These Terms constitute a legally binding agreement between you (“you” or “your”) and the Digital Access Zone, its officers, agents, delegates, and affiliates, owned by the company Tools for the Commons LLC (“DAZ”, “we”, “our” or “us”). The Terms govern your use of the DAZ Services made available to you on or through the Platform or otherwise. The purpose of these Terms is to govern your use of the DAZ Services made available to you on or through the Platform, and to provide for clarity and legal stability with respect to the rights and mutual obligations of the parties.DAZ Services may be provided by DAZ or, if specified in these Terms, any additional Terms.

‍Initial Considerations

‍By registering for a DAZ Account, accessing the Platform, and/or using the DAZ Services, you confirm that you have read, understood, and accepted these Terms, as well as any applicable laws, regulations, documents, or terms referenced herein. You further declare that you have had sufficient opportunity to become informed about the legal framework governing the Jurisdiction applicable to your use of DAZ Services, including any relevant authority, laws and regulations. You expressly acknowledge and declare that you are aware of and will comply with all regulations applicable to activities conducted within the Jurisdiction you have an Entity or a Digital Residency. You also agree to be bound by these Terms as they may be updated or amended from time to time.DAZ may grant you a Digital Residency, which is a personal, non-assignable license to access the platform to conduct authorized activities within a specific Jurisdiction. The terms for such Digital Residency, if applicable, will be governed by a separate, jurisdiction-specific terms of use document.If you do not understand and accept these Terms in their entirety, you should not register for a DAZ Account or access or use the Platform or any DAZ Service.Unless expressly stated otherwise in these Terms, any provision referring to “you”, “your”, or to the DAZ Account shall also apply, mutatis mutandis, to any entity owned, controlled, or represented by you through the Platform. By incorporating an Entity using the DAZ Services, you acknowledge and agree, in your capacity as the legal representative of such Entity, that the Entity shall be bound by these same Terms, as accepted by you upon creation of your DAZ Account, and that you are duly authorized to bind the Entity to such Terms.

‍Definitions and Interpretation

‍In these Terms:

a. clause headings and numbering are for convenience only and do not affect the meaning, priority or interpretation of any clause or sub-clause of these Terms;
b. the words “include” or “including” shall mean including without limitation and include without limitation respectively;
c. any undertaking to do or not do a thing shall be deemed to include an undertaking not to permit or suffer the doing of that act or thing;
d. words importing the singular include the plural and vice versa and words importing a gender include any gender;
e. any reference to a document is to that document as amended, varied or novated from time to time otherwise than in breach of these Terms or that document.

‍DAZ Account means a user-specific account created upon registration with DAZ, which serves as the primary interface for accessing and using DAZ Services through the Platform. A DAZ Account enables an individual to carry out authorized digital, commercial, and financial activities in accordance with the Applicable Regulation.

‍DAZ Services means the suite of digital, administrative, legal, and operational services provided by DAZ through the Platform, enabling users to participate in the digital economy within a Jurisdiction. These services include, but are not limited to: the issuance and management of Digital Residency (where applicable and governed by separate terms); the incorporation, governance, and operation of Entities; access to financial infrastructure supporting fiat and digital asset transactions; identity verification (KYC/KYB); contract generation; invoicing; and other tools designed to support lawful digital and commercial activity under the relevant regulatory framework. DAZ Services may be provided directly by DAZ or by its affiliates, partners, or delegated entities, and are subject to these Terms and any additional Terms or supplementary agreements.

‍Competent Authority means the governmental or regulatory body, with the mandate to administer, regulate, and oversee the operations within the Applicable Jurisdiction, including the issuance of regulations, enforcement of compliance, supervision of Digital Residency (where applicable) and Entities, and resolution of disputes arising within the Jurisdiction.Entity means a legal entity with legal personality into the DAZ Services, owned by one or more users of the DAZ. 

‍Applicable Jurisdiction or Jurisdiction refers to the specific legal and regulatory territory whose laws and regulations govern your Digital Residency or Entity. This includes the legal framework, laws, and any relevant authority that administers, regulates, and oversees operations within that territory.

