Terms of service

These Master Terms of Service (the “Master Terms”), together with applicable Service Schedules and incorporated documents, govern your use of the Platform and Services.

About These Terms and Unified Transact#

1.1 Unified and the Acepio Platform

These Master Terms are between you and Unified Transact LLC, a limited liability company organized under the laws of the State of Montana, United States of America (“Unified”, “we”, “us”, or “our”). Unified operates the financial technology platform available at acepio.com under the “Acepio” brand (the “Platform”). Unified's correspondence address is 1001 S Main St Ste 500, Kalispell, MT 59901, United States of America, and its notice email is [email protected].

“You” or “Customer” means the person or legal entity that creates an Acepio Account, accepts the Agreement, or uses a Service. If an individual accepts for an organization, that organization is the Customer and the individual represents that they have authority to bind it.

Unified provides or arranges the Services, subject to applicable law, onboarding and compliance requirements, and the availability of relevant providers, payment rails, currencies, virtual assets, and networks. Unified is authorized, subject to applicable law and the territorial limitations in the Agreement, to provide money transmission, foreign exchange, and prepaid-access services, and is registered with the United States Financial Crimes Enforcement Network (“FinCEN”) as a Money Services Business under registration number 31000321450031.

Unless a Service Schedule names another contracting provider, “Acepio”, “we”, “us”, and “our” mean Unified.

1.2 Acceptance

You accept the Agreement when you indicate acceptance during onboarding, create or activate an Acepio Account, or access or use a Service after being presented with the applicable terms.

Your onboarding acceptance includes the Service Schedules shown as applying to your Acepio Account. Use of a Service after acceptance binds you to its applicable Service Schedule.

Structure and Changes#

2.1 Agreement documents

The “Agreement” consists of these Master Terms, the Service Schedules applicable to your Acepio Account, and any transaction terms, disclosures, lists, or policies presented or incorporated for a Service.

2.2 Core Services

The Core Services described in the Agreement are included in its scope by default. Their availability may depend on your approval, location, the relevant provider, currency, asset, network, rail, and applicable law.

2.3 Additional services and features

A new Service Schedule or feature becomes part of the Agreement when you accept it during onboarding, sign or accept its supplemental terms, or use it after those terms are made available to you.

2.4 Providers

Unified may use banks, payment institutions, custodians, exchanges, and other providers to perform or support a Service. A Service Schedule may identify another entity as the contracting provider for a designated Service and state the terms that apply to it.

2.5 Order of precedence

For a conflict, the more specific applicable transaction terms prevail over a Service Schedule, and the Service Schedule prevails over these Master Terms, but only for the affected Service or transaction.

2.6 Changes

Unified may amend the Agreement by notifying you or posting an updated version on the Platform. An amendment takes effect on the date stated in the notice. Unified will give reasonable advance notice of material amendments, except where a shorter period is required by law or reasonably necessary to address a security, provider, or regulatory change. Continued use after the effective date constitutes acceptance.

Definitions#

3.1 Global terms

“Acepio Account” means the account Unified establishes for a Customer to access the Platform and Services.

“Authorized User” means an individual the Customer authorizes to access or use its Acepio Account.

“Credentials” means passwords, authentication factors, API keys, and other access methods issued or approved by Unified.

“Service” means a service or feature Unified makes available under the Agreement, and “Services” means all of them.

“Service Schedule” means a schedule setting out terms for a Service.

“Core Services” means the services listed in Section 6.1 and their applicable Service Schedules.

“Service Provider” means a bank, payment institution, custodian, exchange, or other third party Unified uses to perform or support a Service.

“Instruction” means a request submitted by you or an Authorized User through the Platform or another method Unified accepts to perform a Service.

“Transaction” means a transfer, receipt, exchange, conversion, or other movement of funds or virtual assets processed under a Service.

“Fiat Currency” means a government-issued currency Unified supports for a Service.

“Virtual Asset” means a digital asset, including a stablecoin, that Unified supports for a Service.

“Wallet” means a digital wallet, blockchain address, or ledger record used to hold or transfer Virtual Assets.

“Network” means a payment rail, blockchain, or other transaction network used to process a Service.

“Customer Materials” means information and materials you submit through the Platform.

Eligibility, Geographic Availability, and Onboarding#

4.1 Eligible customers

The Services are available only to:

1. businesses and other organizations engaged in commercial activity; and
2. individuals acting in a trade, business, profession, or entrepreneurial activity, including freelancers, entrepreneurs, and webmasters.

The Services are not available for personal, family, or household use. Unified may determine whether an applicant meets these requirements.

4.2 Geographic availability

Unified may offer the Services in non-U.S. jurisdictions subject to applicable law, its regulatory reach, provider requirements, and internal jurisdictional controls.

Unified maintains a non-public list of restricted and unsupported jurisdictions and may update it from time to time. If an applicant's country is not supported, Unified will inform the applicant during onboarding.

