea), South Sudan, Sudan, Yemen, Iran, Iraq, Occupied Palestinian Territories, Pakistan, Syria, Vanuatu, and Russia Federation nationals, as well as ethnic groups from the Caucasus region affiliated with the Russian Federation (e.g., Chechens, Lezgins, Ossetians, Ingush, etc.) (collectively, “Restricted Territories”). Additional restrictions may apply to other geographic areas as notified by us from time to time. The list of Restricted Territories may be updated periodically due to licensing requirements and other legal or regulatory changes.

7.3. Without limiting the provisions of Section 7.2, you agree not to use the Services in any jurisdiction where such use is expressly prohibited by applicable law or regulation.

7.4. Please note that we do not provide legal advice regarding the use of our services. It is your responsibility to ensure that your use of our Services complies with local laws. If the use of our services is illegal in your jurisdiction, this will become apparent during the account registration process or when attempting to access certain features that require the submission of personal information.

8. Your Account

8.1. You are permitted to have only one personal account for your exclusive use. Creating multiple or linked accounts is not allowed. Your account is intended solely for personal purposes and must not be used in any professional capacity; it must remain private and discreet.

8.2. You may access the Website and use our Services only through your own account. Accessing or utilizing another person’s account or content in any manner is strictly prohibited.

8.3. MyXspend reserves the right to offset any outstanding balances owed by you—whether in cryptocurrency or fiat currency—at any time.

8.4. You are required to respond promptly and accurately to all official communications from us. If you do not receive a reply, it is your responsibility to follow up with the sender to ensure that you remain informed about important updates.

8.5. MyXspend is not liable for any damages caused by unauthorized access or use of the Website or Services, including any system malfunctions resulting from information security issues, except in cases where such issues are due to gross negligence on our part.

8.6. MyXspend is not responsible for any information associated with your use of the Website or Services that becomes known to a third party through means beyond our control.

9. Intellectual Property Rights

9.1. By installing and using the software associated with this Website, you acknowledge and agree that all related intellectual property—including, but not limited to, patents, copyrights, design rights, and trademarks—is the exclusive property of MyXspend. You are granted a limited license to use these resources solely for personal purposes and in strict accordance with these Terms and Conditions. You must not:

(i) copy, interfere with, tamper with, redistribute, publish, reverse engineer, decompile, disassemble, amend, modify, translate, or attempt to access the source code to create derivative works;

(ii) sell, assign, sublicense, transfer, distribute, or lease the Platform;

(iii) make the Platform available to any third party via any network or by any other means;

(iv) export the Platform to any country by physical or electronic means; or

(v) use the Platform in any manner that violates applicable laws or regulations (collectively referred to as the “Forbidden Practices”).

9.2. Engaging in any of the Forbidden Practices exposes both you and MyXspend to significant risks. If you become aware of any such activity by another party, you must immediately notify our team so that we can investigate and take appropriate action.

9.3. All trademark names, service marks, and trade names associated with our site (the “Trademarks”) are owned either directly by us or through exclusive licensing agreements with third-party holders. Your rights to use any of these Trademarks are strictly limited to the terms outlined in these Terms and Conditions.

10. Client Representations and Warranties

By using our Services, you confirm and agree to the following:

10.1. Age and Accountability:

You affirm that you are at least 18 years old (or older, as applicable) and capable of taking full responsibility for your actions.

10.2. Binding Agreement:

Each time you click “Terms & Conditions,” you are legally binding yourself to these Terms.

10.3. Account History:

You warrant that you have not previously terminated an account with us or had your registration as a customer rejected.

10.4. Accurate Personal Information:

You agree to provide complete and accurate information about yourself, including your name and address. Furthermore, the details on any payment card used for transactions must match the information provided to avoid any unauthorized use of funds.10.5. Up-to-Date Information:

It is your responsibility to keep your account information current. Any modifications to your details may trigger additional KYC procedures before the changes can be processed by our team.

