Terms of Service

By accessing, browsing, registering for, transacting through, integrating with, relying on, or otherwise using any part of the Services, you agree to be bound by these Terms and any policies, notices, risk disclosures, transaction terms, fee disclosures, or other terms incorporated by reference.

If you use the Services on behalf of a business, company, organization, or other entity, you represent and warrant that you have full authority to bind that entity to these Terms. In that case, “you” and “your” refer to both you and the entity you represent.

Black Vault reserves the right to deny, restrict, suspend, terminate, or refuse access to any person or entity at any time, with or without notice, where Black Vault determines that access may create operational, legal, reputational, financial, security, compliance, platform, or business risk.

Black Vault may provide or support digital asset payment flows, merchant settlement features, virtual card-related functions, swap-related tools, partner access, transaction routing, payment links, platform dashboards, fee calculation, settlement displays, and related operational systems.

Black Vault is not a bank. Black Vault does not represent itself as a bank. Black Vault does not guarantee the availability, value, legality, liquidity, settlement speed, reversibility, approval, completion, or performance of any digital asset, payment method, blockchain network, card-related function, swap function, transaction route, settlement route, platform display, or Service.

The Services may change at any time. Black Vault may modify, suspend, restrict, discontinue, replace, remove, limit, or refuse any feature, function, flow, tool, asset, payment option, card-related option, swap-related option, route, integration, or supported service at its sole discretion.

You must be at least 18 years old and legally capable of entering into binding agreements to use the Services.

You have full legal authority to enter into these Terms.

Your use of the Services is lawful in every jurisdiction that applies to you.

You are not prohibited from using the Services under any applicable law, sanctions program, court order, regulatory restriction, contractual restriction, or other binding obligation.

You will not use the Services for unlawful, deceptive, abusive, fraudulent, prohibited, restricted, or harmful activity.

All information you provide to Black Vault is accurate, current, complete, and not misleading.

You are solely responsible for determining whether the Services are suitable and lawful for your intended use.

Black Vault may request information, restrict access, reject activity, suspend use, terminate access, or refuse service where it determines that eligibility, authority, risk, compliance, user conduct, or platform integrity is in question.

Black Vault may charge service fees, platform fees, transaction fees, percentage-based fees, fixed fees, spread-based fees, markup fees, settlement fees, card-related fees, swap-related fees, partner fees, access fees, review fees, or other charges connected to the Services.

Fees may be displayed through the website, platform, transaction flow, quote screen, invoice, payment page, dashboard, agreement, confirmation screen, communication, or other official Black Vault channel.

You authorize Black Vault, and any operational system, payment route, settlement route, card route, swap route, liquidity route, account route, transaction route, infrastructure, mechanism, or service process used in connection with the Services, to calculate, collect, deduct, withhold, reconcile, display, convert, or otherwise process applicable fees directly from settlement amounts, transaction amounts, balances, proceeds, deposits, payouts, card-related amounts, swap-related amounts, or other amounts connected to the Services.

Fees are non-refundable unless Black Vault determines otherwise in its sole discretion. Black Vault may modify fees at any time. Your continued access to or use of the Services after a fee change means you accept the updated fee structure.

Currency and asset displays are provided for calculation, reference, settlement display, user interface, transaction quoting, operational accounting, or platform functionality only. No display, quote, denomination, balance, estimate, settlement value, or transaction reference creates a guarantee of payment, redemption, custody, settlement, replacement, reimbursement, or liability based on the displayed value.

No currency or asset display creates a banking relationship, custodial relationship, securities relationship, money-transmission relationship, foreign-exchange relationship, fiduciary relationship, or voluntary submission to the laws, courts, agencies, regulators, monetary authority, or jurisdiction of any country, issuer, blockchain network, or authority associated with that currency, asset, or unit.

You may not use the Services for any unlawful, restricted, abusive, deceptive, harmful, unauthorized, or prohibited purpose.

Violating any law, regulation, order, directive, sanctions restriction, court order, contractual obligation, or legal obligation that applies to you.

