X4T Terms and Conditions

Language and Legal Precedence

This English version of the Terms and Conditions is provided for informational and convenience purposes only. In the event of any discrepancy, inconsistency, or dispute arising from translation or interpretation, the original Spanish version ("Términos y Condiciones X4T") shall prevail in all respects. Only the Spanish version shall be considered legally binding and enforceable, and all references or interpretations shall be made exclusively by reference to the Spanish text.

Terms and Conditions of Use Agreement

This agreement describes the general terms and conditions ("Terms and Conditions") applicable to the use of the services offered by X4T ("the Services") on the x4t.com site (the "Site"). Any person (indistinctly "User", "Member" or "Client" "You", "You all") who wishes to access and/or use the Site or the Services may do so subject to these Terms and Conditions, together with all other policies and principles governing X4T (indistinctly “…….”, “We” “Our”) and which are incorporated herein by reference.

These Terms and Conditions constitute a legal and binding agreement between X4T S.A. and the User, governing the use of the platform and the services offered. By registering, accessing or using the platform, the User declares that they have read, understood and expressly accepted all the terms set forth herein, undertaking to comply with them in accordance with applicable law.

1. Identifying Information

X4T S.A., with R.U.C. No. 80117664-6, is an entity incorporated under the laws of the Republic of Paraguay, with registered office at Calle Coronel Tito Bogado 2650 in the City of Asunción. The commercial office is located in the "The Top Business Center" building, located at Avda. Aviadores del Chaco and César López Moreira, with email address support@x4t.com.

2. Purpose and Scope of Application

a) The Terms and Conditions constitute the rules that govern access, browsing and use of the Site as well as the responsibilities arising from the use of its contents (hereinafter understood by “Content”, but not limited to: data, information, documents, texts, graphics, drawings, designs, code, software, photographs, music, videos, sounds, databases, images, expressions and information, as well as any other creation protected by national laws and international treaties on intellectual and industrial property).

X4T shall be responsible only for direct damages arising from the breach of its contractual obligations, provided fraud or gross negligence is proven. It shall not be liable for indirect damages, loss of profit or loss of data, unless otherwise provided by law. This limitation shall not apply in cases where the law expressly prohibits the exclusion of liability.

b) In this regard, "User", "Member" or "Client" shall be understood indistinctly as the person who accesses, browses, uses the Services or participates in activities made available or organized by X4T SA on the Site, whether for a fee or free of charge.

3. General Provisions

a) The Services are only available to persons who have the legal capacity to contract. Persons who do not have such capacity, minors, or Users who have been temporarily suspended or permanently disabled by court order may not use the Services. If you are registering a User as a Company, you must have the capacity to contract in the name of such entity and to bind it under the terms of this Agreement.

b) Access or mere use of the Site by the User implies their adherence to the Terms and Conditions and Annexes that X4T SA has published at each time they access the Site, as well as the commitment to comply at all times with the laws in force on the matter. Consequently, the User declares to have carefully read and understood the Terms and Conditions and expresses their adherence to them. Any person who does not accept these general terms and conditions, which are mandatory and binding, must refrain from using the site and/or the services and/or participating in any activity organized by X4T SA within the scope of application of the terms and conditions.

c) It shall be understood that by accepting the Terms and Conditions the User declares that they possess all the legal capacities to contract with X4T SA, that they are not a competitor of Ours, that they do not carry out activities that may be considered competitive with the Services, and that they do not access or use the Site for purposes of commercial competition.

d) Likewise, the User declares and accepts that they will not violate any of the rights of X4T SA including, but not limited to, industrial and intellectual property rights and that all means, systems, equipment and software used to access and use the Site will be their exclusive property and that the operational capabilities and maintenance thereof will be at their sole account and risk.

e) In the same way, the User accepts and undertakes to:

e) The user declares to have read, understood and expressly accepted these Terms and Conditions by checking the corresponding box at the time of registration.

I. The content, material, and services of the Site are protected by industrial and intellectual property rights and are the exclusive property of X4T SA.

II. Not to use the Site to carry out commercial activities, of any type and nature whatsoever.

III. The obligations assumed by X4T SA with the Clients are obligations of means and not of results.

IV. Not to access the Site using automated means such as, but not limited to: harvest bots, bots, spiders, spiders or scrapers.

V. Not to use the Site for marketing and/or multi-level marketing purposes such as but not limited to pyramid schemes, as well as other similar marketing concepts.

VI. Not to upload, use or disseminate on the Site viruses or other software or code with malicious content.

VII. Not to access the site using the account and/or profile of other Users.

viii. Not to use the Site to carry out intimidating activities, harassment or bullying of other Users or third parties.

IX. Not to publish on the Site material that incites hatred, racism or violence nor to use pornographic material or content that is obscene and inappropriate for the purposes of X4T SA.

X. Not to use the site in such a way that this use may constitute a violation of any laws, decrees, resolutions, regulations or any other regulatory provision, in particular the provisions issued by the National Securities Commission (CNV) and the Central Bank of Paraguay (BCP).

XI. Not to carry out actions that compromise the operational security of the Site.

XII. Not to make any kind of use or statements that discredit, defame or make false allegations or statements regarding X4T SA and/or any of its products or services.

XIII. Not to share the use of and access to their private account with other Users or third parties and, thus, make them accessible to the public.

XIV. Not to use third-party industrial and intellectual property rights on the Site without authorization.

XV. Not to use the Site for the purpose of sending unauthorized commercial and advertising material.

XVI. Not to carry out abusive practices that distort or conceal the true purpose of the User’s communications or that aim to increase traffic to other websites.

XVII. Not to carry out practices that encourage violation of the Terms and Conditions.

xviii. Not to carry out acts of reverse engineering.