Where Unified does not actively offer a Service in a jurisdiction, or where providing it would subject Unified to a different regulatory framework, Unified may accept a customer only on the customer's own initiative and where permitted by law. This does not require Unified to offer additional Services or permit solicitation in that jurisdiction.

You must not misrepresent your location or use technical means to evade geographic restrictions.

4.3 Application and onboarding information

You must provide complete and accurate information requested during onboarding, including information about your identity, business activity, ownership and control, expected use of the Services, and the source and purpose of funds or virtual assets.

Unified may request supporting documents, conduct checks through service providers, and decline or condition an application. An application is not approved until Unified confirms approval.

4.4 Continuing eligibility and verification

You must promptly update information provided to Unified and respond to requests for additional information or documents. Unified may periodically review your eligibility and may restrict or end access if you no longer meet the requirements, provide inaccurate information, or do not complete a requested review.

Account Security and Authorized Users#

5.1 Customer administration

You may designate Authorized Users and account administrators through the Platform. You are responsible for their authority and activity and must promptly remove access when it is no longer required.

5.2 Credentials and security

You must keep your Credentials confidential, must not share them, and must use reasonable safeguards for the devices, systems, and personnel used to access the Platform. You must follow any authentication or security requirements Unified applies to the Account.

Unified strongly encourages all users to enable two-factor authentication. The Platform is intended to support account recovery and unlocking by passkey, authenticator, or a code sent to a verified contact destination, subject to availability and security checks.

5.3 Instructions and responsibility

Unified may rely on its authentication and verification procedures when processing an Instruction. To the extent permitted by law, you are responsible for activity initiated through your Credentials or by your Authorized Users, except to the extent directly caused by Unified's failure to apply its required security procedures.

5.4 Security incidents

You must promptly notify Unified at [email protected] of any lost or compromised Credential, unauthorized access, or suspicious Account activity. You must cooperate with Unified's investigation and any required security measures.

5.5 Protective measures

Unified may require additional verification, reset Credentials, delay or reject an Instruction, or restrict access where reasonably necessary to protect the Account, the Platform, or any person, or to comply with law or a provider requirement.

Services and Service Providers#

6.1 Core Services

The Core Services are:

1. Virtual Accounts and Fiat Rails: virtual accounts for receiving transactions through supported rails, including ACH, Federal Wire, SEPA, SWIFT, and other available rails;
2. Electronic Wallets and Payment Instruments: electronic wallet services and payment instruments for money transmission and holding fiat in the arrangements described in the applicable Service Schedule;
3. Virtual-Asset Payments: payment and transfer services involving supported virtual assets, including stablecoins, and fiat rails; and
4. Foreign Exchange and Exchange: foreign exchange and exchange between virtual assets, or between virtual assets and fiat currency.

Each Core Service is subject to its applicable Service Schedule.

6.2 Service Providers

Unified may provide a Service directly or arrange it through one or more Service Providers. The provider, custody, settlement, and operational arrangement may differ by Service, rail, currency, virtual asset, or jurisdiction.

A Service Provider may impose additional requirements and may limit, suspend, or discontinue its services. Where a Service Schedule identifies another entity as the contracting provider for a Service, that provider's terms apply to that Service.

Instructions, Processing, and Transaction Finality#

7.1 Submitting Instructions

You may submit an Instruction through the Platform or another method Unified accepts. An Instruction must contain the information and authorization Unified requires. Before submitting it, you must review the destination, amount, currency, virtual asset, network, and beneficiary details. Submission authorizes Unified to process the Instruction.

7.2 Processing

Unified may process an Instruction directly or through a Service Provider. Processing depends on the relevant rail, network, cut-off time, verification, and provider, so displayed processing times are estimates only. Unified may hold, reject, delay, or cancel an Instruction where reasonably necessary for law, compliance, security, error correction, or a rail or provider requirement.

7.3 Accuracy and supported destinations

You are responsible for the accuracy of each Instruction and for using a supported destination, virtual asset, and network. A Transaction sent to an incorrect account, address, asset, or network may be delayed, rejected, or irrecoverable. Unified is not required to recover assets or funds sent using incorrect or unsupported details.

7.4 Cancellation and finality

You may cancel an Instruction before Unified accepts it only where the Platform permits. After an Instruction is submitted to a rail or Service Provider, or a virtual-asset transaction is broadcast to a network, cancellation or reversal may not be possible.

A bank or payment-rail Transaction is final when the relevant rail or provider confirms settlement. An internal transfer is final when posted to the relevant ledger. A virtual-asset Transaction cannot be reversed by Unified once broadcast to the network and is treated as final once the network confirms it and the Platform records completion.

7.5 Returns, reversals, and corrections

Unified may return, reverse, or adjust a Transaction where permitted or required by the relevant rail, Service Provider, law, or to correct an error. If a credited Transaction is later returned or reversed, you authorize Unified to debit the amount and any applicable related costs from your Account. A recall or recovery request may not succeed after funds or virtual assets have been delivered to the recipient.