10.6. Exclusive Account Access:

Your account is for your personal use only. No third party—including family members—may access your account using your credentials. If you suspect that someone else has obtained your login details, you must notify us immediately.

10.7. Security Responsibility:

You are responsible for the security of your private key, username, and password on your own devices or internet connection. However, if our systems experience hacking attempts or security breaches (e.g., due to viruses or malware), it is our responsibility to address these issues promptly. Report any suspicious activity immediately so we can take appropriate action.

10.8. Usage at Your Own Risk:

Your decision to use our Services and the Website is entirely voluntary and at your own risk.

10.9. Liability for Transaction Consequences:

You acknowledge that your use of our Services is at your own risk. We are not liable for any outcomes resulting from your use, including tax obligations or other levies associated with funds transferred or received, or any obligations arising on behalf of third parties from these transactions.

10.10. Connectivity and Permissions:

You are responsible for ensuring that your device is connected to the internet and that you have obtained all necessary permissions to use our Services.

10.11. Wallet Accuracy:

To buy or sell cryptocurrency, you must use your personal wallet. You are solely responsible for verifying the accuracy and completeness of your wallet address. If you provide incorrect or incomplete wallet details during the purchase process, we may charge you an amount equal to the value of the investigation and work required by our team.

10.12. Single Account Policy:

You are permitted to open only one account with us. Any additional accounts may be suspended.

10.13. Exclusive Wallet Access:

Only you have access to your personal virtual wallet address.

10.14. Lawful Use:

You agree not to use our Website or Services for any unlawful activities. While we respect your privacy, if you are found to be engaged in criminal activities, we reserve the right to report such information to the appropriate authorities.

10.15. Lawful Funds:

You affirm that any cryptocurrency purchased from us—or any fiat currency received in exchange—is not intended for, nor will be used in, any illegal activity.

10.16. Legitimate Sources:

You guarantee that any fiat currency or cryptocurrency you provide has not been derived from illegal, criminal, or fraudulent activities under any applicable jurisdiction.

10.17. Price Fluctuations:

You acknowledge that the cryptocurrency prices displayed on our site may change. It is your responsibility to check the final price before making a purchase.

10.18. Compliance with Laws:

You agree to use our Services and the Website in accordance with all applicable laws, regulations, and directives.

10.19. Cooperation with Investigations:

By enrolling with us, you consent to being fully identified and to cooperating with any investigation into your account. Should we suspect any fraudulent or improper activity, your identifying information—and that of any related parties—may be disclosed to financial institutions or other authorities, which could adversely affect your credit or other standings.

10.20. Personal Account Requirement:

You agree not to open an account on behalf of anyone else or under a name other than your legal name.

10.21. Service Interruptions and Errors:

You acknowledge and agree that:

• 10.21.1. MyXspend shall not be liable for any loss, including loss of profits, resulting from delays, malfunctions, interruptions, data corruption, communication failures, or any other errors beyond our control.

• 10.21.2. MyXspend is dedicated to ensuring accurate completion of all transactions. If an error results in cryptocurrency or fiat currency being mistakenly credited to your account, you have no claim over those funds unless we explicitly agree otherwise. In such cases, you must notify us immediately so that corrective actions can be taken.

By continuing to use our Services, you confirm that you have read, understood, and agreed to all the above representations and warranties.

11. Payment Transactions and Fraud Prevention

11.1. By using our Services, you agree to pay all amounts due in both FIAT currency and cryptocurrency. We reserve the right to refuse service or withhold payment for various reasons, including (but not limited to) issues with the type of credit card used or discrepancies with your address—even if it has previously been confirmed by us.

11.2. MyXspend will not credit wire transfers until we can verify and authenticate your identity or payment account, as applicable.

11.3. If we determine that any payment is fraudulent or irregular (including, without limitation, any chargebacks), your account may be closed and all associated funds reversed. As a responsible company, we are obligated to report any instances of payment fraud or unlawful activity to the relevant authorities. We will not be liable for any unauthorized use of credit or debit cards, regardless of whether the cards were reported as stolen.