XIX. Not to carry out acts that may generate damages, costs or other types of expenses to X4T SA.

XX. Not to share personal information nor disclose personal information of third parties.

4. License Ownership

a) The User accepts that the Terms and Conditions and their Annexes are subject to changes which may be made at any time and unilaterally, without prior notice and without justification of cause.

b) Being a User of X4T SA entails the limited and revocable use of the license for the use of the Site and the Services included therein and in accordance with the Terms and Conditions. Revocation of the license applies automatically in case of violation of the Terms and Conditions or any other legal or internal provision of X4T SA. In case of revocation the User must destroy all material provided and related to the site.

c) After revocation, the User's personal information will remain at the disposal of X4T SA in accordance with privacy policies. All information provided to X4T SA is at the User's own risk; its loss does not entail liability for X4T SA. The company shall not be liable for indirect damages, loss of profit or loss of data, except in cases of fraud or gross negligence.

d) All content and material related to the Site is the exclusive property of X4T SA. The User acknowledges this exclusive ownership of X4T SA. Likewise, the Client acknowledges that all content, material and documentation owned by X4T SA is protected by industrial and intellectual property rights and that its violation and/or improper use entails the application of the provisions set forth by Law in this matter.

e) The User accepts and acknowledges that the data, material, documents and information contained on the Site are the exclusive property of X4T SA and undertakes not to use them illegally and/or without authorization. X4T SA reserves the right to implement all security mechanisms in order to prevent the use and illicit distribution of content owned by it.

f) All information provided by the User to X4T SA as well as the content thereof is the exclusive property of X4T SA. “Content” includes, but is not limited to: texts, data, graphics, images, photographs, video, audio, information, suggestions, guidance and other materials provided, made available, or otherwise found through the Site, including, among others, the Content provided as direct answers to your questions and posts.

g) The User assigns to X4T SA free of charge and in perpetuity their rights to image, audio and video, provided that the same have been obtained legally and with the User’s consent.

h) X4T SA reserves the right to proactively investigate any type of violation of the Terms and Conditions and, when necessary, to seek redress of damages by whatever means necessary, including reporting the violation to Official Authorities.

i) X4T SA declares that it does not control or monitor Clients’ and Users’ electronic devices; nevertheless, and whenever the Law allows and by authorized means, it may carry out monitoring activities in the event that this is necessary to prevent violation of the Terms and Conditions.

j) The User accepts and consents that X4T SA may, in its sole and exclusive discretion, delete any information, documentation and content provided by them, as well as terminate the account at any time as a result of violation of the Terms and Conditions or for any type of activity that X4T SA considers objectionable and/or that may put the Site at risk. k) X4T S.A. is duly registered and holds an official license as a Virtual Asset Service Provider (VASP), thereby ensuring compliance with the regulations in force in the field of cryptocurrencies and digital assets. For more information about our license, you can consult it directly through the following link: www.seprelad.gov.py/siro/soprovisorio/impresionsolicitudso.xhtml?id=32310367621607740620060463756669

5. Purchase Method and Returns

a) X4T SA offers and sells products and services RELATED SOLELY AND EXCLUSIVELY TO EDUCATIONAL AND INFORMATIONAL ACTIVITIES IN THE FINANCIAL AND STOCK MARKET SECTOR; the sale is carried out in accordance with the nature of the product, in direct sale mode and on a one-off basis. The User has the option of paying in cash directly at the store located in the "The Top Business Center" Building located at Avda. Aviadores del Chaco and César López Moreira, 16th floor. Payments by credit and/or debit card are accepted. Automatically, X4T S.A. provides an option to complete transactions via bank transfer, providing specific bank account details for this purpose.

b) The User accepts and consents that all information related to payment is stored by X4T SA.

c) The platform has a credit/debit card payment service. For this, the fees for products and services for the Users are debited from the credit card or indicated at the time of contracting the service. In the event that the credit or debit card associated with the User's account has expired or the payment has been rejected, X4T SA will proceed to automatically cancel the account. It is the User's sole responsibility to keep the data of the credit card associated with their account updated as well as the contact details where X4T SA can carry out its communications and notifications.

d) Payments made by Users to X4T SA for the purchase of any of its products or services and for their renewal will not be subject to refund. Likewise, X4T SA does not offer nor is obligated to provide refunds or credits of any kind and for any reason, including but not limited to, account cancellations by Users, except in those cases where reimbursement is mandatory for the reasons set forth in Article 17 of Law 4868/13 “On Electronic Commerce” and other applicable legal provisions in the matter.

e) All fees paid to X4T SA for the purchase of products or services or for the subscription to them are net of expenses and taxes which must be paid by the User.

6. Modifications to the Website and Prices.

a) The User acknowledges and accepts X4T SA's right to unilaterally modify the content of the Site, as well as the costs and fees associated with the products and services offered. Modifications may be made at any time and without prior notice. Likewise, X4T SA reserves the right to temporarily or permanently modify or interrupt the Site (or a part of it) without the need to give prior notice.

b) Notwithstanding the foregoing, X4T SA reserves the right to communicate and alert about changes that may occur on the Site; these communications may be carried out by any means that are most appropriate considering the nature of the modifications.

7. Cancellations

a) X4T SA may reject any registration request or cancel a previously authorized registration, without the need to justify such a decision, and without generating any right in favor of the User.

b) If it is the User who wishes to cancel their account, they will be solely responsible for correctly canceling them and following the procedure and means through which they carried it out.

c) X4T SA will retain the data and information related to Users once they have canceled their accounts, memberships or subscriptions.

8. Exclusion of Liability

a) X4T SA is not responsible for the misinterpretation and/or misunderstanding of the content of the Site, for the interpretation and/or understanding of the queries, nor for its improper use, nor for actual or contingent damages, direct or indirect, consequential or alleged, loss of profit or any other relating to the Information displayed on the Site or in its links, nor relating to the actions and/or decisions that the User takes or has taken, omits or has omitted to take, when consulting the Site and/or its links.

b) X4T does not assume responsibility in situations where the platform presents interruptions, technical failures or any other type of inconvenience during the process of buying or selling cryptocurrencies. It is essential that our users are informed of the technological risks associated with online cryptocurrency transactions and take appropriate precautionary measures. Nevertheless, X4T undertakes to make reasonable efforts to restore the service within a reasonable period.

9. User Responsibility

a) X4T SA is not a company dedicated to providing financial and investment advice and is not a subject obligated nor controlled by the National Securities Commission nor the Central Bank. Therefore, the information contained on the Site nor the Services of X4T SA constitutes an offer, invitation or solicitation for you to buy or subscribe securities or other financial or investment instruments, nor for you to decide or modify investments. In no way do this Site, the information contained therein or the Services of X4T SA constitute the basis for a contract, commitment or decision of any kind. The instruments or investments shown on the Site or social networks are for educational, training and informational purposes only and may not be appropriate for you, given your specific investment objectives, financial position or risk profile, as these have not been taken into account for the preparation of the Site. Under no circumstances may X4T SA be held responsible for the outcome of investments you decide to make. If the User is interested in making investments, they must keep in mind, and pay special attention, that all securities or instruments are regulated not only legally but through specific documents approved by competent authorities, which will include complete and accurate information about the respective security or instrument, and which the User must analyze together with their professional advisors (lawyers, accountants, financial advisors, tax advisors, etc.) prior to making an investment. Under no circumstances may X4T SA be held responsible for the outcome of investments you decide to make.

b) The content and information provided by X4T SA and the Site or social networks as well as the products and Services provided are intended to be informational data.

c) The information, content and data provided by X4T SA are not intended to be, nor are they directed to, nor can they be considered as, recommendations to carry out operations of purchase and sale of crypto assets, financial instruments nor any other operation of a stock market, financial or any other type of investment nature, whatever its nature; they do not constitute advice in financial, tax, legal or accounting matters either.

