Terms of Use | MetaBank

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MetaBank Terms of Use

Welcome to our website's "Terms of Use". These terms govern your use of our website and the services we offer through our websites, APIs, or mobile applications. By accessing and using our website, APIs, or mobile applications, you agree to be bound by these terms and to comply with all applicable laws and regulations. Please take the time to carefully review these terms, as they set out the terms and conditions on which MetaBank will provide services to you and contain important information about your rights and obligations. If you do not agree to these terms, please do not use our website, APIs, or mobile applications.

Please note that we may modify this Policy from time to time. We encourage you to periodically review this notice to stay informed of any updates.

Last updated as of 6 February 2023.

Introduction

1.1 In this document, references to MetaBank / we/ our / us are to MetaBank Pte Ltd. Any references to Customer / you / your are references to you as a customer of MetaBank and user of our services. Any references to the “Service” includes websites, APIs, or mobile applications.

1.2 By signing up to create an Account with MetaBank or any of our associated websites, APIs or mobile applications (collectively the “Site”), you agree that you have read, understood, and accept all of the terms and conditions contained in this Agreement, as well as our Privacy Policy.

1.3 This Agreement will govern the use of the Services provided by MetaBank. By using the Services you agree to be bound by the terms and conditions of this Agreement. If you do not agree to any of the terms in this Agreement, or any subsequent modiﬁcation to this Agreement, you will not be permitted to use the Services and your Account with us will be closed. This Agreement will come into effect when you confirm electronically that you agree to it. We recommend that you retain a copy of this Agreement and transaction records.

1.4 Use of cryptocurrency may be illegal in some jurisdictions. It is your responsibility to know the regulatory requirements concerning transactions with cryptocurrency in your jurisdiction before using the Services.

1.5 For the purposes of this Agreement:

1.5.1 an “Account” means an online account created by you in order to access the MetaBank Services;

1.5.2 a "Business Day" means any day which is not a Saturday, Sunday or public holiday in the respective jurisdiction referred to at clause 1.1, and which the banks are open for business in such jurisdiction;

1.5.3 “Cryptocurrency” or “Cryptocurrencies” means a cryptographically secured digital representation of value or contractual rights that uses a form of distributed ledger technology and can be transferred, stored or traded electronically. The definition of Cryptocurrency also includes “right to, or interest in, the Cryptocurrency”;

1.5.4 “Order” means a request for the Services;

1.5.5 “Partner” means third party firms who refer you to MetaBank in order to purchase and/or sell Cryptocurrencies;

1.5.6 “Partner Sites” means Partner’s mobile applications and websites;

1.5.7 “Services” means to the purchase and/or sale of Cryptocurrencies from MetaBank; and

1.5.8 “Wallet” means a secured digital facility in which Cryptocurrencies are held.

1.6 MetaBank is responsible for safeguarding and holding your cryptocurrency, or any private keys or other security information to access your cryptocurrency

Every purchase and sale of Cryptocurrency is effected on and conﬁrmed by the respective network of that Cryptocurrency. The conﬁrmation of purchase is close to be instant and the confirmation of sale takes T+1 business day ). An Order is not complete until it is conﬁrmed. Cryptocurrency associated with Orders that are in a pending state will be designated accordingly.

Eligibility

2.1 To be eligible to use any of the MetaBank Services, you confirm that you are:

2.1.1 at least 18 years old;

2.1.2 have sufficient capacity to enter into legally binding contracts;

2.1.3 reside in a country in which the relevant MetaBank Services are accessible; and

2.1.4 willing to provide to us any current valid personal identification documents that we request

2.1.5 The list of accessible countries can be found here.

Services provided to you

3.1 Once you have completed the registration process (as set out at clause 4 below), MetaBank will provide the Services to you.

3.2 When using the Services, you are buying Cryptocurrency from, or selling Cryptocurrency to, MetaBank directly. MetaBank does not act as an intermediary or marketplace between other buyers and sellers of Cryptocurrency.

3.3 MetaBank will send / deliver Cryptocurrency to the Wallet address indicated at the time of the Order subject to the conditions of this Agreement;

3.4 MetaBank provide cryptocurrency wallets and is custodian of funds or assets;

3.5 Orders through MetaBank are executed individually, one by one.

3.6 MetaBank DOES NOT facilitate or provide trading or investment or brokerage accounts or facilities, nor does MetaBank provide investment or any other financial advice.