11.4. You agree to retain copies of your credit or debit card transaction receipts for a minimum period of three (3) months following any transaction made with us.

12. Dispute Resolution

12.1. By using our Services, you agree that MyXspend shall serve as the final authority regarding your use of our products and Services. You also acknowledge that any dispute concerning our decisions may only be raised with our prior consent, so please contact us before making any changes or challenging our decisions.

12.2. The company will not entertain any claims or disputes if more than 7 days have elapsed since the transaction took place. If you believe we have not fulfilled our agreement, please contact our support team at support@myxspend.com and provide all necessary details so that we can promptly investigate the matter.

12.3. The MyXspend team is committed to resolving disputes and claims quickly and fairly. We will review your dispute request within 21 business days from the date of submission.

12.4. If you disagree with our decision, please immediately contact our customer service manager and supply all relevant evidence supporting your appeal.

12.5. We regret that we cannot provide a faster resolution. Please note that our appeals process takes up to 14 business days; however, we assure you that the process will be thorough and just.

12.6. If you are located in any EU member state, you have the option to submit a payment transaction dispute via the European Commission’s Online Dispute Resolution Platform at https://ec.europa.eu/consumers/odr/.

13. Acknowledgement of Risks

13.1. By accepting these Terms, you agree that MyXspend is not liable for any damages or losses you may incur through the use of our Services.

13.2. You acknowledge that our Services involve significant risks. If you have a solid understanding of your financial situation and are capable of managing potential losses, you may benefit from the opportunities provided by this agreement.

13.3. Cryptocurrency represents an innovative method for global financial transactions, yet it carries inherent risks typical of digital assets. For example, the value of cryptocurrencies such as Bitcoin is largely based on collective belief, and rapid market changes can occur unexpectedly due to economic events, affecting their profitability.

13.4. MyXspend is not a financial advisor and does not provide investment advice. Before engaging in any transactions, you confirm that you have conducted thorough research on the risks involved and acknowledge that any opinion on the suitability of a transaction is not guaranteed by us.

13.5. By continuing with this agreement, you consent to the possibility that your account may be temporarily suspended, rendering it inaccessible for a period of time. In such cases, we will take all legally available steps to resolve the issue without resorting to legal proceedings.

13.6. MyXspend is not responsible for market fluctuations in cryptocurrency values. In the event that market conditions disrupt our Services, we reserve the right to suspend operations at our discretion. Furthermore, we do not offer guidance on protecting yourself during such market volatility, as trading cryptocurrencies is inherently risky

14. Limitations of liability

14.1. No Warranties Provided:

MyXspend provides its Services “as is” without any express or implied warranties, including but not limited to warranties of merchantability, satisfactory quality, fitness for a particular purpose, completeness, accuracy, or non-infringement of applicable laws. The entire risk associated with the use and performance of our Services lies with you. We deliver only what is available at the time of your order; if issues arise, please notify us immediately so they can be resolved as quickly as possible.

14.2. No Guarantees on Suitability or Outcomes:

By using our Services, you acknowledge that we make no warranty regarding the suitability of our products for your particular needs or the effects they may have on your specific situation. We do not guarantee any outcomes and will not be held liable for any consequences resulting from your use of our Services.

14.3. Account Credentials:

MyXspend is not responsible for any lost, forgotten, or compromised account information. If you lose access to your login details, please contact us promptly so we can help restore your access.

14.4. Governing Law and Conflicts:

This agreement is governed by the laws applicable in your location, without regard to conflicting local rules on retention or other substantive law principles. Should any provision of these Terms conflict with your local laws, the local law will prevail, but such conflict will not modify the remainder of these Terms. MyXspend is not liable for any loss of business, profits, or anticipated savings. We do not guarantee uninterrupted or damage-free use of our Website, though we maintain quality and security measures to ensure a safe user environment.

14.5. Dispute Filing Period:

Any disputes arising under these Terms must be filed within one year of the incident. Failure to initiate a dispute within this timeframe may result in the forfeiture of your rights to claim any damages.