10. Educational, Research and Information Purposes of X4T SA

a) The data, content, materials and information contained on the Site may not be considered financial, investment or stock market advice nor do they in any way constitute an offer, invitation or recommendation by X4T SA to buy or sell securities and/or financial instruments.

b) The use by the User of the information and/or data contained on the Site and/or the teachings acquired through the subscription and/or purchase of products and Services provided by X4T SA to support decision-making when making investments and/or transactions, of any type, does not guarantee obtaining any type of results and/or returns. The User accepts and acknowledges that all investments and transactions they carry out will be done at their own and sole risk and responsibility.

X4T's liability will be limited to direct damages arising from the proven breach of its contractual obligations. It shall not be liable for indirect damages or loss of profit, except in cases of fraud or gross negligence.

c) X4T SA does not and will not provide you with any type of legal, tax, estate planning or accounting advice, nor any type of advice regarding the suitability, profitability or timeliness for you of any security, investment, financial product, investment strategy or other matter. The data, content and information contained on the Site should not be interpreted as investment or trading advice; nor is it intended to be an invitation or recommendation to buy, sell or hold positions in securities or to participate in any other transaction. Such data, content and information provided by X4T SA or contained on the Site are secondary to our business and activities which focus on providing educational and training services.

11. Data, Content and Information

a) X4T SA does not guarantee the truthfulness or validity of the information, data, comments, recommendations, news, or other materials to which the User may access through the Site; furthermore, X4T SA does not guarantee that the same has not been altered after its insertion on the Site. If despite the above the User decides to rely on them for decision-making, they accept and acknowledge that they do so exclusively at their own risk.

b) The social networks enabled on the Site are made up of other Users and moderators, whether or not they are employees of X4T SA, and are intended solely to share information and content of an informative, educational or academic research nature. The information and content shared by Users reflect, exclusively, their individual interests and preferences and do not constitute, in any way, an offer, invitation or advice by X4T SA for the User to buy or subscribe securities or other instruments, nor for them to decide or modify their investments. Therefore, X4T SA is not responsible for the accuracy, reliability or completeness of the information.

c) X4T SA does not approve nor control the content shared in forums and virtual chats that may be enabled on the Site. The User accepts and acknowledges that, by participating in them, they do so at their own risk and exempts X4T SA from any type of liability related to their participation in them.

d) Any participation and/or comments made by moderators in forums and virtual chats that may be enabled on the Site will be considered personal opinions and do not represent, in any case, an invitation or advice by X4T SA for the User to buy securities or other instruments, nor for them to decide or modify their investments.

e) All products and services provided by X4T SA, as well as the data, content, materials and information included on the Site are for educational, training, informational and academic research purposes only.

12. Personal Activities of X4T SA

a) Shareholders, executives and employees of X4T SA are persons who normally carry out stock market and investment activities; however, these activities are carried out individually and independently and according to their own investment criteria and plans and based on each one’s individual experience, and they are not obliged to follow the strategies and teachings provided by X4T SA.

b) The User acknowledges and accepts that the shareholders, executives and employees of X4T SA are persons who normally carry out stock market and investment activities but who carry them out under the conditions and according to the specifications mentioned in the preceding paragraph. Therefore, by this act the User voluntarily waives the right to claim damages, losses and liabilities, as well as any other costs or expenses arising from, or related to, purchase-sale activities of securities that they have carried out taking as reference the activities carried out by the shareholders, executives and employees of X4T SA.

13. Investments and Results

a) The activities of buying and selling crypto assets involve high levels of risk; therefore, they are activities that should be carried out by professionals in the sector who have a thorough knowledge of the risks involved and who are willing to assume considerable or even total losses.

b) The data, content, materials and information on the Site do not constitute any type of guarantee or indication for obtaining positive results in the activities of buying and selling crypto assets that may have been carried out by Users.

c) The shareholders, executives and employees of X4T SA do not guarantee, in any way, the validity, suitability, timeliness, accuracy or reliability of the data, content, materials and information from the Site and which have been eventually used by the user for decision-making when carrying out their particular investments.

14. Testimonial Disclaimer

a) The support, adherence, testimonials and description of other users regarding their past experiences with X4T SA and the Site constitute individual and non-transferable testimonials and the results and performance are the result of individual and unrepeatable experiences of some Users and are not representative of the results and performances obtained by all Users; therefore, the User should not expect to achieve identical or similar results or performance.

15. Third-Party Websites

a) Certain content, products and services available on Our Site may include material from third parties.

b) Third-party links on the Site may redirect to third-party websites that are not affiliated with Us. We are not responsible for examining or evaluating the content or accuracy and we do not guarantee nor will we have any obligation or responsibility for any third-party materials or websites, or for any third-party materials, products or services.

X4T shall not be liable for content generated by users or other third parties, except in cases where, with actual knowledge, it fails to act in accordance with its legal duty. Nevertheless, X4T expresses its ethical and legal willingness to collaborate with competent authorities and report any illicit act of which it becomes aware through its platform. This provision is framed within the principle of subsidiary liability recognized in digital legal doctrine.

c) X4T SA is not responsible for any damage or damages related to the acquisition or use of goods, services, resources, content, or any other transaction made in connection with third-party websites. Please carefully review third-party policies and ensure you understand them before engaging in any transactional practices. Complaints, claims, concerns or questions regarding third-party products should be directed to the third party.

16. Indemnification

a) The User agrees to indemnify, defend and hold harmless X4T SA and its subsidiaries, affiliates, partners, employees, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, from any claim or demand, including reasonable attorneys' fees, made by any third party due to or resulting from the User's breach of the Terms and Conditions or the violation of any law or the rights of a third party.

17. Privacy and Private Information

a) Protecting the user's privacy and securely maintaining their information are among Our top priorities. This section will help you understand the information we request and why.

b) To be a User of X4T SA, You must provide certain basic and personal information. Our Privacy Policy details how we use, share and maintain the information you voluntarily share with X4T SA, which may include, among others, your name, identity card number, address, contact information, employment, billing and other information (collectively, “Personal Information”).

c) By submitting such information, the User authorizes X4T SA., its officers, shareholders, employees, agents and others working on its behalf to use and/or disclose such information in accordance with our Privacy Policy. Review the Privacy Policy carefully, as your use of the X4T SA platform constitutes your agreement.

d) In situations where X4T SA has reason to suspect that the information provided by the user is not authentic or accurate, we reserve the right to request additional documents in order to confirm and ensure the user's identity.

e) If X4T SA identifies suspicious or unverifiable features in an account, we reserve the right to cancel it to protect the integrity of our platform and the security of our user community.