Client Funds and Virtual Assets#

8.1 Fiat balances

Fiat received or held for you may be placed through a Service Provider in pooled segregated or for-benefit-of accounts, depending on the Fiat Currency, rail, provider, and jurisdiction. The account may be held in the name of Unified or the Service Provider. Your Acepio Account records the balance attributed to you under the applicable Service.

8.2 Account status and safeguarding

An Acepio Account is not a deposit account. No deposit insurance is provided for balances held through the Services, and you must not assume that a balance is insured merely because a Service Provider maintains an account at a bank.

Segregated or for-benefit-of arrangements describe how funds are held operationally. They do not, under the Agreement, grant you a trust, fiduciary, bankruptcy-remote, or preferred claim, or priority over other creditors.

8.3 Virtual-asset custody

Virtual Assets may be held in a Wallet assigned exclusively to you or in a pooled custody Wallet, depending on the Virtual Asset, network, Service Provider, and operational requirements. In a pooled Wallet, your Acepio Account records your balance but does not identify specific on-chain units or a particular blockchain address as belonging to you.

Unless an applicable Service Schedule states otherwise, you will not receive private keys; they may be held by Unified or a Service Provider. You authorize Unified and its Service Providers to move and, where operationally necessary, pool supported Virtual Assets between Wallets.

8.4 Network and custody operations

Virtual Assets are subject to the Supported Assets, Currencies and Networks List and the relevant Service Schedule. Network congestion, protocol changes, forks, address formats, custody controls, and Service Provider requirements may delay, restrict, or prevent a deposit, withdrawal, or other Transaction.

8.5 Claims and insolvency treatment

Your rights to Fiat Currency or Virtual Assets depend on the applicable account, ledger, Wallet, custody, and Service Provider arrangements and on applicable law. If Unified or a Service Provider becomes insolvent, funds or Virtual Assets may be delayed, frozen, or subject to competing claims. The Agreement does not provide special priority or guaranteed recovery.

Fees, Rates, and Limits#

9.1 Transaction, provider, and network fees

Applicable transaction fees will be shown before you confirm a Transaction. By confirming, you authorize Unified to collect the displayed fee from the Transaction, your Account, or another payment method made available to you.

Third-party, correspondent, rail, custody, and network costs may be passed through to you. For Virtual Asset Transactions, Unified may charge a balancing fee for gas or other network costs. Unified may subsidize outgoing Transactions for selected Virtual Assets or networks and may change or discontinue a subsidy.

9.2 Exchange rates

For foreign exchange or Virtual Asset exchange, the rate and amount presented before confirmation may include Unified's spread. The quote may expire or change before execution; the rate and amount shown at confirmation apply to the Transaction.

9.3 Onboarding and account maintenance

At launch, Unified will not charge mandatory onboarding or account-maintenance fees. If Unified introduces either type of fee, it will notify you at least 30 days before the fee takes effect and will apply it prospectively.

9.4 Transaction limits

Unified may set or change limits for an Account, Transaction, Fiat Currency, Virtual Asset, rail, network, provider, or jurisdiction. At launch, Unified has not imposed additional Transaction limits beyond those applicable to the relevant rail, network, provider, Service, or jurisdiction.

Compliance, Sanctions, and Prohibited Activities#

10.1 Compliance and monitoring

You must use the Services only for lawful business purposes and comply with applicable anti-money-laundering, counter-terrorist-financing, sanctions, fraud-prevention, tax, and other laws.

Unified may conduct identity, ownership, sanctions, fraud, source-of-funds, and transaction checks; monitor activity; and request information or documents. You must cooperate and provide information that is complete and accurate.

You must not evade screening, limits, fees, or monitoring, use the Services for an undisclosed third party, or split or structure Transactions to avoid controls.

10.2 Sanctions and jurisdiction controls

You must not use the Services for a transaction involving a person, entity, property, virtual-asset address, or jurisdiction subject to prohibitions applicable to Unified, including applicable U.S. sanctions.

Unified may apply internal risk and jurisdiction controls that are more restrictive than the minimum required by law and may block, hold, reject, return, or restrict a Transaction or Account to comply with law, a Service Provider requirement, or those controls.

10.3 Prohibited activities

You must not use the Services in connection with:

1. adult entertainment;
2. cannabis;
3. donations, charities, or non-profit organizations;
4. flammable or combustible substances, including gasoline, fuel, and other petroleum-based products;
5. gambling, including casinos, online gaming, lotteries, games of chance, and fantasy sports leagues;
6. gift cards;
7. nested payment services;
8. investments or investment opportunities provided to third parties;
9. jewelry, precious metals, or other high-value items; or
10. psychics.

Unified may refuse an activity or transaction that presents a legal, provider, or compliance risk, even if it is not listed above.