Customer registration process

4.1 To use the MetaBank Services, you will need to register for an Account by providing your name, email address and accepting the terms of this Agreement. By using MetaBank Services, you agree and represent that you will use the MetaBank Services only for yourself, and not on behalf of any third party. Upon successful completion of the registration process, MetaBank will establish your Account. You are fully responsible for all activity that occurs under your MetaBank Account. We may, in our sole discretion, refuse to open a MetaBank Account for you, or limit the number of Accounts that you may hold or suspend or terminate any Account, and are not required to provide you with the reasons for taking any such action.

As part of the registration process, you must provide MetaBank with the information that is requested as part of the Account opening process to identify and verify your identity and for the detection of anti-money laundering, terrorist financing, fraud, or any other financial crime and permit us to keep a record of such information. You will need to complete certain verification procedures before you are permitted to start using the MetaBank Services.

4.2 The information we request may include certain personal information including, but not limited to, your name, address, telephone number, email address, date of birth, taxpayer identification number, government identification number, information regarding your bank account (such as the name of the bank, the account type, routing number, and account number) network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details. In providing us with this or any other information that may be required, you confirm that the information is accurate and correct and you agree to keep us updated if any of the information you provide changes. We will treat this information in accordance with the data protection provisions of this Agreement, as set out at clause 13.

4.3 You authorise us to make enquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably deem necessary based on the results of such inquiries. When we carry out these enquiries, you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our enquiries in full. This is an identity check only and should have no adverse effect on your credit rating. Additionally, we may require you to wait some amount of time after completion of a transaction before permitting you to use further MetaBank Services and/or before permitting you to engage in transactions beyond certain volume limits.

4.4 Failure to provide any information that MetaBank reasonably requests from you pursuant to applicable money laundering laws and regulations after you have become a Customer shall be grounds for the suspension of the provision of Services to you (including access to your Account) and/or the termination of this Agreement. The nature and extent of the information you are required to provide may differ, for example, based on the Services provided to you under this Agreement and/or the means of payment you use.

4.5 Where you are referred to us by our Partners via Partner Sites, you will still be required to register for an Account with MetaBank and this Agreement will apply in full irrespective of any other terms you sign up to with our Partners.

Transactions limits and enhanced due diligence

5.1 The use of all MetaBank Services is subject to a limit on the volume, stated in USD or other fiat currency you may transact or transfer in a given period (e.g. daily). To view your limits, login to your MetaBank Account. Your transaction limits may vary depending on your payment method, verification steps you have completed and other factors.

We reserve the right to change applicable limits as we deem necessary and where possible will provide advance notice to you, although in some cases this will not be possible and you will be informed after any changes to the applicable limits have taken place. If you wish to raise your limits beyond the posted amounts, you may submit a request at support@metabank.com.

5.2 We may require you to submit additional information about yourself and provide additional records, if you wish to raise your limits ("Enhanced Due Diligence"). In our discretion, we may refuse to raise your limits, or we may lower your limits at a subsequent time even if you have completed Enhanced Due Diligence.

Cryptocurrency orders

6.1 You will be able to purchase and sell Cryptocurrencies (if in a supported region) from and to us, through our Site and through Partner Sites subject to the applicable fees and limits displayed during the purchase and sale flow.

6.2 The Order being honoured by the Customer’s bank, card provider or other relevant party, Cryptocurrency purchases shall be credited to MetaBank wallet as soon as possible once the Cryptocurrency purchase has been confirmed by the Cryptocurrency network.

6.3 Subject to clauses 6.2 and 8, Cryptocurrency sales shall be debited to any Cryptocurrency Wallet or Bank saving account , as provided by you at the time of the Order, as soon as possible once the Cryptocurrency sale has been confirmed by the Cryptocurrency network.

Once submitted to a Cryptocurrency network, a Cryptocurrency sale will be unconfirmed for a period of time pending sufficient confirmation of the Order by the Cryptocurrency network. Cryptocurrency Orders that are in a pending state will not be debited to the Wallet. Once the Cryptocurrency sale is confirmed, fiat funds will be credited to the Customer’s bank, card provider or other relevant party.