14.6. Accuracy of Information:

You are solely responsible for providing accurate and complete information. MyXspend will not be liable for any losses or issues resulting from inaccurate or incomplete information, and we reserve the right to refuse payment processing (including via credit cards) if we deem the payment method insecure.

14.7. Irrevocability of Transfers:

When you purchase cryptocurrency from us, you agree that MyXspend is not responsible for how the cryptocurrency is subsequently used in your designated wallet. Furthermore, once you transfer cryptocurrency to an external digital wallet, the transfer is final and cannot be reversed.

14.8. Force Majeure:

MyXspend is not liable for any delays or failures in providing our Services due to events beyond our reasonable control, including but not limited to telecommunications network failures, power outages, hardware malfunctions, fires, or actions by government authorities (force majeure events).

14.9. Reliance on Information:

It is your responsibility to verify all information before relying on it. Any decisions you make based on the content provided are solely at your own risk, and MyXspend will not be liable for any inaccuracies or errors in the information offered.

15. Indemnification

15.1. You agree to fully indemnify and defend MyXspend, its affiliates, and their respective service providers against any claims or demands arising from your use of our Services. This includes, but is not limited to, any liabilities, damages, losses, costs, and expenses (including reasonable legal fees) incurred as a result of:

• 15.1.1. Any breach of these Terms & Conditions by you;

• 15.1.2. Any violation by you of applicable laws, regulations, or the rights of any third party; and/or

• 15.1.3. Any use of the Services or Website by you, or by any other person accessing the Services using your user identification, whether or not such access is authorized by you.

16. Account suspension, closure and termination

16.1. By using or accessing this Website in accordance with Section 1.5, you unconditionally accept these Terms & Conditions.

16.2. We reserve the right to terminate or suspend your account at any time, particularly if we determine that you are ineligible, unresponsive, or otherwise not compliant with our Services. This may occur under the following circumstances (but is not limited to):

• 16.2.1. If we decide to discontinue providing the Services to you or in general.

• 16.2.2. If we exercise our right to cancel or terminate your account without notice, as provided in these Terms.

• 16.2.3. If you fail to pay for cryptocurrency purchases or other Services as required.

• 16.2.4. If you fail to deliver the cryptocurrency you have sold to us.

• 16.2.5. If you fail to transfer the required FIAT Currency to us.

• 16.2.6. If your submitted documents do not pass our internal security checks (as described in Section 3.1).

• 16.2.7. If we suspect or determine that you are engaging in fraudulent activity or abusing our Services.

• 16.2.8. If we believe you are obstructing the provision of our Services in any way.

• 16.2.9. If there has been no transaction activity on your account for six (6) or more consecutive months.

• 16.2.10. If we reasonably suspect that your transactions are non-compliant with applicable laws.

• 16.2.11. If we are compelled by a subpoena, court order, or a request from a government or regulatory authority.

• 16.2.12. If you take any action intended to circumvent our controls, including but not limited to opening multiple accounts.

• 16.2.13. If your account is involved in any pending litigation, investigation, or government proceedings, or if we receive notice from law enforcement indicating illegal conduct.

• 16.2.14. If our service partners are unable to support your use of the Services.

• 16.2.15. If we believe that your activities are adversely affecting our reputation.

• 16.2.16. If we determine that your account is being used by someone other than you, or for the benefit of another party.

• 16.2.17. If we have a good faith belief that your account is linked to any account that has been suspended or terminated for breaching these Terms.

• 16.2.18. If you fail to provide requested information or if the information provided does not meet our requirements.

• 16.2.19. In the event of a Force Majeure Event.

• 16.2.20. For any other reasonable cause we deem appropriate.

16.3. If your account is suspended or terminated, you will no longer be able to access our Services. In such cases, any outstanding orders may be canceled or processed based on their status at the time of suspension. For example, if you purchased cryptocurrency but have not yet received delivery, appropriate adjustments may be made, including the withholding of funds as necessary.