Customer Representations and Obligations#

11.1 Authority and capacity

You represent that you have the legal capacity and authority to enter into the Agreement and use the Services. If you act for an organization, it is duly authorized to do so and each person acting for it has appropriate authority.

11.2 Information and cooperation

Information and documents you provide to Unified or a Service Provider must be complete, accurate, and current. You must promptly correct material changes and cooperate with reasonable requests relating to your Account, Services, or Transactions.

11.3 Funds, assets, and Instructions

You represent that you own or are authorized to control the funds and Virtual Assets used through the Services. Your Instructions must be lawful, accurate, and within your authority, and you must not use the Services to conceal the true owner, sender, recipient, or purpose of a Transaction.

11.4 Legal, tax, and third-party obligations

You are responsible for complying with laws, licences, registrations, tax obligations, and third-party rights applicable to your business, Transactions, funds, and Virtual Assets. Unified does not provide legal, tax, accounting, or investment advice.

Suspension, Restrictions, and Termination#

12.1 Suspension and restrictions

Unified may delay, block, reject, reverse, or report a Transaction, and may suspend or restrict an Account, Service, Transaction, or Credentials, where reasonably necessary to comply with law, a Service Provider requirement, or internal risk controls, or to address suspected fraud, unauthorized access, a security incident, a breach of the Agreement, or a failure to provide requested information.

Unified may disclose information to Service Providers, regulators, law enforcement, or other authorities and may be unable to tell you the reason for a restriction or disclosure.

Unified may take these measures without advance notice where notice could violate law, compromise an investigation, or increase risk. Where permitted, Unified will notify you and may request information or steps required to restore access.

12.2 Holds and blocked property

Unified may hold, block, reject, or retain funds or Virtual Assets for the period and in the manner required by law, a regulator, a Service Provider, or a sanctions program. Unified may be unable to return or explain restricted funds or Virtual Assets while a legal or compliance restriction applies.

12.3 Customer termination

You may close your Account by notifying Unified and completing any closure steps it reasonably requires. Closure does not cancel pending Transactions, amounts owed, or obligations that by their nature continue after closure.

12.4 Unified termination

Unified may terminate the Agreement or a Service for convenience by giving 30 days' notice. Unified may terminate immediately or on shorter notice if you breach the Agreement, fail to meet eligibility or compliance requirements, become insolvent, engage in fraud or prohibited activity, or if continued service is not permitted or reasonably practicable because of law, a regulator, a Service Provider, security concerns, or a material operational risk.

12.5 Closure and remaining balances

After closure, Unified will make available any funds or Virtual Assets that are legally and operationally available for withdrawal to a verified destination, subject to pending Transactions, fees, holds, provider requirements, and applicable law. Unified may retain or transfer remaining balances as required by law if you do not provide workable withdrawal instructions.

12.6 Levels of restriction

Restrictions may apply to all or part of an Account, Service, Transaction, Fiat Currency, Virtual Asset, Network, feature, or Authorized User. Depending on the circumstances, Unified may require enhanced verification, limit activity, place an Account in withdrawal-only status, block incoming or outgoing Transactions, suspend access, or terminate the Agreement. Unified need not apply these measures in sequence and may change or lift them when appropriate.

Technology, Networks, and Intellectual Property#

13.1 Platform licence

Subject to the Agreement, Unified grants you a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use the Platform during the term for your internal business purposes.

13.2 Technical restrictions

You must not copy, modify, distribute, sell, lease, reverse engineer, decompile, scrape, interfere with, introduce malicious code into, or bypass the security or limits of the Platform, except to the extent a restriction is prohibited by law.

13.3 Networks and dependencies

The Services depend on the internet, Networks, Service Providers, and other infrastructure that Unified does not control. Congestion, outages, maintenance, protocol changes, forks, provider requirements, or other network events may affect availability, processing, or Transaction results.

You must comply with the rules of any Network used for a Transaction. Network rules may impose requirements or consequences that Unified cannot change or prevent.

13.4 Availability and changes

Unified may maintain, update, modify, limit, or discontinue the Platform or a feature. The Platform may not be continuously available or error-free, and a feature available to one Customer may not be available to another.

13.5 Intellectual property

Unified and its licensors retain all rights in the Platform, software, content, documentation, and Acepio name and marks. Except for the limited licence in this Section, the Agreement does not transfer any intellectual property rights to you.

You may use Unified's or Acepio's name and marks to identify the Services or truthfully describe your relationship with Unified or Acepio, provided that the use is accurate, non-misleading, and does not imply an endorsement, sponsorship, or partnership not stated in the Agreement. Nothing in the Agreement restricts lawful nominative or other fair use. Any other commercial use, or any registration or use of a confusingly similar name, mark, domain, or account handle, requires prior written permission.