6.4 MetaBank may use a third-party payment processor to process any fiat payment between you and MetaBank.

6.5 Recurring Transactions. If you set up a recurring purchase or sale of Cryptocurrencies (a "Future Transaction"), you authorise us to initiate recurring electronic payments in accordance with your selected Cryptocurrency Order. Your Future Transactions will occur in identical, periodic instalments, based on your period selection (e.g., daily, weekly, monthly), until either you or MetaBank cancels the Future Transaction.

This authorisation will remain in full force and effect until you change your Future Transaction settings or until you provide us with written notice via support@metabank.com.

6.7 Please note that as part of accessing our Services, you may be required to sign up to separate and independent terms when using the Partner Sites and with any third-party payment processor.

Cryptocurrency storage

7.1 MetaBank provides wallet and hold, safeguard or administer any private keys or other security information or Cryptocurrency for its Customers.

7.2 When using the Services, you will be asked to provide us with the address for your Wallet by either:

7.2.1 providing a QR code which represents your Wallet address; or

7.2.2 manually typing your Wallet address where provided when placing an Order.

7.3 It is your responsibility to provide us with a true, accurate and complete Wallet address when carrying out an Order. It is therefore important that the Wallet address that you provided for an Order is correct.

You understand and agree that MetaBank accepts no liability for you providing an incorrect or inaccurate Wallet address as part of an Order. By providing a Wallet address to us, you confirm that this is the Wallet address that should be used for the relevant Order and we will not, and have no responsibility to, check whether you have provided a correct and accurate Wallet address for the Order.

Transmission delays

8.1 MetaBank will use good faith efforts to fulﬁl Orders at the time that you place such Order, including the applicable fee and costs. However, from time to time, it may be necessary for MetaBank to delay fulﬁlment of an Order until such time as we are able to execute the Order. In such cases, we will notify you prior to the completion of your Order both:

8.1.1 the amount of Cryptocurrency you will receive; and

8.1.2 the price at the time (including associated fees and costs).

8.2 MetaBank does not have any control over transaction times for the Cryptocurrency Network and there may be instances where transaction times may take longer than usual. As such, you accept the risk that an Order facilitated by MetaBank may be delayed and you confirm that you will not hold MetaBank responsible for any losses, damages or injury arising out of or related to such delay.

Cancellations and refunds

9.1 Once you have placed an Order has been made it cannot be cancelled or recalled.

9.2 All Orders are final and cannot be refunded.

9.3 Once an Order has been sent to the Cryptocurrency Wallet it cannot be recalled or retrieved under any circumstances.

9.4 You hereby agree that upon delivery, you will not be entitled to any credit or refund and all purchases and sales of Cryptocurrency are final. MetaBank's obligation towards you will be absolutely discharged upon delivery of the Cryptocurrency to your Cryptocurrency Wallet or fiat funds to your bank account and you shall have no claim or right against MetaBank upon such delivery.

9.5 Please also note that Cryptocurrency transactions are irreversible. It is your sole responsibility to be vigilant of any fraud or mistake and to keep your private key safe. MetaBank will not take responsibility to issue refunds, regardless of whether you were the victim of fraud, mistake or loss of private key.

Suspension, termination and cancellation

10.1 MetaBank may:

(a) refuse to complete, or block or cancel you have authorised,
(b) suspend, restrict, or terminate your access to any or all of the MetaBank Services, and/or
(c) deactivate or cancel your MetaBank Account with immediate effect for any reason, including but not limited to where:

10.1.1 we reasonably believe that we need to do so in order to protect our reputation;

10.1.2 we are, in our reasonable opinion, required to do so by applicable law, regulation or any court or other authority to which we are subject in any jurisdiction;

10.1.3 we reasonably suspect you of acting in breach of this Agreement;

10.1.4 we have concerns that a transaction is erroneous or about the security of your MetaBank Account or we suspect the MetaBank Services are being used in a fraudulent or unauthorised manner;

10.1.5 we suspect money laundering, terrorist financing, fraud, or any other financial crime;

10.1.6 use of your MetaBank Account is subject to any pending litigation, investigation, or government proceeding and / or we perceive a heightened risk of legal or regulatory non-compliance associated with your MetaBank Account activity; and / or

10.1.7 you take any action that may circumvent our controls such as opening multiple MetaBank Accounts or abusing promotions which we may offer from time to time.