18. Modifications to the Terms and Conditions

a) The User may review the most up-to-date version of the Terms and Conditions at any time by visiting this page.

b) X4T SA reserves the right, at its sole discretion, to update, modify or replace any part of these Terms and Conditions by posting updates and changes on Our Site as well as by any other means we deem appropriate. It is the User's responsibility to review Our website periodically to check for changes. Continued use of or access to the Site after the posting of any changes to the Terms and Conditions implies automatic acceptance of such changes.

X4T S.A. may modify these Terms and Conditions. Modifications will be communicated to the User through a prominent publication on X4T’s official website, and in the case of substantial changes—those that alter rights, obligations or essential service conditions—also through notification to the User’s registered email or via their account on the platform. Continued use of the service after such notification will be interpreted as acceptance only if the User has given their express consent, in cases where the law so requires.

19. Governing Law

a) We hope to resolve all disagreements you may have with X4T SA. However, if there is a conflict that must be resolved, that process will be carried out in accordance with this article. These Terms and Conditions shall be deemed concluded and shall be interpreted and enforced in accordance with the laws of the Republic of Paraguay.

b) You agree that all conflicts between you and us (whether or not that conflict involves a third party) in relation to your relationship with us, including, among others, conflicts relating to these terms and conditions, your use of the services and/or privacy and/or publicity rights, shall be resolved before the courts of the capital city, Asunción.

20. Severability

a) In the event that a judge or arbitrator determines that any of the clauses of the Terms and Conditions is illegal, unenforceable or void, it shall be modified for the purpose of making it legal and enforceable to the broadest extent possible; if a judge or arbitrator determines that the clause as modified remains illegal, unenforceable or void, this decision shall not affect the other clauses of the Terms and Conditions.

21. Acceptance of the Terms and Conditions

a) The User agrees that these Terms and Conditions constitute a sufficiently exhaustive and complete agreement between them and X4T SA regarding the Site and its contents; it replaces each and every existing agreement, in whatever form, oral or written, between X4T SA and the User and related to the subject matter of the Terms and Conditions.

b) IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS OR ANY OF THEIR CLAUSES, PLEASE LEAVE THIS WEBSITE IMMEDIATELY. IN THE EVENT THAT, DESPITE NOT AGREEING, YOU CONTINUE BROWSING THE SITE, THIS IMPLIES AUTOMATIC ACCEPTANCE OF THE TERMS AND CONDITIONS.

ANNEX1

AML and KYC

AML and KYC Policy

Due to legal requirements and in consideration of user safety, the United States, the European Union and various countries, X4T S.A. has implemented and begun to use the Know Your Customer/KYC Policy, Anti Money Laundering/ CFT (prevention of money laundering, combating the financing of terrorism) as other financial institutions and Banks require.

These policies are intended to combat the financing of terrorism and money laundering (AML/CTF) in exchanges by monitoring interactions and identifying real users. Any transaction will be identified and suspended that not only aims to sell or buy a cryptocurrency, but also anyone who wishes to conceal the origin of money that is criminal, illegal behaviors and financing illegal activities. X4T reserves the right to request documentation supporting the origin of income or funds at any time, regardless of the amount of the transaction. This measure is implemented to ensure compliance with applicable regulations, maintain the integrity of our platform and meet industry standards.

In accordance with Law 6534/20, I authorize X4T S.A. and authorized service providers for information verification to collect and share public and private information related to me. This includes my phone numbers, family ties, and journalistic, civil, criminal, commercial and financial records. This authorization is granted for the purpose of facilitating the verification of my data using various national and international sources of information. In this way, I seek to ensure the correct validation of my application, granting my consent for such information to be consulted and shared with interested third parties, always respecting the terms of Law 6534/20.

These policies are confidential and these specific provisions are for internal use only, in order to prevent fraudulent and dishonest users. Below, some stipulations and general rules of our policies that directly affect you and the services provided will be presented.

User Identification.

First, we must identify ourselves; we are required to have the identity of the persons who will be authorized to carry out transactions on this Platform. For this reason, a scan of the ID (C.I.) is requested, and its authenticity will be checked with special software from external providers.

A “Selfie” and a photograph of the identity document are requested in order to prevent the use of third-party documents. To verify the similarity of the identification with the photo, it will be done using special software from external providers, and in case of doubt, it will be checked manually by customer service staff.

In the event of reasonable doubt, the customer service team will contact you to explain the concern and resolve the issue; if it cannot be determined that the documents belong to you and are authentic, no transaction will be allowed.

User Identification - companies

Transaction tracking and monitoring.

All transactions will be analyzed in search of unusual and suspicious behavior through our software. These selected transactions will be evaluated and analyzed by our specialists, to determine whether they do not represent significant risks and must be stopped and clarified (AML/CFT).

Additional verification

AML/CTF verification obligations increase when trading volume increases; the same will happen when transactions are “flagged” as unusual or suspicious. Or you are rated as a person of significant AML/CTF risk by our personal results verification system.

Cooperation with you must be terminated and your transactions may even be reported to the relevant authorities if our AML specialists do not clarify their doubts.

Basic Rules

Operating rules include, among others, the following:

1- You cannot manage a third party’s account (someone else’s) nor shared or joint accounts; deposits from third parties into another user's account are not accepted.

2- All required documentation must be provided; no exception is allowed in any field of required documentation for users.

3- In case of suspicion of AML/ CTF, X4T S.A. may refuse to process the user's transaction at any time.

4- In compliance with International Law, X4T S.A. is not obliged (nor prohibited) to inform users if their behavior is reported as suspicious to the relevant authorities.

Sanctioned Countries

Accounts cannot be opened nor transactions processed for citizens and residents of countries where transactions are prohibited by international sanctions. Or certain countries that have been selected by our AML team that pose a high AML/CTF risk (countries that have weak regimes against money laundering and the financing of terrorism).

Verification Levels

As the level of trading increases, AML/CTF risk also increases. As a result, appropriate security and verification procedures are introduced, based on the fact that the more capital you deposit or withdraw, the more information you must provide about yourself. This may be modified as changes are made considering new knowledge and experience and the legal requirements of each Country. As for particular transactions, they can also be modified due to audits and efficiency verification, but you will be kept informed if changes are applied that influence your situation.

Privacy Policy

We ensure every day that the use of our exchange is safe and convenient for you. For this reason, you are provided with this information about how your registration data and the use of the exchange are processed.