‍Applicable Regulation means the body of legal instruments, including but not limited to laws, regulations, rules, circulars, directives, awards, and administrative or judicial decisions, enacted or issued by the Competent Authorities of the Applicable Jurisdiction, which govern the legal, regulatory, and operational framework applicable to Digital Residents (where applicable), Entities, and users of DAZ Services. These regulations shall be binding on all individuals and entities operating within or through the DAZ Services.

‍Permitted User means any natural person who is duly authorized by you to access and use your DAZ Account or any part of the DAZ Services on your behalf, including employees, officers, directors, shareholders, agents, or legal representatives of an Entity, as applicable. Permitted Users must be explicitly designated by you through the Platform, and their access is subject to successful identity verification (KYC) and ongoing compliance with these Terms, the AML Policy, and Applicable Regulations. You remain fully responsible for all actions and omissions of your Permitted Users as if they were your own.

‍Fiat Currency means any government or central bank issued national, or supra-national, currency, or other monetary obligation denominated in such currency and which is not a Digital Asset.

‍Digital Asset is the virtual or electronic representation of value - whether real or digital. Digital Assets constitute property capable of being owned, transferred, secured and utilized for payment, investment or other purposes.

‍Supported Digital Assets means the digital assets, cryptocurrencies, tokens, or other blockchain-based representations of value that are approved by DAZ for use on the Platform. These may include stablecoins, utility tokens, corporate governance tokens, and other cryptographic assets that comply with Applicable Regulations and are technically integrated into the Platform’s infrastructure. DAZ may, at its sole discretion, add, suspend, or remove any Supported Digital Asset at any time, with or without prior notice, based on regulatory, technical, security, or risk considerations. Only Supported Digital Assets may be used for Transactions involving deposits, withdrawals, swaps, invoicing, payments, or any other function made available through the DAZ Services.

‍Transaction means any activity, operation, or instruction initiated, executed, or processed through the Platform or DAZ Services that involves the movement, exchange, registration, or modification of value, rights, or obligations. This includes, but is not limited to: (i) transfers of fiat currency or Digital Assets; (ii) issuance, execution, or settlement of smart contracts; (iii) invoicing and payment processing; (iv) company creation, amendment, or governance actions; and (v) any action resulting in a legal or financial effect within or through the DAZ ecosystem. All Transactions are subject to Applicable Regulations, the AML Policy, and any additional verification, review, or compliance procedures deemed necessary by DAZ.

‍Access ID means any unique identifier, credential, or authentication method used to access your DAZ Account and the Platform, including but not limited to cryptographic wallet signatures, login credentials from third-party providers, passwords, security tokens, biometric data, or multi-factor authentication codes. Access IDs are personal and non-transferable, and you are solely responsible for maintaining their confidentiality and for all activities conducted through your DAZ Account using such credentials.

‍Third Party Provider means any independent entities, service providers, contractors, subcontractors, affiliates, or partners, whether individuals or legal persons, who are not controlled by or under common control with DAZ, but who may offer, operate, or facilitate access to products, services, software, infrastructure, or content through or in connection with the DAZ Services or Platform. This includes, but is not limited to, blockchain networks, custodians, payment processors, KYC/AML service providers, data analytics tools, communication platforms, and identity verification systems.

‍Force Majeure Events means:
a. any fire, strike, riot, civil unrest, terrorist act, war or industrial action;
b. any natural disaster such as floods, tornadoes, earthquakes and hurricanes;
c. any epidemic, pandemic or public health emergency of national or international concern;
d. technical failures in transmission, communication or computer facilities including power failures and electronic or equipment failures;
e. the failure of any supplier, intermediate broker, agent, principal custodian, sub-custodian, dealer, exchange, staking platform, liquidity pool, bridge provider, issuer of a Backed Digital Asset, market maker, clearing house or regulatory organisation to perform its obligations to us;
f. any labour or trade disputes, strikes, industrial actions or lockouts (other than in each case by DAZ or the DAZ Affiliates); and/org. any other event beyond our reasonable control.

‍Platform means the digital platform that we may make accessible to you via Website, Mobile App, a DAZ API or by such other means as DAZ Affiliates may prescribe from time to time for the use of DAZ Services, including the underlying technology and infrastructure that supports user onboarding, company creation and management, financial operations (fiat and crypto), invoicing, contract creation, and identity verification (KYC/KYB).