10.1.8 you fail to provide on request such documentation as MetaBank (or any third party whose services we use in providing the Services to you under this Agreement) reasonably requires in order to comply with its obligations under applicable money laundering laws and regulations or otherwise to ensure the verification of your identity and/or funding sources to MetaBank satisfaction.

10.1.9 any Cryptocurrency Order is significantly larger in size;

10.1.10 MetaBank reasonably believes that it is necessary or desirable to do so in order to protect the security of the Account, including circumstances where any Account details may have been lost or stolen.

10.2 In the case of any such suspension, MetaBank shall make reasonable efforts to inform you about the withholding or suspension, provided that such disclosure:

10.2.1 is not in breach of any applicable law or regulation and does not contravene the instruction of any competent authority or regulator; and

10.2.2 would not compromise MetaBank 's reasonable security measures.

10.3 MetaBank shall not be liable to you for any losses you may suffer as a result of any reasonable action it takes to suspend the Account or withhold settlement of a Cryptocurrency Order in accordance with this clause 10.

Where the reasons for MetaBank 's actions under this clause 10 cease to exist, MetaBank may, at its discretion, either reinstate access to the Account and the Services and/or issue the Customer with new Account details and reserves the right to ask you to re-complete the Account opening procedures as outlined in this Agreement and to resolve any open issues with your Account before a restriction can be removed.

Notwithstanding the above, we may suspend, restrict, or terminate your access to any or all of the MetaBank Services and/or deactivate or cancel your MetaBank Account, without reason by giving you one months’ notice. You acknowledge that our decision to take certain actions, including limiting access to, suspending, or closing your MetaBank Account, may be based on confidential criteria that are essential for the purposes of our risk management and security protocols. You agree that we are under no obligation to disclose the details of its risk management and security procedures to you.

10.4 You will also be able to cancel your MetaBank Account, at any time and free of charge, and will only be required to pay for those Services used that are subject to charges. If any Order is in a pending status at the time your MetaBank Account is cancelled or suspended, such Order will be completed before cancellation is effective. You may not cancel your MetaBank Account to evade an investigation or avoid paying any amounts otherwise due to MetaBank.

10.5 In the event that you or we terminate this Agreement or your access to the Services, or deactivate or cancel your MetaBank Account, you will remain liable for all amounts due under this Agreement prior to this, including all fees and charges.

Liability

14.1 Neither MetaBank, nor any of its directors, employees or agents, shall be liable for any loss or damage sustained by you as a direct or indirect result of the provision by MetaBank of its Services, save that nothing in this Agreement shall exclude or restrict any liability of MetaBank resulting from:

14.1.1 death or personal injury;

14.1.2 for fraud, fraudulent misrepresentation or fraudulent misstatement; and/or

14.1.3 any statutory liability not capable of limitation.

14.2 MetaBank shall not in any event be liable for loss of profits, loss of opportunity, loss of business, loss of savings, loss of goodwill, loss of Cryptocurrency, claims by third parties, loss of anticipated savings (whether direct or indirect) or for any type of special, direct, indirect or consequential loss howsoever caused, even if caused by MetaBank’s negligence and/or breach of contract and even if such loss was reasonably foreseeable or MetaBank had been advised of the possibility of you incurring the same.

14.3 Except as expressly and specifically provided in this Agreement, MetaBank disclaims all warranties and conditions express or implied, including, but not limited to, implied warranties of satisfactory quality and fitness for a particular purpose, in relation to the Services, their use and the results of such use.

14.4 Whilst MetaBank takes every care to ensure that the standard of the Website remains high and to maintain the continuity of it, the Internet is not always a stable medium, and errors, omissions, interruptions of service and delays may occur at any time. As a result, we do not accept any ongoing obligation or responsibility to operate the MetaBank API.

14.5 MetaBank disclaims all liability associated with the use of Cryptocurrency, including:

14.5.1 unknown inherent technical defects;

14.5.2 regulatory or legislative changes; and

14.5.3 currency fluctuation.