Considering your safety and privacy as a key point, we explain the Privacy Policies, what data is collected, the rights you have, and that you can be safe with us.

Your data is collected mainly when registering your user account and while using our website. To get acquainted with the rules of our exchange we have created this Privacy Policy.

General information about the Privacy Policy

1- The main purpose of this Privacy Policy is to explain why all the information we request is necessary. We specify what data is collected, what rights you have and where it comes from.

2- This Privacy Policy is based on:

A- Regulation (EU) 2016/679 of the European Parliament and of the Council, national and international laws on the protection of natural persons with regard to the use of personal data and the free movement of data.

1- We ensure that all our employees are trained in the processing of personal data to ensure the security of your personal data; it is guaranteed that our company has the technical security measures to adequately secure your data.

2- Your personal data is processed according to the law, only for legally permitted purposes and specific purposes.

3- The security and confidentiality of your collected personal data is maintained; we make our best effort to secure the data collected. This data is processed, stored and may be transferred to any country.

Who is the administrator and the data protection officer of your personal data

1- The administrator of your personal data is X4T S.A., this company is located in Asunción, capital of the Republic of Paraguay.

2- Regarding the processing of your personal data, if you have any request, complaint or question you can contact: 0992443344. You can also contact the Administrator by sending a letter to the address already specified or by email to support@x4t.com

3- These complaints, requests or questions must include: all data of the person or persons affected, the reason for the message, the basis of the request and what is expected or how you want the matter to be handled.

How and why do we collect your data?

1- You should keep in mind that we process the data you provide us when configuring and verifying on our website (the data entered in the forms) and the data you provide on our website when you use the services offered (when you buy/sell).

2- It is necessary to collect this information to be able to provide our services and for them to comply with the legal provisions requested on identification to combat and assess fraud risks. If this data is not provided or if the data given is false, the service cannot continue.

3- To confirm the data mentioned above, your transaction history is also monitored.

All information provided is completely confidential and is only used for the purpose informed above.

The website requests the following data:

Name: A full name must be provided for identification.

Date of birth: It must be verified that the user is indeed of legal age.

Address and Country of residence: To identify that the user is not in any Country that is on the aforementioned risk list, you must provide your address and country of permanent residence.

Nationality: It must be confirmed whether you are a citizen of a country in which it is not possible to provide the service.

Phone number: In future updates it will be necessary to provide a phone number, which will be used to send a confirmation code for the activation and validation of the account. Additionally, with prior consent, X4T may send commercial information to the number provided.

Information relating to the identity document (passport, identity document or driver's license): to corroborate that the data provided in name and age are correct, an identity number must be provided for identity confirmation.

Photograph: In order to confirm that the person entering the data is the holder thereof and not a third party.

Email address: To create a user, an email is requested to which information can be sent if accepted and through which this email any doubts or queries can be clarified.

IP address: it is unique information for each device, for necessary technical information (region from where the connection is made) and to exclude if it is from an unauthorized country.

Other data such as: browser type, request URL, browser language, and others that are collected during use and that information is used to create statistics and optimize the service provided.

The data provided may be used to send information, participate in contests or some additional service as long as the user authorizes it.

When you want to file a complaint or any query, the data is requested again (full name, user ID, contact phone number, email address and identity card or passport number)

On what bases do we process your data?

The legal bases on which your data is processed are:

Your consent: For newsletter subscriptions your voluntary consent is necessary and this may be canceled at any time.

For a settlement, purchase or sale or to send responses to inquiries (an agreement between the user and this company to maintain the account on our site).

When there is a legal obligation, derived from a legal act, to comply with necessary measures regarding these provisions and our legally legitimate interest.

Information and marketing campaigns are carried out reminding users that their data can only be used for the aforementioned purposes and this consent can be modified at any time. An email must be sent, bearing in mind that this does not mean a deletion of your personal data, because your data can be processed if necessary for some legal basis or if we have a legitimate obligation to do so.

To formalize an agreement with you, data processing is necessary if there is an obligation to comply (whether tax or accounting), in accordance with anti-money laundering regulations.

Remember that, even if you did not give us express authorization, your data must be made available if requested by the authorities as established by law.

Based on our legitimate interest, your data will be processed in order to defend ourselves against claims, for evidentiary or archiving purposes, and for analytical purposes to improve our system in the future.

What are the consequences of not providing your data?

Without the required data, an account cannot be set up or maintained, much less carry out any transaction with it.

Which of your data and how do we share them with other entities?

Without express consent your data cannot be shared, unless they are processing companies (these would be those with which the website works to carry out its commercial activities) whether to send SMS messages (in case it is authorized), courier service providers, entities that provide accounting services to us, companies that provide document authenticity services (which you provide to confirm your identity), entities that assess fraud risks or entities that provide service for website maintenance.

Entrusting your data to third-party companies does not mean that the confidentiality of your data is violated (they will only be used for work purposes and will not be used for other unauthorized purposes and must be used in accordance with the law)

How long do we retain your data?

1- Your data will be retained as long as needed for the purpose for which it was requested.

2- It is retained longer than specified above only for legal or tax purposes.

3- The basis for processing your data is:

Your consent: This is retained until consent is withdrawn or if that consent expires (if the service is no longer provided).

The need to execute an agreement: the time is not only what is stipulated between the parties; remember that the authorities request a longer period to present that data to their offices.

Legal obligation: Your data will be processed as long as we are legally obligated to do so according to the laws.

The pursuit of legitimate interest: As long as the interest exists.

4- Keep in mind that even if the contract that binds us is terminated, we are still obligated to retain and inform according to the law of each country for a certain period.

5- In consideration of our services we are subject to specific regulations, such as retention of: copies of information and documents obtained to verify your identity; copies of information and documents that were necessary to assess fraud risk with your transactions; copies of evidence confirming transactions and the necessary record to identify transactions. All this must be retained for a minimum period of 5 (five) years from the end of our relationship with you.

6- This period of time may be modified if the legal bodies so provide.

7- After this period of time, all personal data will be deleted and anonymized.

Your rights

You have a number of rights which we will explain further in this section; if you need more information you can send an email indicated on the Website. For contact please remember: provide the data of the person or persons interested in the request or complaint; specify the reason for the message; the legal basis or what you are requesting and how you expect the matter to be handled.

Considering the processing of your data you have:

A- The right to be informed when your personal data is being processed and the legal basis for that processing.

B- The right to have your data corrected and updated if it is incorrect in our system and to complete incomplete personal data.

C- The right to have your personal data deleted (externally; they will still be kept for the legally required time).