Fraud, theft, deception, misrepresentation, payment abuse, chargeback abuse, identity abuse, account abuse, transaction laundering, or unauthorized transaction activity.

Money laundering, terrorist financing, sanctions evasion, corruption, bribery, tax evasion, human trafficking, or activity involving proceeds of unlawful conduct.

Sale, purchase, facilitation, promotion, or settlement of illegal goods or services.

Unauthorized access, credential abuse, phishing, malware, bot abuse, scraping, denial-of-service activity, interference with platform security, or attempts to bypass technical controls.

Misrepresenting your identity, business, location, ownership, authority, transaction purpose, transaction recipient, source of funds, or intended use of the Services.

Using the Services in any manner that Black Vault determines may create operational, legal, regulatory, financial, reputational, security, fraud, compliance, enforcement, or platform risk.

Black Vault determines, in its sole discretion, whether activity violates these Terms or threatens the Services.

Black Vault reserves the right to deny, restrict, suspend, terminate, delay, cancel, reverse, block, review, hold, reject, or refuse access to the Services, in whole or in part, at any time, with or without notice, where Black Vault determines such action is necessary or appropriate.

Black Vault may take such action to protect the Services, enforce these Terms, comply with binding obligations, prevent fraud, manage risk, respond to security concerns, preserve platform integrity, investigate activity, protect users, protect Black Vault’s rights, or defend Black Vault’s legal position.

Black Vault is not liable for any loss, delay, damage, missed opportunity, failed transaction, unavailable feature, suspended access, restricted account, declined transaction, canceled activity, held transaction, rejected request, discontinued service, or unavailable route resulting from any action taken under this section.

You are solely responsible for your own activity, devices, wallets, credentials, accounts, private keys, recovery phrases, passwords, transaction decisions, business decisions, tax obligations, legal obligations, regulatory obligations, and security practices.

You are solely responsible for confirming wallet addresses, transaction details, payment amounts, blockchain networks, asset types, recipient information, card-related activity, swap-related activity, settlement instructions, fees, and supported routes before initiating any activity.

Digital asset transactions may be irreversible. Black Vault is not responsible for losses caused by incorrect wallet addresses, wrong networks, user error, wallet compromise, exposed credentials, phishing, malware, device compromise, network delays, blockchain congestion, failed transactions, delayed settlements, rejected activity, unavailable routes, unsupported assets, or actions outside Black Vault’s control.

All Black Vault names, marks, logos, designs, software, interfaces, systems, workflows, text, graphics, branding, trade dress, platform structure, content, code, forms, layouts, dashboards, and related materials are owned by or licensed to Black Vault.

You may not copy, reproduce, distribute, modify, reverse engineer, scrape, mirror, resell, exploit, extract, frame, imitate, or create derivative works from the Services without Black Vault’s prior written consent. No right, title, or interest in the Services is transferred to you.

The Services are provided “as is” and “as available.”

Black Vault makes no warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, security, reliability, uninterrupted operation, error-free performance, successful transaction completion, settlement timing, asset availability, card availability, route availability, swap availability, or platform compatibility.

Black Vault does not guarantee that any transaction, settlement, card-related function, swap-related function, asset, payment method, blockchain network, integration, route, quote, display, or platform feature will be available, successful, timely, reversible, profitable, compliant for your specific use, accepted by any person, or free from loss. You use the Services at your own risk.

To the fullest extent permitted by law, Black Vault and its owners, officers, directors, members, managers, employees, contractors, agents, affiliates, successors, assigns, licensors, infrastructure operators, and service participants shall not be liable for any indirect, incidental, special, consequential, exemplary, punitive, enhanced, lost-profit, lost-revenue, lost-data, business-interruption, reputational, transactional, blockchain-related, wallet-related, card-related, settlement-related, swap-related, liquidity-related, market-related, asset-value-related, access-related, route-related, security-related, regulatory-related, operational, technical, account-related, credential-related, platform-related, or opportunity-based damages arising out of or relating to the Services, these Terms, the Privacy Policy, any transaction, any settlement, any quote, any displayed value, any supported asset, any supported currency, any supported route, or any user activity.