‍Security Breach means:a. your DAZ Account(s) or any of your Access IDs have been compromised;b. the loss, theft, or unauthorised use of any of your Access IDs or any unauthorised access to and use of your DAZ Account or the DAZ Services on your behalf; orc. any other security incident (including a cyber-security attack) affecting you and/or DAZ.

‍Terms means these terms of use, together with any other documents expressly incorporated by reference, in each case as amended or supplemented from time to time.

‍Website means the collection of web pages and related content that are hosted into the domain toolsforthecommons.com. It includes all associated services, tools, and features provided by DAZ, and may encompass content such as text, images, videos, and interactive elements.

‍Fee Structure means the schedule of fees, charges, and pricing models applicable to the use of DAZ Services, as published and updated from time to time on the Website or Platform. The Fee Structure outlines the costs associated with various services provided by DAZ, including but not limited to the issuance and maintenance of Digital Residency (where applicable), incorporation and operation of Entities, use of financial tools, smart contract functionality, invoicing, identity verification, and any other applicable services or transactions.

‍Manifest Error means any error, omission, or obvious mistake that is clear and indisputable to a reasonable person, including but not limited to typographical errors, miscalculations, or system malfunctions that result in incorrect pricing, execution, data entry, or display of information on the Platform. 

‍INFORMATION ABOUT OUR AGREEMENT WITH YOU

1. Introduction

1.1. About us. The DAZ is a software interface enabling individuals to be onboarded into, transact within and comply with a Applicable Jurisdiction. The DAZ offers users a comprehensive financial management system, allowing users to open and manage companies (Entities), store and transact Digital Assets, manage and enter into contracts, create invoices, and access other legal-related services within the Applicable Jurisdiction.

1.2. These Terms. By registering to open a DAZ Account you are entering into a legally binding agreement with us and agreeing to comply with all laws and regulations applicable within the Jurisdiction. These Terms will govern your use of the DAZ Services and establish your identity, how we will provide the DAZ Services to you, how these Terms may be changed or terminated, and what to do if there is a conflict.

‍1.3. Additional documents. These Terms refer to a number of additional rules and regulations that govern your use of the DAZ Services. This includes:
a. The applicable laws, regulations, rules, circulars, awards, or orders relevant to the Jurisdiction.
b. The Fee Structure found on our Website.
c. AML policyYou acknowledge that you will be bound by, and agree that you will comply with, any relevant additional terms and conditions that apply to your use of the DAZ Services.

‍2. Eligibility

2.1. Eligibility criteria. To be eligible to register for a DAZ Account and use the DAZ Services, you must:
a. be an individual, with the full authority and capacity to (1) access and use the DAZ Services; and (2) enter into and comply with your obligations under these Terms;
b. be at least 18 years old;
c. not have been previously suspended or removed from using DAZ Services;
d. not be, or be related to any person or entity that is listed on any applicable sanctions, watchlist, or restricted parties list issued by any governmental, supranational, or regulatory authority.
e. not currently have an existing DAZ Account.

‍2.2. Amending our eligibility criteria. We may amend our eligibility criteria at any time at our sole discretion. Where possible, we will give you notice in advance of the change. Where we are unable to give you advance notice, we will let you know of the change as soon as possible after it is made.

‍3. Official Communication Channels

3.1. How you can contact us. If you have questions, feedback or complaints you can contact us via our Support team at contact@toolsforthecommons.com. These Terms may specify contact details for particular notices.

‍3.2. How we will contact you. We will contact you using the details you provide to us. This includes contacting you by email, SMS messages or phone calls. It is important that you ensure that your contact details are correct and up to date. If your contact details change, you must let us know immediately. If you do not, we will not be held liable if you do not receive information, notices or other important information from us.

‍4. DAZ Services

4.1. Specific product terms. Upon opening a DAZ Account, you may access and use various DAZ Services, each subject to these Terms. Certain DAZ Services may be governed by additional terms and conditions, which will apply in conjunction with these Terms. In the event of any conflict between these Terms and additional Terms, the most specific Term shall prevail with respect to the relevant DAZ Service.