14.6 MetaBank shall not bear any liability for any damage or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms or other malware that may affect your computer or other equipment, or any phishing, spooﬁng or other attack. It is your responsibility to use a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spooﬁng and phishing attacks and should use care in reviewing messages purporting to originate from MetaBank.

14.7 You indemnify and hold us, our subsidiaries, members, directors, partners, officers, employees, contractors and agents harmless from and against any loss, liability, claim, demand, damages, costs, expenses (including legal fees) which may arise from or in connection with the Services, any content on the Services shared by you or other users, any third party websites or resources found through the services, any users of the services, or any breach of this Agreement, applicable laws or any law or regulation in any jurisdiction.

14.8 Except for the express statements set forth in this Agreement, you hereby acknowledge and agree that you have not relied upon any other statement or understanding, whether written or oral, with respect to you use and access of the MetaBank Services and Site.

Warranties and representations

15.1 By agreeing to this Agreement, you represent, warrant and undertake to us that:

15.1.1 you have full power and authority to enter into this Agreement;

15.1.2 you understand and acknowledge that we do not warrant that any of the Services available through our API are suitable or appropriate for your needs and that you must take your own independent legal and other advice on such Services;

15.1.3 you are entering into this Agreement as principal and not on behalf of any third party;

15.1.4 you will not violate any applicable laws by entering into this Agreement or receiving the Services provided under it;

15.1.5 you will not provide false, misleading or inaccurate information;

15.1.6 you will not facilitate any viruses, malware, worms, trojan horses or some other computer programming routines that may damage, corrupt, disrupt, misuse or gain unauthorized access to any data, system information or MetaBank services;

15.1.7 funds or Cryptocurrencies transferred to the Wallet or any sub-Wallet have been acquired lawfully;

15.1.8 you will not use an anonymizing proxy; use any, other automatic devices, spider or manual process to copy or monitor our websites without our prior written permission;

15.1.9 you will not harass and/or threaten our employees, agents, or other users;

15.1.10 you understand and acknowledge that while we make reasonable endeavours to ensure the accuracy of the information that we provide, and which in turn, is provided to you, neither we nor any of our directors, employees or agents make any representation or warranty, express or implied, as to the accuracy or completeness of such information;

15.1.11 any information provided by you to MetaBank under this Agreement is true, complete, accurate, up to date and not misleading; and

15.1.12 you shall provide all assistance reasonably requested by MetaBank to enable MetaBank to comply with its obligations under this Agreement.

15.2 The MetaBank Services are provided on an "as is" and "as available" basis, with no further promises made by us around availability of the MetaBank Services. Specifically, we do not give any implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. We do not make any promises that access to the Site, any of the MetaBank Services, or any of the materials contained therein, will be continuous, uninterrupted, timely, or error-free.

15.3 MetaBank makes no representation or warranty that the Services are applicable or appropriate for use by Customers in all jurisdictions and it is your responsibility to ensure compliance with the laws of any relevant jurisdiction of your residence.

Stored card details

16.1 We are legally obligated to secure your consent to allow us to store your card details for future use and cannot process your payment before you agree to such storing. By accepting this Agreement, you hereby give us permission to do so.

16.2 Your card will remain stored against your Account for transactional purposes, unless you decide to remove it, or until the card expires. For legal purposes, we will continue to store records of your transactions in accordance with our Privacy Policy.

16.3 We need to do this so that you will be able to deposit and withdraw more easily in future and it also helps us to prevent and detect any fraudulent activity.

16.4 Stored details are primarily used so that you don’t have to re-enter all your details for every transaction you make. In your Account you will see the last 4 digits of the card number, and this forms the reference for you to reference the correct card you wish to use.

16.5 We also compare stored details in our fraud screening systems, to prevent your details being used on any other Accounts and safeguard your data.

16.6 As per our policy, if you don’t agree to us storing your payment card details, we won’t be able to process your deposit from the card used.

16.7 Changes in the permitted use will require your agreement, we will notify you if this occurs.

Right of withdrawal

17.1 You have 14 (fourteen) calendar days to exercise your right of withdrawal from this Agreement, without having to justify any reason or pay any penalty. This withdrawal period begins on the day after the date that your application is accepted by us.