13.6 Customer materials

You retain rights in Customer Materials. You grant Unified and its Service Providers the non-exclusive permission to host, copy, process, and display Customer Materials as reasonably necessary to provide and secure the Services, comply with law, and administer the Agreement. You represent that you have the rights needed to grant this permission.

Privacy, Records, Notices, and Communications#

14.1 Privacy Policy

Unified's Privacy Policy applies to personal information processed in connection with the Platform and Services and describes how that information is collected, used, stored, and disclosed.

14.2 Data processing and disclosures

You authorize Unified to collect, use, process, and disclose information as reasonably necessary to open and administer your Account, provide and secure the Services, verify identity and transactions, prevent fraud, comply with law, and work with Service Providers. Information may be processed in jurisdictions outside your own.

14.3 Records and retention

Unified may create and retain records of Accounts, Transactions, communications, onboarding, verification, and Platform access for as long as required by law or reasonably necessary for compliance, security, disputes, and administration. Access to records may be limited by law, confidentiality, or security requirements.

14.4 Electronic communications

You consent to receive the Agreement, disclosures, statements, confirmations, notices, and operational communications electronically through the Platform or at the contact details you provide. Electronic records and signatures have the same effect as paper records where permitted by law. You must maintain access to your Account and contact destinations.

14.5 Notices

Notices to Unified must be sent to the email or mailing address in Section 1.1, unless the Agreement specifies another method. Unified may send notices to your last provided email address, contact destination, or Account, or post them on the Platform. You must keep your contact information current.

Disclaimers, Indemnification, and Limitation of Liability#

15.1 DISCLAIMERS

NO WARRANTY – THE SERVICES, PLATFORM, AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNIFIED DISCLAIMS ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AVAILABILITY, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

Unified does not guarantee that a Service, Fiat Currency, Virtual Asset, Network, provider, or feature will remain available, meet your requirements, or be processed within a particular time. Unified does not provide legal, tax, accounting, investment, or financial advice.

15.2 Indemnification

For this Section, “Unified Parties” means Unified, its affiliates, licensors, officers, directors, employees, agents, and Service Providers and their respective personnel. The Unified Parties are intended third-party beneficiaries of this Section.

You will indemnify, defend, and hold the Unified Parties harmless from claims, losses, liabilities, damages, costs, and reasonable legal fees arising from your breach of the Agreement, unlawful or prohibited use of the Services, fraud, negligence, Instructions, Customer Materials, or violation of a third party's rights.

Unified will give reasonable notice of a claim and may control its defense. You may not settle a claim in a way that admits fault by, or imposes an obligation on, a Unified Party without that party's written consent. This indemnity does not apply to the extent a claim is caused by a Unified Party's fraud, gross negligence, or willful misconduct.

15.3 LIMITATION OF LIABILITY

IMPORTANT – LIMITATION OF LIABILITY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NO UNIFIED PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, BUSINESS, GOODWILL, OPPORTUNITY, DATA, OR ANTICIPATED SAVINGS, ARISING OUT OF OR RELATING TO THE AGREEMENT OR THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF THOSE DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF THE UNIFIED PARTIES ARISING OUT OF OR RELATING TO THE AGREEMENT OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE FEES PAID OR PAYABLE BY YOU TO UNIFIED DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) USD 10,000.

The exclusions and cap do not apply to liability that cannot lawfully be limited or to a Unified Party's fraud, gross negligence, or willful misconduct. They do not limit your obligation to pay amounts properly due under the Agreement.

Complaints, Errors, and Unauthorized Transactions#

16.1 Complaints

Guidance for submitting a complaint is available at acepio.com/complaints. A complaint should identify your Account and the Service or Transaction involved and include enough information for Unified to review the issue.

16.2 Errors and unauthorized activity

Notify Unified promptly at [email protected] if you believe that your Account, Credentials, or Wallet has been accessed without authorization, a Transaction was not authorized by you, or a balance, Transaction, fee, or other Service record contains an error. Provide relevant details, secure your Account, and cooperate with reasonable requests for information. Prompt notice may be required to preserve rights or reduce loss.

16.3 Review and resolution

Unified may investigate a complaint, error, or unauthorized activity, request supporting records, consult Service Providers and relevant payment or blockchain Networks, and correct, reverse, or return a Transaction where permitted. Timing and outcome may depend on applicable law, rail or Network rules, provider processes, and the information available. Unified may provide status or outcome through the Platform or your contact destination, but may withhold information that it cannot lawfully disclose. Nothing in this Section limits rights or remedies that cannot lawfully be waived.

Governing Law, Arbitration, and General Provisions#

17.1 Governing law

The Agreement and any dispute arising out of or relating to it or the Services are governed by the laws of the State of Montana, United States of America, without regard to conflict-of-laws rules.

17.2 Binding arbitration

Subject to Section 17.3, any dispute, claim, or controversy arising out of or relating to the Agreement or the Services, including their formation, validity, interpretation, performance, or termination, will be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration will be conducted in English by one arbitrator appointed under those Rules. Judgment on the award may be entered in any court with jurisdiction.