‍5. Fees and Taxes

5.1. Payment of fees. You agree to pay all applicable fees in connection with your use of the DAZ Services as set out on the Fee Structure page on our Website, or as otherwise informed through official communications channels.You authorize us to deduct all applicable fees, commissions, interest, taxes and other sums that you owe from your DAZ Account under these Terms or any other Terms in accordance with the method of calculation set out on our Fee Structure page. In the event that there are insufficient Digital Assets in your DAZ Account, you acknowledge that any amount due and payable by you under this clause is a debt immediately due to us in such amount and form (whether in the form of a Digital Asset or otherwise) as we may determine, acting in a commercially reasonable manner.

‍5.2. Amending our fees. We may adjust our fees from time to time.

‍5.3. Calculations. Any calculations made by DAZ in connection with the DAZ Services are final and binding on you in the absence of Manifest Error. Calculations will be made in accordance with the methodology stated for the relevant DAZ Service, at our discretion and in good faith.

‍INFORMATION ABOUT YOUR DAZ ACCOUNT

Creating a DAZ Account

6.1. Account opening. To access and use the DAZ Services and Platform, you must register for and maintain an active DAZ Account. Upon successful registration, and subject to compliance with all legal, regulatory, and procedural requirements, according to our AML policy and Applicable Regulations, you will be granted access to your DAZ Account, which includes a crypto wallet for transactions and the execution of smart contracts. Your DAZ Account serves as the primary interface for transacting, incorporating and onboarding companies, applying for Digital Residency, and navigating among various Jurisdictions.All DAZ Accounts are provided at our sole and absolute discretion. We reserve the right to reject any application for a DAZ Account without providing a reason, and to limit the number of Entities you may manage through your DAZ Account.The Competent Authority of each relevant Jurisdiction shall conduct its own due diligence and may carry out any investigations it deems necessary regarding individuals seeking Entity incorporation or approval for Digital Residency in that Jurisdiction. The approval or denial of such requests rests entirely with the Competent Authority and may be refused at its sole discretion.

‍6.2. Sole benefit. By opening a DAZ Account you agree that:a. where you are an individual user, you will use your DAZ Account only for yourself, and not on behalf of any third party; orb. where you are creating a DAZ Account on behalf of an Entity, you have the legal authority to bind that company to these Terms, including providing company details such as single or multi-shareholder status, jurisdiction, legal inception date, legal and trading names, address, main activity, and chain selection; orc. you are a Permitted User.You are fully responsible for all activity that occurs under your DAZ Account, including the management of company-specific settings like decision-making thresholds for multi-shareholder companies.

‍6.3. Identity verification (KYC). You will be required to comply with our identity verification procedures, in accordance with our Anti-Money Laundering and Counter-Terrorist Financing Policy (“AML Policy”), before you are permitted to open a DAZ Account and access or use the DAZ Services. Verification may occur directly through the Platform or via integrated third-party services, and will require you to provide certain information about yourself and, where applicable, your Permitted Users. All information provided must be complete, accurate, and truthful, and you are responsible for keeping such information up to date at all times.You acknowledge and agree that the information you provide may be shared with Competent Regulatory Authorities within the applicable jurisdiction and, where required by law or valid legal request, with other governmental authorities.You expressly authorize us, and the Competent Authority where applicable, to conduct any inquiries deemed necessary to verify your identity or the identity of any Permitted Users, and to protect you and/or us from fraud, money laundering, terrorist financing, or any other form of financial crime. These inquiries may involve disclosing your personal information to identity verification providers, compliance databases, credit reference agencies, fraud prevention entities, or financial crime monitoring systems, and such entities may respond to our inquiries with relevant information about you.In accordance with our AML Policy, we reserve the right to monitor, analyze, and report on all transactions conducted through the Platform on an ongoing basis. We may restrict, delay, suspend, or terminate your access to the DAZ Services where any activity is deemed suspicious, non-compliant, or in violation of applicable laws or regulations.