17.2 We will not normally provide the Services during the withdrawal period. Any Services or Orders which are fully performed before a withdrawal cannot be reversed.

17.3 You must notify your withdrawal request to us within the allotted period by email to support@metabank.sg

17.4 If you exercise your right of withdrawal, this Agreement will be terminated at no cost to you.

Term

18.1 This Agreement will commence in the manner set out in clause 1 and will continue unless either party notifies the other of termination, in writing, in accordance with this Agreement.

18.2 This Agreement can be terminated immediately by the Customer providing written notice to MetaBank.

18.3 This Agreement can be terminated by MetaBank in accordance with all the provisions of this Agreement.

Security

19.1 You will be provided with security details from us which will be needed in order for you to access your Account with us. You must keep all such security details (including usernames and passwords) private and not share such details with any third party.

19.2 You must monitor your Account and read all messages that have been sent to you. If you suspect that any feature of your Account (for example login details, password or other security feature) has been lost, stolen, misappropriated, used without authorisation or otherwise compromised, you must contact us immediately notifying us of such action and you agree to change your password immediately if necessary.

19.3 We will never ask you to share your password with us or to any third party and you must never disclose this to anybody or allow someone to watch you when you are accessing your Account. It is advised that in order to keep your Account safe, you change your password regularly as this will minimise the risk of your Account being compromised.

19.4 You must also ensure that your registered email account(s) are secure and can only be accessed by you, as your email address may be used in the process of resetting passwords or we may send communications to your email account regarding the security of your Account with us. In case any of the email addresses registered with your Account are compromised, you should, immediately contact us and also contact your email service provider, once you have been made aware of this.

Force Majeure

20.1 Except as set out otherwise, neither party will be liable for any loss caused directly or indirectly from circumstances not within its control, including but not limited to acts of God, government restrictions, exchange or market rulings, actions affecting securities, clearing or commodity exchanges including suspensions of trading or extensions of trading hours, dealing cut-off times and holidays, acts of civil or military authority, national emergencies, natural disasters, wars, riots or acts of terrorism, industrial disputes, acts or regulations of any governmental or supranational bodies and authorities or the failure or malfunction of any telecommunication or computer service.

Notices

21.1 We may (where allowed to do so by law) communicate with you by posting information in your Account or on the Website, in which case the information will be treated as received by you when it is posted by us.

21.2 We may also contact you at the postal or email address you provide us with when applying to open your Account. Notices sent by email will be deemed to have been received at the time of transmission as shown by the sender’s records (or if sent outside business hours, at 9 am on the first Business Day following dispatch). Notice sent by post will be deemed to have been received on the second business day after posting.

General

22.1 You must comply with all applicable laws, regulations, licensing requirements and third party rights (including, without limitation, data privacy laws) in your use of the MetaBank Services.

22.2 We grant you a limited, non-exclusive, non-transferable licence, subject to the terms of this Agreement, to access and use the Site, and related content, materials, information (collectively, the "Content") solely for approved purposes as permitted by us from time to time. Any other use of the Site or Content is expressly prohibited and all other right, title, and interest in the Site or Content is exclusively the property of MetaBank and its licensors. You agree not to copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the Content, in whole or in part.

22.3 " MetaBank ",metabank.com.sg and all logos related to the MetaBank Services or displayed on the Site are trademarks or registered marks of MetaBank or its licensors. You may not copy, imitate or use them without our prior written consent or any third party's copyright, trade secret, patent or other intellectual property rights, or rights of publicity or privacy.

22.4 Your use of the MetaBank Services and the Site is subject to international export controls and economic sanctions requirements. By sending, buying, selling, Cryptocurrencies through the Site or MetaBank Services, you agree that you will comply with those requirements. You are not permitted to acquire Cryptocurrency or use any of the MetaBank Services through the Site if:

22.4.1 you are in, under the control of, or a national or resident of Cuba, Iran, North Korea, Sudan, or Syria or any other country subject to United States embargo, UN sanctions, the European Union or HM Treasury's financial sanctions regimes (each a "Sanctioned Country"), or if you are a person on the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Commerce Department's Denied Persons List, Unverified List, Entity List, or the EU or HM Treasury's financial sanctions regime (a "Sanctioned Person"); or

22.4.2 you intend to supply any acquired or stored Cryptocurrency or MetaBank Services to a Sanctioned Country (or a national or resident of a Sanctioned Country) or Sanctioned Person.