17.3 Class and representative proceeding waiver

To the maximum extent permitted by law, each dispute may be brought only on an individual basis. Neither you nor Unified may participate in or bring a class, collective, consolidated, or representative action, including a private-attorney-general action, and the arbitrator may not combine claims or award relief to anyone who is not a party to the arbitration. If a court determines that this waiver is unenforceable for a particular claim, that claim will proceed in court and the remaining claims will remain subject to arbitration to the extent permitted by law.

17.4 Force majeure

Neither party is liable for delay or failure to perform an obligation, other than an obligation to pay an amount that became due before the event, caused by circumstances beyond its reasonable control. These circumstances may include natural disasters, war, terrorism, civil unrest, sanctions or embargoes, governmental action or changes in law, labor disputes, power or communications outages, cyberattacks, and failures, congestion, or changes affecting payment rails, Networks, banks, custodians, exchanges, or other Service Providers. The affected party will take reasonable steps to resume performance.

17.5 Assignment

You may not assign, delegate, or transfer the Agreement or any right or obligation under it without Unified's prior written consent. Unified may assign, delegate, or transfer the Agreement or any Service, including to an affiliate, successor, or other licensed or authorized provider, without your consent and may identify that provider as the contracting provider in a Service Schedule or notice. An assignment does not affect rights or obligations that accrued before it.

17.6 Severability, waiver, and survival

If a provision of the Agreement is unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain effective. A failure or delay in enforcing a provision is not a waiver of future enforcement, and a waiver must be in writing. Provisions that by their nature should continue, including payment obligations, records, intellectual property, indemnification, limitations of liability, and dispute-resolution provisions, survive termination or closure.

17.7 Entire agreement and relationship

The Agreement is the entire agreement between you and Unified concerning the Services and supersedes prior or contemporaneous communications on that subject. Except as expressly stated in a Service Schedule, it does not create a partnership, joint venture, employment, or agency relationship, and neither party may bind the other. No person other than the parties has rights under the Agreement, except as expressly stated, including the Unified Parties' rights under Section 15.2. The English version controls any translation.

Schedule A – Virtual Accounts and Fiat Payment Rails#

This Schedule forms part of the Agreement and applies to the Virtual Accounts and Fiat Rails Core Service. Capitalized terms not defined in this Schedule have the meanings given in the Master Terms.

A.1 Scope and provider role

For this Schedule, a “Virtual Account” means the account details or receiving arrangement made available to you for receiving supported Fiat Currency through a supported rail. Unified is the customer-facing intermediary and contractual counterparty for this Schedule. Unified may arrange the Virtual Account and related rail services through banks, payment institutions, and other Service Providers. The Service Provider may differ by Customer, Fiat Currency, rail, jurisdiction, or Transaction, and no Service Provider is identified by name in this Schedule.

A.2 Supported currencies and rails

Virtual Accounts are currently available in USD and EUR. USD Virtual Accounts currently support ACH and Federal Wire. EUR Virtual Accounts currently support SEPA and SEPA Instant. Availability remains subject to onboarding, geographic and regulatory requirements, provider approval, and operational availability.

A.3 Permitted use

You may use a Virtual Account only to receive payments arising from your own commercial or professional activity. Virtual Accounts are not for personal, family, household, charitable, or nonprofit use, and you must not permit undisclosed third-party use. You must provide accurate business information.

A.4 Account instructions and limits

Payment instructions, account details, cut-off times, beneficiary information, and potential limits vary by Service Provider, Fiat Currency, rail, jurisdiction, and Transaction and will be shown on your Account dashboard. You must follow the current instructions shown for the relevant Virtual Account. Using incomplete, outdated, or incorrect instructions may cause a payment to be delayed, rejected, returned, or otherwise unavailable.

A.5 Receipt and electronic-wallet credit

Funds transferred to a Virtual Account are subject to Section 8 (Customer Fiat Funds and Virtual Assets). Once accepted for credit, transferred funds will be deposited into the electronic wallet in the form of payment instruments and recorded as the corresponding balance in your Acepio Account. Schedule B governs the holding, use, transfer, and withdrawal of that balance. A credit may be held, adjusted, or reversed if the relevant rail or Service Provider does not finally settle the payment, returns or recalls it, identifies an error, or requires action under law or its risk controls.

A.6 Outbound fiat transfers

You may initiate an outbound Fiat Currency transfer from an available electronic-wallet balance to a supported beneficiary through a supported rail. The transfer is subject to the payment instructions, verification, cut-off times, limits, fees, and other requirements shown on the Platform or Account dashboard. Section 7 governs processing, cancellation, finality, returns, reversals, and corrections.

A.7 Provider and rail requirements

A Service Provider or rail may impose additional requirements, delay or reject a payment, return funds, limit or discontinue a currency or rail, or change its processing arrangements. Unified may update dashboard instructions, change the Service Provider or rail, or restrict or suspend the Service in accordance with the Agreement. Fees and pass-through charges are governed by Section 9 and will be shown before confirmation where applicable.

