Quixo AG Klosbachstrasse 103 8032 Zurich Switzerland Quixo AG is a Swiss corporation and a member of a Swiss self-regulatory organization (SRO) as a financial intermediary.

Quixo provides access to digital interfaces and services related to cross-border payment execution, multi-currency account functionality, and related financial services delivered through licensed third-party banks and payment service providers. Quixo: is not a bank, does not accept public deposits, and does not hold client funds. All payment execution and custody are performed exclusively by regulated third parties.

By using the Platform, you confirm that: You are at least 18 years old; You act on your own behalf and for your own account; All information provided is accurate, complete, and up to date; and You are not subject to applicable sanctions, restrictions, or prohibitions.

You confirm that you sought out and approached Quixo entirely at your own initiative to request access to the Platform and its services. You further confirm that neither Quixo nor anyone acting on its behalf solicited you, marketed or advertised its services to you, or otherwise approached or contacted you in any way prior to your request. The services are provided on a reverse-solicitation basis only.

Access to services is subject to successful identity verification and ongoing monitoring in accordance with Swiss anti-money laundering and counter-terrorism financing regulations. You agree to provide all information and documentation reasonably required for compliance purposes. Failure to do so may result in restricted access, suspension, or termination.

You must not: Provide false, misleading, or incomplete information; Attempt to circumvent compliance, monitoring, or sanctions controls; Use the Platform for unlawful or prohibited purposes. You remain responsible for ensuring that your use of the Platform complies with all applicable laws and regulations.

Quixo relies on third-party service providers for identity verification, payment execution, and technical infrastructure. Quixo is not responsible for the independent services, availability, or actions of such third parties, except as required by mandatory law.

All content, software, and materials made available on the Platform are the property of Quixo or its licensors. You are granted a limited, non-exclusive, non-transferable right to access and use the Platform solely for its intended purpose.

The Platform is provided on an "as is" and "as available" basis. Quixo may modify, suspend, or discontinue the Platform or any part thereof at any time for legal, regulatory, security, or operational reasons.

To the maximum extent permitted by Swiss law, Quixo shall not be liable for indirect or consequential damages, including loss of profit, loss of data, or business interruption. Nothing in these Terms limits liability that cannot be excluded under mandatory applicable law.

Personal data is processed in accordance with Quixo's Privacy Policy, which forms an integral part of these Terms.

Where the Platform provides access to crypto-asset services, including the exchange of currency for crypto-assets or crypto-assets for currency, those services are provided by a regulated third-party partner under its own terms, which you accept before using those services, and not by Quixo. Quixo does not hold crypto-assets or private keys on your behalf. Blockchain transactions are irreversible and cannot be reversed or recalled by Quixo. You are responsible for verifying any receiving address before confirming a payment. Please read the Crypto Risk Disclosure before using these services.

These Terms are governed by Swiss law. The exclusive place of jurisdiction is Zurich, Switzerland, unless mandatory law provides otherwise.