Terms and conditions

1 Who we are

• ChainComply BV
• Company registration: 1006.307.001
• VAT number: BE1006307001
• 2-4 Schuman Roundabout, Bruxelles, 1040 Etterbeek, Belgium
• Support: info@chaincomply.io

2 Key definitions

"Cash‑Out" / "Cash‑Out Report"

The Source-of-Wealth report and any associated visual map, narrative, commentary, and risk indicators that consolidate crypto activity across relevant wallets and platforms into a format intended to be understandable by non-technical compliance teams.

"EDDA" (Enhanced Due Diligence Assistant)

Our interactive AI assistant that helps generate and refine commentary and explanations for the Report.

"Digital Content"

Digital content not supplied on a tangible medium (your Report).

3 Important context and disclaimers

3.1 Why banks ask for documentation

Banks and other financial institutions often have legal and regulatory obligations under anti-money laundering and counter-terrorist financing rules to apply customer due diligence and monitor transactions and relationships. As a result, they may request documentation explaining the origin and movement of funds. Your bank's requirements vary and are outside our control.

3.2 Informational only; no advice

The Report, EDDA, and any related materials are provided for informational purposes only. They do not constitute financial, investment, legal, tax, or accounting advice. You are responsible for obtaining professional advice suitable for your circumstances.

3.3 No guarantee of bank approval

While structured documentation can support a smoother review, no document can guarantee approval. Your Cash-Out report is a declaration of a story, but its verification and final decisions are made by your bank or other third parties.

3.4 "MiCA‑compliant / MiCA‑aligned" marketing language

We may describe Cash‑Out as "MiCA‑compliant" or "MiCA‑aligned" to indicate that the Report is designed to support documentation workflows commonly associated with regulated crypto off‑ramping and compliance reviews. This is not a legal opinion and is not a guarantee that:

• the Report satisfies any particular bank's internal policies,
• your activities are compliant with MiCA or any other law, or
• any withdrawal/off‑ramp will be approved.

3.5 Your responsibility for completeness

You are responsible for ensuring that all relevant wallets, exchanges, and platforms connected to the funds under review are included. Your Source-of-Wealth claim may be incomplete if you do not include:

• old or closed exchange accounts;
• wallets used for deposits, withdrawals, DeFi, bridges, or self-custody;
• wallets controlled by you but not included;
• relevant business, freelance, or investment documentation;
• fiat bank evidence supporting original deposits;
• records of gifts, inheritance, asset sales, loans, or business income.

4 Eligibility (18+)

You must be at least 18 years old and legally capable of entering into a binding contract to purchase the Report.

5 How Cash‑Out works (service description)

5.1 Reuse of existing connected data

Cash‑Out is designed to reuse wallets and platforms you have already connected or uploaded. No new wallet credentials are required for us to generate the Report from those existing data sources.

5.2 Consolidation and explanation

We consolidate crypto activity across relevant wallets, exchanges, and protocols and generate:

• a shareable Source‑of‑Wealth map,
• a high-level summary of the origin of funds,
• transaction history across relevant wallets and platforms,
• investment gains from price movement, margin trading, and other revenues,
• identification of exchanges, protocols, and counterparties and their illicit activity risk score,
• documentation and explanation of complex inflows (e.g., DeFi, bridges, mixers) that are detectable from transaction data,
• contextual explanations intended to reduce follow-up questions from compliance teams.

5.3 Timing

Depending on the complexity or specificity of your crypto activity, the Report can be ready within a few minutes up to a few hours after you submit your request and required inputs. Times are estimates, not guarantees. If the report requires manual review, this can take a few days.

5.4 EDDA (Enhanced Due Diligence Assistant) — interactive AI commentary

• As part of the service, we may provide AI-generated commentary and explanations through EDDA. EDDA can propose narrative explanations and structured commentary based on the data sources available for your Report and the context you provide.
• You can interact with EDDA to amend proposed comments and to provide additional explanations. Your inputs and the resulting revised commentary may be included in the final Report.
• EDDA outputs may be incomplete, inaccurate, or misleading. You must review and validate the content before using or sharing the Report.
• EDDA is intended to support drafting and communication. EDDA does not provide professional advice and does not make decisions on behalf of your bank.

6 Data sources, limitations, and user responsibilities

6.1 Data sources and completeness

The Report is based on:

• wallet addresses and crypto exchange accounts you provided,
• transaction history observable from those addresses and networks,
• and where you connect integrations, the data made available via those integrations, subject to your permissions.

ChainComply will make best efforts to augment missing information; however, some information may be missing or incomplete due to limitations in third-party data availability, address attribution, protocol design, or the completeness of the wallets and platforms you include. Some information, such as spam or spoofing transactions, may significantly distort the report outcomes.

6.2 You may need to provide additional information

In some cases, to make the story complete, you may need to:

• add missing origination and destination wallets of deposits/withdrawals to third-party addresses;
• remove spam or spoof transactions from your datasets;
• ensure that internal transfers, bridges, and interconnected wallets are properly reflected.

If higher-risk or illicit activity flags appear, you may require additional help from an anti-money laundering consultant. ChainComply does not provide AML consulting as part of the standard Report unless separately agreed.