‍6.4. Enhanced due diligence (KYB). We may also require you to comply with our enhanced due diligence procedures, by submitting additional information about yourself or your company, providing additional records or documentation, or having face to face meetings with representatives of DAZ, as well as Competent Authorities. This includes the Know Your Business (KYB) process initiated after providing company details to verify the company's legality and existence.

‍6.5. Records. We keep your personal data to enable your continued use of DAZ Services, for as long as it is required in order to fulfill the relevant legal obligations, and as may be required by law such as for tax and accounting purposes, compliance with anti-money laundering laws, or as otherwise communicated to you.

‍7. Information Requests

7.1. When we may request information. We may require information from you at any time for the purposes of complying with the Applicable Regulations or with our AML Policy, identity verification requirements, or in connection with the detection of money laundering, terrorist financing, fraud, or any other financial crime, or for any other valid reason. You agree to provide us with any such information we request and permit us to keep a record of the information for the lifetime of your DAZ Account as long as it is required to fulfill their intended purposes, or such other period as prescribed by Applicable Regulations.

‍7.2. What happens when you provide information. Your access to your DAZ Account may be altered as a result of information collected about you on an ongoing basis. If there is a reasonable suspicion that any information provided by you is wrong, untruthful, outdated, or incomplete, we may send you a notice to request corrections, remove relevant information, or do such other things that we consider necessary to ensure that the information provided by you is true and correct.

‍7.3. If you fail to provide any requested information. You must comply with any information request we send to you. If you decline to provide the requested information, or otherwise do not comply in a timely manner, we reserve the right to suspend or terminate your access to your DAZ Account immediately, without notice.

‍8. Accessing your DAZ Account

8.1. Access. To access your DAZ Account, you must have an internet-connected device and use the Platform or any other access method we may make available from time to time. Access to your DAZ Account is granted through authentication credentials provided or accepted by us (“Access IDs”), which may include Web3-compatible login solutions. This includes integration with commonly used crypto wallets (such as MetaMask and similar Web3 wallets), as well as traditional authentication providers (such as Google, Outlook, and GitHub).We may require multi-factor authentication or other security measures to ensure the integrity and security of your DAZ Account. Your use of the Platform and any access method is subject to these Terms and any additional terms or technical requirements we communicate to you from time to time.

‍9. Account Information and Transaction Records

9.1. Your Account History. You will be able to access your account history on the Platform, which includes a clear distinction between company and personal wallet balances. You acknowledge and agree that all transactions conducted through the Platform are final and irreversible. We do not assume any responsibility for transactions made by you, including those involving third parties.You acknowledge and agree that you shall be solely responsible for your own transactions with any third parties.

‍USING YOUR ACCOUNT

10. Transactions

10.1. Executing  Transactions. You may execute Transactions either directly with DAZ, with other users or with Third Parties through the Platform. Transactions include, without limitation, the sending, receiving, depositing, withdrawing, and swapping of Fiat Currency and Digital Assets, as well as the generation and execution of invoices and smart contracts. All Transactions are subject to these Terms, the AML Policy, and Applicable Regulations.While we facilitate the technical infrastructure for initiating and processing Transactions, we do not guarantee that any Transaction will be completed successfully, or within any specific timeframe. You acknowledge and accept the risks associated with network delays, third-party service dependencies, and blockchain-related confirmation times.

‍10.2. Unauthorized Transactions. You are responsible for the control and use of your DAZ Account. As such, we will assume that you have authorized any Transaction in your DAZ Account unless we are notified otherwise. It is important that you monitor your account history to ensure any unauthorized or suspicious activity on your DAZ Account is identified and notified to us as soon as possible. We are not responsible for any claim or losses resulting from an unauthorized Transaction unless you have notified us in accordance with this clause and it is confirmed by our internal investigation that you, have not authorized in any way, even by mistake, negligence, error or as a consequence of a fraud and it is proven that the unauthorized Transaction is solely due to a technical issue attributable to DAZ.

‍10.3. Retention of Transaction information. To facilitate compliance with global industry standards for data retention, you agree to permit us to keep a record of all Transaction information for the lifetime of your DAZ Account as long as it is required to fulfill their intended purposes.