D- The right for your data not to be used for direct marketing purposes.

E- The right to request that your data not be processed.

F- The right to request that your data not be processed due to particular situations, but it will be processed anyway if it is legally justified as necessary.

G- If your consent is necessary for data processing, it may be withdrawn at any time you deem appropriate.

H- You can file a complaint if you consider that we process your data improperly and without legal grounds; this should be submitted to a competent legal body.

I- The right for the data provided to be delivered to you in a structured manner so that you can use it and send it to another administrator if you request it. You may request that your data be transferred to another administrator, provided that you demonstrate consent to this transfer.

Profiling

1- Once all your data has been uploaded and after evaluating your physical factors, economic situation, preferences and personal interest, a profile will be created in our system.

2- On the site your personal data is processed, the activities you carry out on it, and thus evaluate what services to offer you. These profiles take into account the following aspects:

A- Confirm the data provided to assess the risk of money laundering or terrorist financing and thereby fulfill our legal obligation.

B- Adapt the website considering your preferences and needs.

3- Considering these profiles, it is assessed which operations can be carried out and what information is further necessary to request in order to ensure the legitimacy of transactions according to the law and avoid risks.

4- To decide whether it is possible to provide you with any service, the profile and the approval of our technicians is required, and that external AML/CFT sector entities verify it.

Cookies

1- You must give consent for the data and information you enter to be stored for use when you re-enter and it is not necessary to load it again; if you do not want this, it must be disabled in the internet browser options. These cookies are used by our website considering your needs and adapting its operation to them.

2- Cookies are stored in the browser and on your hard drive, depending on the device you use; these cookies are text files that contain information captured by the server and stored on your equipment.

We will use this information for the following purposes on the website:

A- Auto-save surveys, login data and form data on the website.

B- Show when you log in and identify the user who logged into the website.

C- If modifications of font, colors, etc. were made, remember those modifications for each user.

D- Personalize which advertising to display on the website according to your preferences.

3- Thanks to cookies the user's activities on the website are recorded and through them the preferences of each user are individualized.

4- By default many web browsers accept cookies by default, but these can be modified in settings. However, in some cases these cookies are necessary for the proper functioning of the website (example: you cannot place an offer because your data is not present in a sale).

5- The administrator uses third-party services for certain website statistics, but this data is anonymous, does not identify which user it belongs to and it is not possible to individualize and detect who it belongs to.

How do we secure your data?

A- Protection of your data is guaranteed. Your data is stored, used and transmitted securely; it is protected against illegal or unauthorized processing and against damage or destruction of data.

B- The implemented security measures ensure that your data is not lost, used or changed; we use: PCI scanning, encryption, data backup, pseudonymization, periodic testing and strict physical access controls to our building and archive, as well as measurement and evaluation of the effectiveness of our systems’ security measures.

C- Even considering all of the above, 100% secure data transmission cannot be guaranteed; therefore, we request that you take reasonable precautions to protect your data. Contact us immediately if you suspect that your passwords or account information have been disclosed.

Procedure to change the Privacy Policy.

Over time standards, technology, and legal requirements will change; this means that our Privacy Policies will also change and will be available on the website and you will be notified of them; from their notification they will apply; if they are significantly relevant they will be sent by email simultaneously.

Statements and basic information.

It is warned and noted that the possibility of “infecting” the computer system is mainly from malicious software such as worms, trojans and viruses; and it is a recommendation for every Internet user and even more so for our users to have an antivirus program and that it is constantly updated. The Service Provider informs that despite all the modern “defenses” described in the Security Policies there is no complete and unbreakable protection against malicious software, since these can enter through user’s particular actions with the use of electronic services (for example: opening an email).

2.The Service Provider informs that the service is not supervised by the state as it is not a financial institution registered and regulated as such.

3. The Services offered by the Service Provider may depend on the country, residence, citizenship or stay of the User. The list of countries with fully excluded access to the Services is published and updated on the Website. The change of the aforementioned list shall not constitute a change to the Service Agreement.

4.It is the user's obligation to specify the method of payment to the tax authority and the provider is not responsible for taxes derived from transactions carried out in its services provided.

5. The regulations regarding the security and use of funds deposited in the user's account are described in this document; these Policies are purely informative, they do not form part of the Service Agreement. Changes made to the policy do not imply a change to the Service Agreement.

The Service provider informs and the user acknowledges that transactions are executed on the website with other users or with the service provider as a user, specifically excluding those not found in the description of services offered on the website (example: OTC transactions).

The Service Provider nor its affiliates under no circumstances make investment recommendations, recommendations to buy or sell Fiat funds or cryptocurrencies or offer suggestions on their social network pages or on the website. The user is responsible for determining whether an investment strategy is suitable for them and all transactions will be carried out only under the User's order.

The Service Provider does not guarantee nor promise any result and the User is recommended to consult a Financial Advisor, Lawyer or other investment professional to advise on their individual needs. The purchase and sale of cryptocurrencies involves financial risk and it is recommended that you consult a professional of your choice.

The Service Provider disclaims all liability for analyses, advice, opinions or information that prove to be incomplete or inaccurate that result in losses, to the extent legally protective of the Provider. The User is responsible for the use they make of the information on the Site or investigations linked to the site.

Type and scope of services

The service provided by the Service Provider through the Website lies in providing the User with an electronic platform to conclude Cryptocurrency exchange transactions and exchange information.

You must have a device with internet access, compatible with web browsers and that can access Javascript files and cookies for proper use of the Website.

If necessary, the Service Provider has the right to change technical and technological requirements that it deems necessary for the use of account registration; these modifications in the requirements do not constitute a change in the regulation.

Services are provided exclusively for the benefit of:

1. Fully capable legal entities.

2. Fully capable natural persons, specifically over 18 years of age and who have not been totally or partially incapacitated;

These services are provided for a fee; these will be published on the website. The User must keep themselves informed about this each time they wish to carry out any action that entails a commission. In case of disagreement the user must withdraw the funds to close the account; commission amounts cannot be claimed once charged.

Execution of the transaction is only possible for a User who:

1.Registered and verified their account on the website and the transaction is within the verification limits.

2.Their account has logged in.

3.Made the deposit of cryptocurrencies or Fiat funds in accordance with the instruction available on the website.

4.Sent an instruction to execute a Transaction without any doubt;

5.There is no doubt in the assessment carried out of the AML / CTF risk nor any contraindication for the execution of the Transaction.

The instruction to execute a Transaction will specifically have all the parameters required for a transaction, such as the price and the amount of cryptocurrency to be sold or purchased.

When an instruction to execute a Transaction is sent, the User's funds are blocked in an appropriate amount.

