ExOnTime APP AND WEB T&Cs

1. INTRODUCTION

1.1. The ExOnTime App Services and ExOnTime Web Services (described below) are provided to you by Ex On Time Limited (together with its affiliates, "ExOnTime"). Ex On Time Limited (incorporated on 19 September 2018, with company registration number C 88950 and registered address situated at Level 7, Spinola Park, Triq Mikiel Ang Borg, St Julians SPK 1000, Malta).

The Company provides the following Digital Asset services: Reception and transmission of orders for Digital Assets on behalf of clients; Execution of orders on behalf of clients; Custody and administration of Digital Assets on behalf of clients; Exchange of Digital Assets for funds; Exchange of Digital Assets for other crypto assets; Transfer services for Digital Assets on behalf of clients.

1.1A. Payment Services for Electronic Money Tokens. In addition to the Digital Asset services described in Clause 1.1, and in accordance with European Banking Authority Opinion 2025/08, the Company has obtained limited authorisation from the Malta Financial Services Authority ("MFSA") under the Financial Institutions Act (Chapter 376 of the Laws of Malta) ("FIA") with Reference Number: FLIM10 to provide payment services solely in connection with EMTs.

1.2. These terms and conditions ("Terms" or "T&Cs"), as well as any attached country annexes and/or product schedules (together "Annex") (if any), will apply to your use of the ExOnTime App Services and ExOnTime Web Services. Please take the time to read and understand these Terms before using these services so that you are aware of your legal rights and obligations.

1.3. By using the ExOnTime App Services and ExOnTime Web Services and/or completing the sign-up process, you are entering into a binding contract with us and shall be deemed to have expressly read, understood and agreed to be bound by these Terms.

2. DEFINITIONS AND INTERPRETATION

• "Applicable Law" means any law, rule, statute, regulation, by-law, order, or guideline published or in force at any time which applies to or is otherwise intended to govern or regulate any person properties, transaction, activity, event or other matter, including MiCA and the Financial Institutions Act of Malta ("FIA").
• "ExOnTime App" means the mobile application software developed, owned and released by ExOnTime.
• "ExOnTime Web" means the website and platform operated by ExOnTime.
• "Digital Asset" means any digital representation of value or rights which may be transferred and stored electronically, using distributed ledger technology or similar technology.

3. USE OF TRADING TOOLS

3.1 You may utilise ExOnTime App Trading Tools including proprietary automated trading bots, API integrations, and other user-authorised software tools.

3.2 Authorised Instructions: You agree that any instruction submitted via a Trading Tool that has been authorised by You constitutes a valid and binding instruction from You.

4. OTHER PROVISIONS APPLICABLE TO OUR SERVICES

4.1. ExOnTime reserves the right to, in its sole discretion, refuse to process or to cancel any pending request for any Transaction, including for purposes of compliance with Applicable Law.

4.2. Digital Assets are stored in a combination of online and offline storage. You accept the risk that Transactions may be delayed for security verification for 48 hours or more.

5. FEES

5.1. Your use of the Services may be subject to certain Fees. All applicable Fees are exclusive of any applicable Taxes.

6. INTELLECTUAL PROPERTY RIGHTS

6.1. You acknowledge and agree that the ExOnTime trademarks, logos, and service marks are the property of ExOnTime or third-party licensors. No part of the Services may be reproduced or distributed without our prior written permission.

7. DATA PROTECTION

7.1. By using the Services, you confirm that you have read, understood and accepted our Privacy Notice. We will only share your Personal Data in order to facilitate and administer your use of the Services or if required by Applicable Law.

8. LIMITATION OF SERVICES / TERMINATION

8.1. Subject to Applicable Law, ExOnTime may at any time terminate, suspend, or limit your use of the Services for any reason, including breach of terms, compliance with laws, or suspicious activity.

9. LIMITATION OF LIABILITY

9.1. EXCEPT AS EXPRESSLY PROVIDED, WE DISCLAIM ALL REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE SERVICES. OUR AGGREGATE LIABILITY SHALL NOT EXCEED THE FEES YOU PAID US DURING THE 12 MONTH PERIOD PRECEDING THE CLAIM.

10. GOVERNING LAW AND JURISDICTION

10.1. These Terms are governed by and shall be construed in accordance with the laws of Malta.

10.2. Any dispute arising in connection with these Terms shall be referred to and finally settled by arbitration in accordance with the UNCITRAL Rules of Arbitration in Malta.