‍11. Supported Digital Assets

11.1. Supported Digital Assets. The DAZ Services are only available in connection with Supported Digital Assets, which may change from time to time. A list of the Supported Digital Assets is published on our Website. We may remove or suspend one or more Digital Assets from the list of Supported Digital Assets and we will use reasonable commercial efforts to notify you in advance, meaning that you will no longer be able to deposit such Digital Assets and will only be permitted to withdraw the Digital Asset from your DAZ Account.Digital Assets, including tokens and cryptocurrencies, are known for their price volatility and may experience significant fluctuations over short periods of time. The prices of digital assets can be affected by a variety of factors, including but not limited to market changes, government regulations, and unforeseen events.Trading digital assets also involves additional risks, such as lack of regulation, limited liquidity, and potential exposure to fraud and cyberattacks. Users should conduct their own research and analysis before engaging in transactions involving digital assets and should be prepared to assume the risks associated with such activities.

‍11.2. Collateralized Digital Assets. We may from time to time support Digital Assets that purport to be backed by or otherwise tied or pegged in value to another asset, including without limitation Digital Assets, Fiat Currency or commodities such as silver or gold (“Collateralized Digital Assets”). You acknowledge and agree that (a) you have read, understood and accepted all of the terms and conditions and risks associated with each particular Collateralized Digital Asset before entering into any Transaction relating to it  and (b) DAZ does not and will not in any circumstances have any no obligation whatsoever to purchase, repurchase or effect or facilitate the redemption of your Collateralized Digital Assets. We reserve the right to change, suspend, or discontinue any service in relation to any Collateralized Digital Asset at any time in our sole discretion.

‍12. Account Security

12.1. Your responsibility. You are responsible for taking appropriate action to protect your hardware and data from viruses and malicious software, and any inappropriate material. You are responsible for backing up and maintaining duplicate copies of any information you store or transfer through the DAZ Services. We are not responsible for any claim or losses resulting from your failure to comply with this clause.

‍12.2. Security measures. At all times, you shall maintain adequate security and control of all of your Access IDs. You are responsible for taking the necessary security measures (or ensuring that your Permitted Users take such measures) to protect your DAZ Account and to keep your Access ID secure, including:
a. strictly abiding by all of our mechanisms or procedures;
b. creating a strong password and maintaining security and control of your Access IDs;
c. keeping the Email Account and telephone number provided to us up to date in order to receive any notices or alerts that we may send you;
d. never allowing remote access or sharing your computer and/or computer screen with someone else when you are logged on to your DAZ Account;
e. remembering that under no circumstances will we ask you to share your passwords or 2-factor authentication codes; and
f. logging out from the Sites or the Platform at the end of each visit.You must keep the email account and Access IDs secure against any attacks and unauthorized access. You must notify us immediately if you have knowledge or have reason for suspecting that the security of your email account, or that of a Permitted User, has been compromised or if there has been any unauthorized use of your or any Permitted User’s Email Account.

‍12.3. Monitoring your Account History. It is important that you monitor your account history to ensure any unauthorized or suspicious activity on your DAZ Account is identified and notified to us as soon as possible. You acknowledge that any security breach may result in unauthorized access to your DAZ Account by third parties and the loss or theft of any Digital Assets and/or funds held in your DAZ Account and any associated accounts.

‍12.4. If you suspect a Security Breach. If you suspect a security breach, you must ensure that:
a. we are notified immediately using the details set out in clause 3.1 and continue to be provided with accurate and up to date information throughout the duration of the security breach;
b. your DAZ Account is immediately locked via the disable account function on the Platform or via any other method as may be prescribed by us from time to time; and
c. you take any other steps that we may reasonably require to reduce, manage or report any Security Breach.We reserve the right to request, and you agree to promptly provide, any and all information and documents we deem relevant or necessary in connection with an actual or suspected security breach. You further acknowledge and agree that we may provide such information to any third party that we deem necessary in order to investigate or resolve any Security Breach.