The Service Provider may delimit the possibility to execute a transaction by modifying or introducing the minimum and maximum amount for the transaction of FIAT funds; these values are published on the website in the table of fees and prices.

Under no circumstances will a transaction be carried out when it exceeds the value of the retained funds (this amount includes the fee).

The user cannot request the return or exchange of Cryptocurrencies or Fiat Funds that were purchased through the website; execution of a transaction is final.

Deposits and withdrawals of cash funds and cryptocurrencies

1. The User has the right to request withdrawal of Fiat funds or cryptocurrencies available in their account.

2. There may be a time between the request for withdrawal of cryptocurrencies or Fiat funds and the moment of withdrawal to the user's bank account or address; this depends on the type of cryptocurrency or fiat fund, not on the service provider.

3. For payments, deposits and withdrawals of Fiat funds there are minimum and maximum values; these are published on the website in the fees tab; in this you will also find the user's verification level.

4. These values may be modified by the Service provider due to changes in the User verification standards or AML / CTF risk assessment. Such changes can be made specifically for each user. The user is forced to withdraw deposits that exceed the limit within the time period indicated by the Service Provider under penalty of keeping such funds in the deposit account.

5. The cryptocurrency or fiat fund may only be withdrawn after the data required by the service provider is provided if deemed necessary for AML/ CFT for that transaction.

6. Only business days are considered for deposits and withdrawals according to the regulations of the legislation of the Republic of Paraguay.

7. For withdrawals of Fiat funds or cryptocurrency to the account that belongs to or is indicated by the user, it must be identical to that provided to the Service Provider as the User's personal data.

8. X4T operates exclusively on the Binance Smart Chain (BNB). It is the User’s responsibility to ensure that funds are sent to the BNB chain correctly. If a User sends funds to a chain that is not BNB by mistake and such funds are lost, X4T assumes no responsibility for the loss. Furthermore, if the user provides an incorrect wallet address when withdrawing funds and, as a result, the funds are lost or inaccessible, X4T will not be responsible for such losses either. We urge all users to carefully verify all transactions and addresses before confirming any operation.

9. If the service provider, due to economic, technical or commercial conditions, cannot withdraw fiat funds (for example, if the service provider does not have bank accounts that allow it to hold such fiat funds), the equivalent of the user's fiat funds will be paid according to the reserve fund of the USDT/USDC stablecoin.

10.The service provider may decide which cryptocurrencies or fiat funds are allowed on the website and these may be modified/eliminated and this change will not constitute a change to the service contract.

11.If technical, economic or commercial conditions make it impossible or unprofitable to maintain such Fiat Funds, they will be excluded from the list.

12. Any exclusion of cryptocurrency will be handled with absolute discretion; the Service provider is not obligated to justify its reasons for excluding a cryptocurrency.

13.The plan to remove any fiat fund or any cryptocurrency from the list will be published at least two hours in advance. After this period, it will no longer be possible to create new orders involving this Cryptocurrency or Fiat Fund and all existing orders will be canceled. The announcement about the changes will be sent by email directly to users and by posting information on the Website.

14.The user is obligated to withdraw the cryptocurrency or fiat fund that is removed from the list within 30 days from the announcement; if they do not withdraw it, those funds will be deposited in accordance with this document.

15. The period specified in points 13 and 14 may be shorter if there are extraordinary circumstances beyond the control of the Service provider, for which it is not responsible, such as damage to the Blockchain or risk of termination of the banking relationship that provides the possibility of depositing fiat funds.

16. Once the cryptocurrency is removed, the User may not be able to withdraw due to objective technical impossibilities (such as the cancellation of the cryptocurrency’s blockchain). In such case, the User's right to claim the equivalent of the Excluded Cryptocurrency from the service provider is excluded.

17. At its discretion the service provider may decide to remove a particular trading pair from the list without excluding a cryptocurrency or a fiat fund. Such removal of a trading pair will be communicated two weeks (14 days) in advance. After this period ends, no new orders involving said pair can be created and all existing orders will be canceled. Removal of the trading pair will not constitute a change to the Service Agreement.

18. The Service Provider is not responsible for damages or losses suffered by the User in relation to the Removal of Cryptocurrencies or Fiat Funds (and deposits made in accordance with the above points) or the removal of trading pairs.

19. On occasion, X4T SA may not have the totality of FIAT funds requested for a withdrawal. In such circumstances, we undertake to deliver to the user only the amount of FIAT funds available at that time in the company. Any difference between the requested amount and the amount delivered, due to lack of availability, will be automatically returned to the user's wallet at X4T. If a user wishes to access an amount that we do not have at a given moment, they must wait for the period that the company deems necessary until these funds are at hand. Although we strive to ensure prompt availability, the exact time may vary depending on the circumstances and the liquidity present.

20. When the user comes to the store to withdraw FIAT funds, it is of vital importance and the user's responsibility to count and verify that the amount of cash delivered corresponds to the amount requested. Once the user leaves X4T's premises, claims related to discrepancies in the amount withdrawn will not be accepted. We urge users to carry out this verification on the spot and before leaving the premises to ensure their satisfaction and avoid future inconveniences.

The service provider's rights related to the implementation of a transaction and related to the operation of the website.

In additional cases the Service Provider has additional rights when there is suspicion that the transaction requested by the user or other user activity on the website may be related to the financing of terrorism, money laundering, commission of a crime or violation of the provisions of the Regulation, legal provisions or good customs; it has the right to:

• Disable the User Account;

• Refuse or stop execution of the Transaction;

• Withdraw the executed Transaction;

• Perform additional verification of the User, being able to request the presentation of documents or relevant information.

The Service Provider has the right to block the right to execute Transactions and to deposit or withdraw Fiat Funds and Cryptocurrency of the User if:

• Local authorities or laws oblige the Service Provider to do so;

• The user has not complied with their duty to provide additional and unequivocal documentation or information at the request of the Service Provider under the Regulation;

• An AML/CFT risk assessment justifies it;

• The user is located in or has a country of citizenship or country of residence that is on the list of countries excluded from the provision of Services according to the information published on the Website.

Considering the security and guaranteeing the highest quality in the services provided, the service provider has the right to:

• The right to suspend Website activity for the time of software update or for the time necessary to repair the technical failure—if this is possible in a given case, the Service Provider will notify Users on the Website about the planned technical interruption, sufficiently in advance;

• Not provide the service or interrupt it if the user is within a specific geographic area or within all geographic areas;

• Deny the possibility of registering new users.

• The right to remove certain types of Transactions.

Several of the rights specified in this paragraph may be exercised simultaneously by the Service provider.