Schedule B – Electronic Wallet, Payment Instruments, and Safeguarding#

This Schedule forms part of the Agreement and applies to the Electronic Wallets and Payment Instruments Core Service. Capitalized terms not defined in this Schedule have the meanings given in the Master Terms.

B.1 Scope and provider role

For this Schedule, an “Electronic Wallet” is the ledger facility in the Acepio Account that records supported Payment Instruments and balances. Unified is the primary provider of the Electronic Wallet and Payment Instrument Service. Unified may use banks, payment institutions, custodians, exchanges, and other Service Providers for account holding, settlement, custody, processing, or related functions. The relevant arrangement may differ by Fiat Currency, Virtual Asset, Network, jurisdiction, or Customer, and no Service Provider is identified by name in this Schedule.

B.2 Supported wallet balances

The Electronic Wallet currently supports the following balances. Any listed balance may be exchanged for another listed balance where the relevant pair is offered, subject to Schedule D:

1. USD and EUR, which are linked to and may be credited through Virtual Accounts under Schedule A;
2. BDT, which may be obtained through exchange rather than through the Virtual Accounts currently described in Schedule A; and
3. USDT, USDC, and PYUSD as supported Virtual Assets, subject to the supported Networks and chains shown in the Supported Assets, Currencies and Networks List and Schedule C.

Support for a currency, Virtual Asset, Network, or wallet feature remains subject to availability, approval, applicable law, provider requirements, and the Platform or Account dashboard.

B.3 Payment instruments and permitted wallet use

A Payment Instrument under this Schedule is a ledger-based wallet balance representing the amount attributed to you in the Acepio Account and the open-ended safeguarding arrangements described in Section 8.

You may use a wallet balance only through the features made available for the relevant Fiat Currency or Virtual Asset, including holding, internal transfer, exchange, or withdrawal where enabled by the applicable schedule.

B.4 Funding, exchange, and wallet operations

USD and EUR may be credited through Virtual Accounts under Schedule A. The Exchange Service may convert any supported wallet balance into another supported wallet balance where the relevant pair is offered, including BDT. USDT, USDC, and PYUSD may also be credited through supported Virtual Asset activity where enabled. Exchange transactions are subject to Schedule D, and Virtual Asset deposits and withdrawals are subject to Schedule C.

The Platform will show the wallet features and destinations available for each balance. A balance is available for use only when credited to the Acepio Account and may be held, adjusted, or reversed as permitted by the Agreement, an applicable rail or Network, or a Service Provider requirement.

B.5 Internal transfers

You may transfer a supported wallet balance to another Acepio user. If no pre-screening issue is identified, an internal transfer is executed instantly and is final when posted to the recipient's Acepio Account. No fee or transaction limit currently applies to internal transfers; the Agreement's legal, compliance, security, and suspension controls continue to apply. Section 7 governs internal-transfer finality.

B.6 Safeguarding and custody

Fiat wallet balances are held and recorded under the arrangements described in Section 8, which may include pooled segregated or for-benefit-of accounts through a Service Provider. Fiat wallet balances are not deposit-insured, and the Agreement does not grant a special creditor priority or guaranteed recovery. Virtual Asset balances are subject to the custody arrangements and limitations in Section 8 and Schedule C.

Schedule C – Virtual-Asset Payments, Custody, and Networks#

This Schedule forms part of the Agreement and applies to Virtual-Asset deposits, withdrawals, custody, and transfers through supported Networks. Internal transfers between Acepio users are governed by Schedule B, and exchange transactions are governed by Schedule D. Capitalized terms not defined in this Schedule have the meanings given in the Master Terms.

C.1 Scope and provider role

Unified is the primary provider of the Virtual-Asset Payments Service. Unified may use custodians, exchanges, blockchain infrastructure providers, and other Service Providers for custody, settlement, processing, or related functions. The relevant arrangement may differ by Virtual Asset, Network, jurisdiction, or Customer, and no Service Provider is identified by name in this Schedule.

C.2 Supported Virtual Assets and Networks

The Virtual Assets currently supported under this Schedule include USDT, USDC, and PYUSD. Each asset is available only on the Networks and chains shown in the Supported Assets, Currencies and Networks List. Support may vary by asset, Network, jurisdiction, provider, feature, or Customer and may be added, limited, suspended, or discontinued.

You must select the exact Virtual Asset and Network shown for the relevant deposit or withdrawal. An asset or Network designation is not interchangeable with another designation merely because the asset has the same name or is issued on multiple Networks.