Black Vault shall not be liable for the face value, market value, replacement value, appreciation, depreciation, lost upside, lost yield, lost opportunity, lost access, lost liquidity, failed settlement value, failed swap value, failed card value, failed wallet value, failed transaction value, failed payout value, failed quote value, delayed transaction value, rejected transaction value, unavailable route value, or alleged equivalent value of any fiat currency, digital asset, token, coin, stable-value unit, payment method, blockchain transaction, card transaction, swap, settlement, payout, wallet, account, balance, quote, route, display, or transaction reference.

Black Vault’s total liability to you for all claims arising out of or relating to the Services shall not exceed the service fees actually received and retained by Black Vault from you for the specific transaction or activity giving rise to the claim.

If Black Vault received and retained no service fee for the specific transaction or activity giving rise to the claim, Black Vault’s total liability for that claim shall be zero to the fullest extent permitted by law.

No claim may be calculated by reference to the face value, market value, replacement value, alleged expected value, notional value, asset value, quoted value, displayed value, settlement value, projected value, future value, opportunity value, or network value of any transaction, currency, token, coin, asset, card activity, swap activity, payout, quote, balance, display, or blockchain activity.

This limitation applies regardless of legal theory, whether contract, tort, negligence, strict liability, statute, equity, restitution, unjust enrichment, fiduciary theory, consumer protection theory, data protection theory, regulatory theory, enforcement theory, bailment theory, custody theory, agency theory, constructive trust theory, or otherwise, and even if Black Vault has been advised of the possibility of such damages. Where any limitation of liability is restricted by mandatory law, this section applies to the maximum extent permitted by law.

You acknowledge and agree that use of the Services involves inherent risk. You alone assume all risk associated with digital assets, blockchain networks, payment methods, settlement routes, virtual card activity, swap activity, wallet activity, transaction routing, pricing, volatility, liquidity, network congestion, custody choices, private key management, device security, credential security, regulatory uncertainty, and business decisions connected to your use of the Services.

You acknowledge that Black Vault does not control blockchain networks, asset values, wallet security, market conditions, external user conduct, network fees, transaction confirmation times, rejected transactions, unsupported assets, user-input errors, wallet compromise, account compromise, device compromise, or any external condition outside Black Vault’s direct control.

Before bringing, filing, initiating, threatening, publishing, escalating, submitting, or maintaining any claim, dispute, demand, proceeding, complaint, chargeback-related action, arbitration, court action, regulatory submission, public allegation, or other adversarial action against Black Vault, you must first deliver a complete written notice to contact@blackvault.solutions.

The notice must include your full legal name and business name if applicable, the email address, wallet address, transaction identifier, account reference, or platform identifier connected to the activity, the specific transaction or event at issue, the exact factual basis, the specific amount claimed, the specific legal basis, all supporting documents and evidence, and a written certification that the claim is complete, accurate, made in good faith, and not submitted for harassment, leverage, reputational harm, commercial pressure, extortion, retaliation, public coercion, or improper purpose.

Black Vault shall have a minimum investigation and cure period of ninety days after receiving a complete written notice. No claim may be filed, initiated, escalated, submitted, published, threatened, pursued, or maintained unless and until the notice-and-cure period has fully expired.

Failure to comply with this section is a material breach of these Terms and shall operate as a complete bar to any claim to the maximum extent permitted by law.

Any dispute, claim, controversy, demand, chargeback-related dispute, complaint, proceeding, or cause of action arising out of or relating to Black Vault, the Services, these Terms, the Privacy Policy, any transaction, any settlement, any payment flow, any card-related activity, any swap-related activity, any account access, any platform decision, any displayed value, or any alleged loss shall be resolved exclusively through confidential binding arbitration seated in Nevis, St. Kitts & Nevis, unless Black Vault elects otherwise in writing.