Complaints

The user has the right to file a complaint related to the incorrect operation of the website, including the inadequate implementation of Transactions.

The complaint must be sent by email to the service provider’s address found on the website or through the website.

3. A complaint must include:

• Data that determines identification, the user's ID and the User’s contact;

• A description of the action or omission in question;

• How the User wants the Service Provider to consider the complaint;

• Other information that the User considers relevant.

Within 1 to 3 business days (this does not include Saturday, Sunday or holidays in Paraguay), the Service Provider will confirm acceptance of the complaint for analysis. Complaints will be considered based on the information provided by the User.

Complaints are considered immediately, and no later than within 15 business days (not including Saturday, Sunday or holidays in Paraguay), from the date of delivery of the complaint to the Service Provider. Within this period, the Service Provider will respond via email or the Website:

• Admit the claim in the manner requested by the User;

• Refute the complaint together with the reasons for such decision; or,

• Alternatively process the complaint.

If the complaint is extremely complex and cannot be resolved within 15 business days after receipt of the complaint, the Service Provider will inform the User of the reasons for the delay and provide information on the estimated time required to respond to that complaint.

• After receiving the proposal, the User has 20 business days (not including Saturday, Sunday or holidays in Paraguay) to accept or reject the alternatives given by the Service Provider. If there is no response within the period, it will be considered a withdrawal of the claim and it will be assumed that the Service Provider has no responsibility to the user regarding the subject of the claim. The acceptance or rejection of the service provider's proposal by the User after the deadline may be considered by the Service Provider as submitted on time.

• The user may reject the Service Provider's proposal within 20 business days (not including any day that is Saturday, Sunday or a holiday in Paraguay); the User has the right to present a defense of the rejection; in such case the described procedure will apply accordingly. Failure to defend such rejection within the mentioned period will be considered as a withdrawal of the claim and it will be understood that the Service Provider has no commitment to the User in relation to the subject of the claim.

Only the offers of alternative complaint handling will be binding if the user accepts the content and follows the instructions provided by the Service Provider within the established period. No offer shall constitute acknowledgment by the Service Provider of any misconduct or liability related to the subject of the complaint. The User's acceptance of this alternative treatment offer of a complaint constitutes acceptance that the complaint will be resolved in the specified manner, and it is the User's obligation to waive any claim arising therefrom.

Intellectual Property

X4T is a registered trademark.

• Any animation, graphic, text or any content including the functionality, distribution and placement of specific elements on the website, are works protected by copyright.

• The User is entitled to use the works within the scope of private use permitted by legal provisions.

• Any use beyond permitted private use requires prior approval of the Service Provider.

Service Provider’s Disclaimer of Liability.

The Service Provider shall not be responsible for:

• Any loss suffered by the User as a result of Transactions carried out;

• Incorrect entry of data by the User when depositing or withdrawing Fiat Funds or Cryptocurrencies;

• Consequences related to the loss or making available of Login Data by the User to third parties;

• Effects of events beyond the control of the Service Provider, i.e., software errors, difficulties in accessing the Internet, power outages, hacking attacks (despite maintaining adequate measures described on the Website), etc.

• Deletion of data entered by Users within the Service Provider's IT system of computer systems outside the Service Provider's control.

Transitional

1. If there is a dispute between one user and another user, the users release the Service Provider and third parties providing services from any fault or negligence in relation to any type of claim or claims for damage (possible profit or loss) about any type of result that arises or is related in any way to such disputes.

2. In the event of claims, the user is obligated to release the Service Provider and third parties providing service from any fault or negligence from any claim or request for repair of possible damages (be it any type of fine, fee, cost for legal assistance or sanction imposed by local authorities) that results or is related to the user's violation of this regulation or legal provisions or third-party rights.

3. Neither the service provider nor its suppliers are responsible to a user for amounts exceeding the amounts operated at the time, of what was deposited in their account or the execution of a transaction by the user.

4. The limitation of liability of the service provider and its suppliers with the user is only on the value of the transaction expressed in specific cryptocurrency or currency. Liability for loss of profit is not included, and liability for any other damage (real, direct, indirect, intangible, etc.), regardless of whether it arises from contract, tort, negligence, etc., resulting from or related to the authorization or unauthorized use of the Website is limited to the value of the funds provided by the User for the execution of a definitive Transaction subject to the previous section.

5. The service provider makes no warranty that access to the website or services or any material contained therein will be uninterrupted, error-free or timely. The service provider, to the extent permitted by law, excludes all implied warranties regarding service availability.

6. The Service Provider does not offer any warranty or security as to the completeness of historical cryptocurrency price data available on the website.

7. The Service Provider will try to process requests for a Transaction with bank accounts or credit cards without undue delay, but the Service Provider does not provide any guarantee regarding the time necessary to complete the processing of such Transactions, which depends on various factors beyond the control of the service provider.

8. The Service Provider is not responsible for any action or consequence for events beyond its control and without fault of the Service Provider, for example: seizures, riots, government restrictions, insurrection, wars or other acts of war, terrorist acts, social unrest, rebellion, hacking attacks (including DD.S attacks, theft or destruction of data), floods, fires, vandalism or sabotage.

9. .The Service Provider will take the utmost care to protect the Website and the User's funds against unwanted interruptions by third parties. The security measures adopted are described in the Security Policy, the content of which the User reads and accepts, considering sufficient the security measures adopted by the Service Provider.

ADDITIONAL REMARKS.

1. Legal Agreement These Terms and Conditions constitute a legal and binding agreement between X4T S.A. and the User, governing the use of the platform and the services offered. By registering, accessing or using the platform, the User declares that they have read, understood and expressly accepted all the terms set forth herein, undertaking to comply with them in accordance with applicable law.

2. Safeguard of clauses If any provision of these Terms and Conditions is declared null, invalid or unenforceable by a competent authority, such provision shall be deemed severed, without affecting the validity of the rest of the document, which shall remain in force in all its terms.

3. Governing law and dispute resolution This contract is governed by the laws of the Republic of Paraguay. In case any controversy arises between the parties related to these Terms and Conditions, resolution will first be sought through direct dialogue, mediation or conciliation before a competent entity. Only if no agreement is reached by these means will the parties submit to the jurisdiction of the ordinary courts of the city of Asunción, Paraguay.

4. Prohibition of improper uses The User undertakes not to use the platform for illicit, fraudulent, defamatory purposes or that violate the rights of third parties, including intellectual property, privacy and consumer protection regulations.

5. Consent to electronic communications The User expressly authorizes X4T S.A. to send notifications, legal notices, informational or promotional messages by electronic means, in accordance with applicable regulations on the protection of personal data and digital communications.