6.3 Free-text inputs

You may provide narrative context in a free-text box and via EDDA. Do not include unnecessary personal data (including sensitive personal information). If you include such data, it may appear in the Report output.

6.4 Your responsibility for EDDA content

You are responsible for the accuracy and lawfulness of the information you provide to EDDA and for deciding what content to include in your final Report. Do not provide content you do not have the right to share or that violates applicable law.

7 Corrections and re‑generation window

If something is missing, you can correct your data and re-generate the Report within 20 days of your initial generation, subject to:

• the same account and inputs being used; and
• our abuse-prevention controls.

If your corrected dataset materially changes the transaction count/complexity, we may require you to pay the difference to the applicable pricing tier before issuing a revised Report.

8 Pricing, one-off purchases, and taxes

8.1 One-off purchase only

The Report is sold as a one-off purchase. We do not offer subscriptions at launch.

8.2 Transparent pricing

Pricing is based on the size and complexity of your transaction history. The final price (including any applicable taxes/fees) is shown at checkout before you place your order.

8.3 Taxes

Depending on your location, applicable VAT/GST/sales tax may apply and will be displayed at checkout where required.

9 Payment (Stripe), authentication (SCA/3DS), and receipts/invoices

9.1 Payments via Stripe

Payments are processed by Stripe. By purchasing, you authorise Stripe (and us via Stripe) to charge your selected payment method for the amount shown at checkout.

9.2 Strong Customer Authentication / 3D Secure

Your bank or card issuer may require additional authentication (such as 3D Secure) to complete the purchase. This may involve a password, a one-time code, or biometric verification via your bank/issuer. If authentication fails or is not completed, your payment may not be successful and the Report will not be delivered.

9.3 Receipts and invoices

We will provide confirmation of your purchase. We may provide receipts and/or invoices by email and/or within your account, depending on configuration and legal requirements.

10 Delivery of the Report (Digital Content)

10.1 Delivery method

The Report is delivered digitally via your account and/or a download link sent to your email address.

10.2 Delivery conditions

We deliver the Report only after successful payment and receipt of the required inputs and permissions to access connected data sources (if applicable).

11 Withdrawal rights, immediate digital delivery, and refunds

11.1 EU/EEA and UK consumers — immediate supply waiver (digital content)

If you are a consumer located in the EU/EEA or the UK, you may have a statutory right to withdraw from distance contracts within 14 days in certain cases. However, for digital content not supplied on a tangible medium, your right to withdraw may be lost once performance begins if you:

• give prior express consent for immediate supply; and
• acknowledge that you will lose your right of withdrawal once performance begins.

At checkout, we will ask you to provide the required consent and acknowledgement for immediate delivery, and we will log this for audit purposes.

11.2 Refunds (beyond statutory rights)

No refunds after delivery, except for non-delivery or defect.

11.3 Non-delivery or defects

If you do not receive your Report, or you believe it is defective (for example, the Report cannot be accessed or is materially incorrect due to our processing error), contact info@chaincomply.io. We will assess and respond in line with applicable law and these Terms.

11.4 Chargebacks and disputes

If you initiate a chargeback or payment dispute, we may suspend access to the Report while the dispute is investigated.

12 Intellectual property

12.1 Ownership

ChainComply (and/or its licensors) owns all rights, title, and interest in and to the service, the Report format/templates, software, EDDA, and materials, including all intellectual property rights.

12.2 Licence to you

Subject to your compliance with these Terms, we grant you a personal, non-exclusive, non-transferable licence to use your Report for your own lawful purposes. You may not resell, redistribute, publish, or commercially exploit the Report without our prior written consent.

13 Acceptable use

You must not use the service (including EDDA) to violate applicable law, infringe rights, attempt to interfere with security, scrape or reverse engineer the service, or submit misleading data.

14 Limitation of liability

14.1 Mandatory rights

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law (including mandatory consumer protection).

14.2 Liability cap

To the extent permitted by law, ChainComply's total aggregate liability arising out of or in connection with the Report and these Terms is limited to the price you paid for the Report that gave rise to the claim.

14.3 No indirect losses

To the extent permitted by law, we are not liable for indirect or consequential losses, including loss of profits, loss of opportunity, reputational damage, or decisions made by third parties.

15 Privacy

Our Privacy Policy explains how we process personal data and is incorporated by reference.

16 Accessibility and localisation

16.1 Accessibility

We aim to make our services accessible. Contact info@chaincomply.io for accessibility-related enquiries.

16.2 Languages

Where translations are provided, the English (en‑GB) version prevails in the event of conflict, unless mandatory law requires otherwise.

17 Governing law and jurisdiction

These Terms and any dispute or claim arising out of or in connection with them are governed by Belgian law.

The courts of the Brussels region (Belgium) shall have jurisdiction, subject to any mandatory consumer protection rules that grant you rights to bring claims in your country of residence.

18 Changes to these Terms

We may update these Terms from time to time. We will post the updated Terms with a revised "Last updated" date. Your continued use after the effective date constitutes acceptance of the updated Terms.

19 Contact

Support: info@chaincomply.io