C.3 Virtual-Asset deposits and withdrawals

You may deposit a supported Virtual Asset from an external wallet to the deposit address and, where applicable, tag or memo shown on the Platform. A deposit is credited only after the relevant Network confirmations, provider processing, and required compliance checks. A deposit sent to an incorrect address, unsupported asset, unsupported Network, or missing or incorrect tag or memo may be delayed, rejected, lost, or unrecoverable, and Unified is not required to recover it.

Unified may hold a deposit or delay crediting while it completes verification, risk, sanctions, or other compliance procedures. A transaction shown on a blockchain explorer is not necessarily credited to your Acepio Account or available for use.

You may request a withdrawal of an available Virtual Asset to a supported external address on a supported Network. You are responsible for the destination address, Network, tag or memo, and other withdrawal details. A withdrawal may require verification, pre-screening, confirmations, or other steps and may be delayed, rejected, or held under the Agreement, applicable law, or a Service Provider requirement.

Once a withdrawal is broadcast to the Network, it generally cannot be cancelled or reversed by Unified. The withdrawal is treated as final when the Network confirms it and the Platform records completion, subject to corrections or reversals required by law or a Service Provider.

C.4 Custody and wallet arrangements

Virtual Assets may be held in a Wallet assigned exclusively to you or in a pooled custody Wallet, depending on the Virtual Asset, Network, Service Provider, and operational requirements. In a pooled Wallet, your Acepio Account records your attributed balance but does not identify specific on-chain units or a particular blockchain address as belonging to you.

Unless an applicable schedule states otherwise, you will not receive private keys. Unified or a Service Provider may hold the keys and may move, consolidate, or pool Virtual Assets between Wallets as reasonably necessary for custody, settlement, security, or operations. The customer-asset treatment and custody limitations in Section 8 apply.

C.5 Network operations, fees, and related risks

Network congestion, confirmations, gas requirements, protocol changes, forks, reorganizations, address formats, issuer controls, or other Network or provider events may delay, restrict, or prevent a deposit or withdrawal. A Virtual Asset, including a stablecoin, may lose value, fail to maintain a reference value, or become subject to issuer, Network, or regulatory restrictions. Unified does not guarantee continued support, redemption, availability, or value.

Network, provider, and other third-party fees may be passed through under Section 9. Unified may charge a balancing fee for gas and may subsidize outgoing Transactions on selected Networks or Virtual Assets. Any applicable fee will be shown before confirmation where practicable. Internal transfers and exchanges remain subject to Schedules B and D.

Schedule D – Foreign Exchange and Virtual-Asset Conversion#

This Schedule forms part of the Agreement and applies to foreign exchange and exchange between supported Fiat Currencies and Virtual Assets, including Virtual Asset-to-Virtual Asset conversions. Capitalized terms not defined in this Schedule have the meanings given in the Master Terms.

D.1 Scope and provider role

Unified is the primary provider of the Foreign Exchange and Exchange Service. Unified may use liquidity providers, exchanges, custodians, banks, payment institutions, and other Service Providers for pricing, execution, settlement, or related functions. The relevant arrangement may differ by currency, Virtual Asset, Network, jurisdiction, or Customer, and no Service Provider is identified by name in this Schedule.

D.2 Supported balances and pairs

The Exchange Service may convert any supported wallet balance into another supported wallet balance where the relevant pair is offered. Supported balances currently include USD, EUR, BDT, USDT, USDC, and PYUSD, subject to the availability shown on the Platform, applicable schedules, and the Supported Assets, Currencies and Networks List. Not every pair, direction, amount, or settlement method will necessarily be available at all times.

D.3 Quotes and confirmation

To request an exchange, you must select the source balance, destination balance, and amount or other information the Platform requires. Before confirmation, the Platform will show the applicable exchange quote and any transaction-specific fee. Any foreign-exchange or conversion spread is included in the quoted rate. A quote may be time-limited, and the Platform may require a new quote before confirmation.

Your confirmation authorizes Unified or the relevant Service Provider to debit the source balance and execute the exchange. An exchange may be declined, delayed, or requoted if the quote expires, liquidity or provider conditions change, required information is unavailable, or a legal, compliance, security, or operational restriction applies.

D.4 Execution and settlement

When an exchange is executed, the source balance is debited and the resulting balance is credited to the Electronic Wallet or other destination shown on the Platform. Processing time depends on the relevant market, provider, Network, and operational conditions. If an exchange involves a Virtual Asset deposit, withdrawal, or Network transaction, Schedule C and the processing and finality provisions of Section 7 also apply.

Cancellation or reversal may not be possible after execution. Unified may correct or reverse an exchange where permitted or required by the Agreement, applicable law, a Service Provider, or to correct an error.

D.5 Market and service risks

Exchange rates and Virtual Asset values can change rapidly. Unified does not guarantee that a quoted rate will be the best available rate, that a pair will remain available, or that an exchange will produce a profit or preserve value. Liquidity constraints, market disruption, provider failure, Network events, issuer controls, or regulatory restrictions may affect execution, settlement, availability, or value. Unified does not provide investment or financial advice.