22.5 We will notify you of any change to this Agreement on your first use of the MetaBank Services after any amendment. You will be deemed to have accepted the change if you continue to use the MetaBank Services. If you do not accept the change you should let us know, and the Agreement will terminate.

22.6 We may make all other amendments to the Agreement by posting the revised Agreement on the Site or by emailing it to you, indicating when the revised Agreement becomes effective. Although we will endeavour to provide you with advance notice where possible, where lawful we may indicate that the revised Agreement shall be effective immediately and if you do not agree with any such modification, you should close your MetaBank Account and cease using the MetaBank Services.

22.7 Copies of the most up-to-date version of the Agreement will be made available in the Site at all times and will be provided to you by email on your request.

22.8 Nothing in this Agreement shall be deemed or is intended to be deemed, nor shall it cause, either you or MetaBank to be treated as partners or joint ventures, or either you or MetaBank to be treated as the agent of the other.

22.9 If you receive information about another user through the MetaBank Services, you must keep the information confidential and only use it in connection with the MetaBank Services. You may not disclose or distribute a user’s information to a third party or use the information except as reasonably necessary to carry out a transaction and other functions reasonably incidental thereto such as support, reconciliation and accounting unless you receive the user’s express consent to do so. You may not send unsolicited communications to another user through MetaBank.

22.10 You are responsible for keeping your email address and telephone number up to date in your MetaBank Account profile in order to receive any notices or alerts that we may send you (including notices or alerts of actual or suspected Security Breaches).

22.11 This Agreement (including documents incorporated by reference herein) comprise the entire understanding and agreement between you and MetaBank as to the subject matter hereof, and it supersedes any and all prior discussions, agreements and understandings of any kind (including without limitation any prior versions of this Agreement), and every nature between and among you and MetaBank.

22.12 Section headings in this Agreement are for convenience only and shall not govern the meaning or interpretation of any provision of this Agreement.

22.13 This Agreement is personal to you and you cannot transfer or assign your rights, licenses, interests and/or obligations to anyone else. We may transfer or assign our rights licenses, interests and / or our obligations at any time to any persons, including but not limited as part of a merger, acquisition or other corporate reorganisation involving MetaBank, provided that this transfer or assignment does not materially impact the quality of the MetaBank Services you receive. Subject to the foregoing, this Agreement will bind and inure to the benefit of the parties, their successors and permitted assigns.

22.14 If any provision of this Agreement is determined to be invalid or unenforceable under any applicable law, this will not affect the validity of any other provision. If any provision is found unenforceable, the unenforceable provision will be severed, and the remaining provisions will be enforced.

22.15 We may not always strictly enforce our rights under this Agreement. If we do choose not to enforce our rights at any time, this is a temporary measure and we may enforce our rights strictly again at any time.

22.16 This Agreement and any information or notifications that you or we are to provide should be in English. Any translation of this Agreement or other documents is provided for your convenience only and may not accurately represent the information in the original English. In the event of any inconsistency, the English language version of this Agreement or other documents shall prevail.

22.17 In the event that MetaBank is acquired by or merged with a third party entity, we reserve the right, in any of these circumstances, to transfer or assign the information we have collected from you and our relationship with you (including this Agreement) as part of such merger, acquisition, sale, or other change of control.

22.18 Unless otherwise stated, nobody else has any rights under this Agreement. This Agreement is between you and us. No other person shall have any rights to enforce any of its terms including under the Contracts (Rights of Third Parties) Act 1999.

22.19 All provisions of this Agreement which by their nature extend beyond the expiration or termination of this Agreement, including, without limitation, the Sections relating to suspension or termination, MetaBank Account cancellation, debts owed to MetaBank, general use of the Site, disputes with MetaBank, and general provisions will continue to be binding and operate after the termination or expiration of this Agreement.

22.20 This Agreement will be governed by, and construed in accordance with, the laws of Singapore and, subject to any overriding legal requirements, the parties irrevocably submit to the exclusive jurisdiction of the Singapore Courts. This Agreement and any information or notifications that you or we are to provide should be in English.

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