Terms of Service

1. Definitions

2. Company Information

3. Scope of Services

Coinexus offers OTC exchange services exclusively to verified institutional and corporate clients:

• Crypto-to-fiat and fiat-to-crypto OTC transactions
• Bank transfers only to accounts held in the client's name

Coinexus does not provide:

• Retail exchange services
• Wallets or custody
• Trading platforms
• Investment products or advisory
• Payment services
• Automated trading tools

4. Eligibility

Service is limited strictly to:

• Fully verified clients
• Professional or institutional profiles
• Non-sanctioned individuals/entities
• Clients outside prohibited jurisdictions
• Clients who pass Source-of-Funds / Source-of-Wealth checks

Minors and anonymous users are not accepted.

5. AML/KYC Requirements

As a regulated VASP, Coinexus conducts:

• Government-issued ID verification
• Proof of address (not older than 3 months)
• Sanctions & PEP screening (Allpass.ai)
• Source-of-Wealth verification where required
• Enhanced Due Diligence for high-risk profiles
• Ongoing monitoring of client activity

Coinexus may decline or suspend service to comply with AML/CTF obligations.

6. Prohibited Activities

Clients may not use Coinexus services for:

• Money laundering or terrorism financing
• Sanctions evasion
• Fraud, financial crime, or illicit transactions
• Darknet-related activity
• Mixing/tumbling services
• Unlicensed gambling
• Shell-banking or fraudulent identities

Suspicious activity may be reported to GIIF.

7. Transaction Execution

• Transactions are executed only after compliance approval.
• Timing depends on banking institutions and blockchain networks.
• Coinexus is not responsible for delays caused by third-party providers.

8. Refund Policy

Coinexus operates exclusively as an OTC (Over-the-counter) crypto–fiat exchange service.

All transactions are executed only after the client's explicit confirmation.

Refunds are not applicable once a transaction is completed, as crypto-asset transfers are irreversible.

However, in the event of:

• a technical error on our side,
• an incorrect amount received due to a proven system failure,
• or a duplicate transaction,

Coinexus will review the case and, if applicable, process a refund according to internal AML/CTF and compliance procedures.

Any refund (if approved) will be sent only to the verified bank account or wallet belonging to the same client.

For questions or assistance, please contact: support@coinexus.vip

9. Liability

Services are provided "as-is."
Coinexus is not liable for:

• Indirect or consequential losses
• Market volatility
• Blockchain network congestion
• Banking system delays
• Failures of third-party providers

10. Data Protection (GDPR Compliance)

Coinexus processes personal data solely for:

• Regulatory compliance
• AML/KYC obligations
• Contractual execution

Data retention: minimum 5 years (mandatory under AML law).
Clients may exercise GDPR rights insofar as they do not conflict with AML regulation.

11. Professional Client Acquisition Policy

Coinexus does not conduct:

• Public advertising
• Retail marketing
• Social-media campaigns
• Mass client solicitation

Clients are onboarded only via direct introductions, professional referrals, and institutional networks.

12. Law & Jurisdiction

These Terms are governed by Polish law.
All disputes shall be resolved by the competent courts in Poland.

13. Complaints

Email: compliance@coinexus.vip
Acknowledgment: 2 business days
Resolution: up to 14 business days.

14. Contact

info@coinexus.vip
support@coinexus.vip
compliance@coinexus.vip