The arbitration shall be conducted on an individual basis only. No class action, collective action, mass arbitration, representative action, consolidated action, private attorney general action, group proceeding, public-interest proceeding, coordinated proceeding, coordinated filing, coordinated demand, or coordinated claim campaign is permitted.

You waive any right to trial by jury, public court proceeding, class proceeding, collective proceeding, representative proceeding, consolidated proceeding, mass arbitration, public injunction, public relief, or equivalent procedure to the maximum extent permitted by law.

The arbitrator shall have no authority to award damages, remedies, relief, fees, costs, penalties, injunctions, restitution, disgorgement, public relief, asset-value damages, punitive damages, consequential damages, or amounts excluded or limited by these Terms.

All arbitration filings, submissions, evidence, testimony, communications, negotiations, awards, settlement discussions, and related materials shall be confidential, except to the extent disclosure is required by mandatory law or necessary to enforce an arbitration award.

You may not publish, publicize, threaten, disclose, circulate, weaponize, monetize, or use any dispute, claim, proceeding, demand, allegation, notice, communication, arbitration material, or platform disagreement for reputational pressure, public leverage, harassment, extortion, commercial coercion, retaliation, or improper purpose.

Nothing in these Terms limits Black Vault’s right to seek injunctive relief, emergency relief, asset preservation, enforcement, collection, protective remedies, or other relief in any jurisdiction where Black Vault determines such action is necessary.

These Terms, the Services, the Privacy Policy, and any dispute, claim, controversy, demand, proceeding, or cause of action arising out of or relating to Black Vault shall be governed by and construed in accordance with the laws of Nevis, St. Kitts & Nevis, without regard to conflict-of-law principles.

To the fullest extent permitted by law, you agree that any dispute arising out of or relating to these Terms, the Services, your access to Black Vault, or any transaction connected to Black Vault shall be brought exclusively in the courts or arbitration forum designated by Black Vault in Nevis, St. Kitts & Nevis.

You waive any objection to jurisdiction, venue, inconvenient forum, service of process, forum non conveniens, conflict of laws, or similar defense to proceedings brought in Nevis, St. Kitts & Nevis.

Where mandatory law in another jurisdiction cannot be waived or displaced, these Terms shall apply to the maximum extent permitted by law. Black Vault does not voluntarily submit to any jurisdiction, regulator, tribunal, forum, venue, authority, law, rule, standard, procedure, or dispute mechanism beyond what is legally required by mandatory applicable law.

The use, display, reference, quotation, conversion, settlement calculation, or denomination of any currency, asset, unit, symbol, payment method, blockchain network, transaction route, transaction value, domain, server location, interface, language, payment reference, user location, or access point within the Services shall not alter the governing law, jurisdiction, venue, forum, arbitration, or dispute-resolution provisions of these Terms.

To the fullest extent permitted by law, any claim, dispute, demand, proceeding, complaint, chargeback-related action, arbitration, court action, regulatory submission, or cause of action arising out of or relating to the Services must be brought within ninety days after the event giving rise to the claim. Any claim not brought within that period is permanently barred, except where mandatory law prohibits such limitation.

You waive any right to set off, withhold, claw back, reverse, dispute, suspend, or offset amounts owed to Black Vault except to the extent prohibited by mandatory law.

Any chargeback, reversal, dispute, complaint, payment obstruction, settlement interference, or adverse payment action submitted without a complete good-faith basis, without compliance with the pre-claim notice procedure, or for purposes of pressure, leverage, retaliation, reputational harm, public coercion, or commercial coercion constitutes a material breach of these Terms.

Black Vault reserves the right to recover fees, costs, losses, investigation expenses, operational expenses, legal expenses, enforcement expenses, arbitration expenses, and platform damages arising from any improper dispute, chargeback, reversal, withholding, or payment interference.

You agree not to use complaints, disputes, chargebacks, public statements, regulatory submissions, social media activity, reviews, messages, allegations, threats, or communications as a means of harassment, extortion, reputational pressure, commercial coercion, retaliation, leverage, or bad-faith negotiation against Black Vault.