16.4. You may terminate these Terms & Conditions by sending an email to support@myxspend.com. Termination will take effect upon the closure of your account (including the deactivation of your username and password), which will occur within seven (7) calendar days following our receipt of your termination request. You will remain responsible for any activities and any outstanding obligations (such as debts or pending purchase amounts) incurred during this period.

16.5. Upon termination of these Terms & Conditions:

• 16.5.1. You must immediately cease using the Website and Services.

• 16.5.2. You must pay any amounts owed to us.

• 16.5.3. You must return any cryptocurrency that you owe to us.

• 16.5.4. The provisions of these Terms shall continue to define our relationship and your obligations as necessary.

16.6. The right to terminate these Terms & Conditions and close your account does not affect any other rights we may have regarding breaches of these Terms.

16.7. Termination of these Terms & Conditions will not affect any rights or obligations that have accrued prior to termination.

17. Customer Support and Service

17.1. Our customer service department is available to assist you with any questions or concerns you may have. Please note that all calls may be recorded for quality assurance and to help us improve our services.

17.2. The information you provide enables us to send you personalized offers exclusively for registered users. This includes access to exclusive deals, updates on upcoming products, and other news specifically related to MyXspend’s services.

17.3. By engaging with our customer service, you agree to abide by our Terms and Conditions. We enforce a strict zero-tolerance policy toward any form of customer abuse—whether it occurs through telephone calls, live chats, emails, or other communication channels. Such behavior will be considered a breach of these Terms and may result in the termination of your account.

18. Third party links, sites and services

Please be aware that this Website may include links to third-party websites, advertisers, and services. We do not control these external sources and, therefore, cannot guarantee their accuracy, relevance, or suitability for your needs. As these sites may present content unrelated to our discussions or services, we strongly recommend that you review and verify the terms and conditions of any third-party site before proceeding further.

19. Governing law

The contract between you and MyXspend is governed by the laws of Estonia. You agree that Estonian courts have exclusive jurisdiction to resolve any disputes, actions, or proceedings (“Proceedings”) arising from these Terms & Conditions. However, if MyXspend encounters any issues with the chosen venue, we reserve the right to appeal and have the matter decided in any jurisdiction where such proceedings may be appropriately brought.

20. Miscellaneous

20.1. Entire Agreement:

These Terms & Conditions constitute the complete and exclusive agreement between MyXspend and you regarding your use of our Website, Platform, and Services. By using our products, you agree to be bound by all the terms set forth herein. Please read these Terms carefully before submitting any information on our site.

20.2. No Additional Rights:

Unless expressly provided for in these Terms, you are not entitled to any rights or remedies beyond those stated. While we reserve the right to exercise any remedies that we believe will benefit you, our failure to enforce a provision on one occasion does not waive our right to enforce it in the future. A partial or single exercise of any right or remedy shall not preclude further exercise of that right or any other right or remedy. Any waiver granted by us for a default shall not be deemed a waiver of any subsequent default.

20.3. Severability:

If any provision of these Terms is found by a competent authority to be invalid or unenforceable, in whole or in part, such invalidity or unenforceability will not affect the remaining provisions, which will continue in full force and effect. We will endeavor to ensure that you continue to enjoy the benefits of your purchase as originally agreed.

20.4. Duration and Amendments:

These Terms & Conditions will remain enforceable from the moment of your acceptance until you revoke your consent in writing. We reserve the right to modify these Terms at any time without prior notice. It is your responsibility to stay informed about any changes.

20.5. Third-Party Rights:

No rights under these Terms are intended to be conferred on any third parties, except where expressly provided by applicable law or as otherwise agreed in writing with us.

20.6. Outsourcing:

Before outsourcing any part of your services to third parties, you should obtain appropriate legal approval.

20.7. Relationship of the Parties:

These Terms do not create a partnership, joint venture, or agency relationship between you and MyXspend. Instead, they establish an independent contractor relationship, with each party remaining solely responsible for fulfilling its respective obligations.

20.8. Governing Language:

This agreement is drafted in English, and the English version shall prevail over any translations or versions in other languages.