You may not publish, threaten, circulate, amplify, weaponize, or coordinate false, misleading, incomplete, defamatory, abusive, malicious, or bad-faith statements concerning Black Vault, the Services, any transaction, any platform decision, any dispute, or any alleged loss.

Nothing in this section prevents a truthful statement required by mandatory law. However, any knowingly false, materially misleading, extortionate, harassing, retaliatory, or bad-faith communication shall constitute a material breach of these Terms.

If Black Vault determines, or if any arbitrator, court, authority, or decision-maker determines, that any claim, complaint, chargeback, demand, notice, proceeding, allegation, dispute, publication, communication, escalation, review, report, or submission by you is false, misleading, incomplete, abusive, duplicative, frivolous, retaliatory, extortionate, reputationally coercive, commercially coercive, harassing, or brought in bad faith, Black Vault reserves the right to seek recovery of its attorneys’ fees, costs, investigation expenses, operational expenses, enforcement expenses, arbitration expenses, platform expenses, and any damages or losses caused by such conduct.

Black Vault retains final authority over access, eligibility, risk controls, transaction review, supported routes, supported assets, supported payment methods, fee calculation, account status, settlement displays, card-related access, swap-related access, partner access, operational controls, and platform integrity decisions.

Black Vault may make operational decisions based on risk, security, compliance, abuse prevention, infrastructure availability, legal exposure, business judgment, or platform integrity. You acknowledge that Black Vault’s operational decisions are final unless Black Vault determines otherwise in writing.

No platform decision creates a right to access, settlement, reimbursement, replacement, damages, continued service, route availability, asset availability, card availability, swap availability, account restoration, or feature availability.

You agree to defend, indemnify, and hold harmless Black Vault and its owners, officers, directors, members, employees, contractors, agents, affiliates, successors, and assigns from and against all claims, demands, damages, losses, liabilities, penalties, fines, costs, and expenses, including attorneys’ fees, arising out of or related to your access to or use of the Services, your violation of these Terms, your violation of any law or third-party right, your business activity, your transaction activity, your wallet activity, your prohibited activity, your failure to secure your systems, or any dispute between you and your customers, users, counterparties, or business relationships.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect.

Black Vault’s failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. Any waiver must be in writing and signed by Black Vault.

You may not assign, transfer, or delegate any rights or obligations under these Terms without Black Vault’s prior written consent. Black Vault may assign, transfer, or delegate any rights or obligations under these Terms at any time without notice or consent.

These Terms, together with the Privacy Policy and any other policies, notices, disclosures, or agreements incorporated by reference, constitute the entire agreement between you and Black Vault regarding the Services and supersede all prior or contemporaneous agreements, statements, representations, marketing claims, communications, or understandings.

Black Vault may update, modify, replace, or revise these Terms at any time. Updated Terms may be posted through the website, platform, or other official Black Vault channel. Updated versions become effective when posted unless otherwise stated. Your continued access to or use of the Services after updated Terms are posted means you accept the updated Terms.

Black Vault Solutions is Nevis-focused and operates under the laws of Nevis, St. Kitts & Nevis, except where mandatory law provides otherwise.

For legal notices, privacy requests, dispute notices, or official inquiries, contact:

Black Vault reviews official communications at its discretion and reserves the right to decline responses to unsolicited, non-essential, abusive, repetitive, irrelevant, promotional, unsupported, or non-operational inquiries.

Before any claim, dispute, chargeback-related action, arbitration, court action, regulatory submission, public allegation, or other adversarial action may be brought or maintained against Black Vault, the complaining party must first deliver complete written notice to Black Vault at contact@blackvault.solutions and allow Black Vault a minimum ninety-day investigation and cure period, as described in the Terms of Service.

Use of Black Vault’s website, platform, payment flows, virtual card features, digital asset tools, partner systems, software, transaction systems, interfaces, and related services is governed by Black Vault’s Terms of Service and Privacy Policy.

Black Vault does not voluntarily submit to any jurisdiction beyond what is legally required. Where mandatory law cannot be waived or displaced, Black Vault complies only to the extent legally required.