‍OTHER IMPORTANT INFORMATION

13. Privacy

13.1. The Privacy Notice. You acknowledge and agree that we may collect, use, store, and otherwise process personal data relating to you that you have provided to us, or that we have collected from you, in connection with your use of the Platform and DAZ Services. This may include information required for identity verification, transaction monitoring, and compliance with applicable laws and regulations, including the Applicable Regulations and our AML Policy.You further understand and accept that certain personal or transactional data including, where applicable, cryptographic identifiers or hashes linked to your identity may be recorded on public blockchains as part of your use of the Platform. Such records may be permanent, immutable, and accessible to third parties beyond our control. DAZ does not have the ability to alter, delete, or restrict access to information stored on public blockchain networks, and disclaims all responsibility for the persistence or visibility of such data.\
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‍14. Changes to the Terms

14.1. How and when we can make changes. We can make changes to these Terms and any terms and conditions incorporated by reference at any time and your continued use of the DAZ Services constitutes your consent to such changes. Changes to these Terms will be published on our website and may also be notified to users separately by email, through the app or by such other means as we determine at our discretion.Generally, we will try to notify users prior to changes to these Terms taking effect. However, we may occasionally need to make changes that are effective immediately, in which case users will be notified as soon as possible after the changes take effect. The circumstances in which changes to these Terms may take effect immediately may include, for example and without limitation, where:
a. the change is to address legal and/or regulatory requirements;
b. the changes are to make these Terms clearer; and/or
c. the changes are to introduce new functionalities or services on the Platform, such as the ability to create and manage companies, invite shareholders and team members, or new financial tools like invoicing and contract creation.

‍14.2. When Changes Take Effect. Unless stated otherwise, any updates to these Terms will take effect after we have notified users of the changes. If you do not agree to the updated Terms, you may close your DAZ Account in accordance with clause 16.1. Continued use of any DAZ Services after the changes take effect will constitute your acceptance of the revised Terms.

‍14.3. Revisions to Fee Structure We may also make changes to the Fee Structure page on our Website, which includes introducing new fees and/or charges. If you do not wish to accept the changes, you are free to close your DAZ Account in accordance with the clause.

‍15. Closing your DAZ Account

15.1. Account Closure. You may terminate your DAZ Account at any time by following the account termination procedures made available on the Platform, as updated from time to time. No fees will be charged for terminating your DAZ Account; however, you remain responsible for settling any outstanding obligations, including unpaid fees, charges, taxes or liabilities incurred prior to termination.By initiating the termination process, you expressly authorize us to cancel or suspend any pending Transactions associated with your DAZ Account, and to deduct from your account balance any amounts due. Account termination does not affect any rights or obligations accrued prior to the effective date of termination, nor does it relieve you from compliance with any ongoing legal or regulatory obligations arising from your use of the DAZ Services.In certain cases, you may not be able to close your DAZ Account, including where:
a. you are trying to evade an investigation by relevant authorities;
b. you have outstanding obligations with third parties or with us.c. your DAZ Account is subject to a freeze, hold, limitation or reserve.

‍15.2. After Your Account Is Closed. If your DAZ Account is closed, you will be required to withdraw all Digital Assets held in your DAZ Account. In the event that you fail to withdraw your Digital Assets, or if you have not accessed your DAZ Account for a continuous period of 90 days, we will send you notice of our intention to treat your account as dormant, or otherwise as required by Applicable Regulations.

‍16. Termination, Suspension, Holds and Restrictions

16.1. Our right. We may at any time modify or discontinue, temporarily or permanently, any portion or feature of the DAZ Services. In particular, we may: (1) refuse to complete or block; (2) terminate, suspend, or restrict your access to any or all of the DAZ Services; (3) terminate, suspend, close, hold or restrict your access to DAZ Account; and/or (4) take whatever action we consider necessary, in each case with immediate effect and for any reason including, but not limited to where:
a. You are not, or are no longer, eligible to use one or more DAZ Services;
b. We have reasonable suspicions of illicit conduct, including but not limited to:

i. The person accessing your DAZ Account is not you, or we suspect that the DAZ Account has been or will be used for illegal, fraudulent, or unauthorized purposes; 
ii. Information provided by you is incorrect, untruthful, outdated, or incomplete;

c. You have breached these Terms or any other applicable terms;
d. You have breached any express or implied warranties in these Terms, or any representations you have made;e. Any Transaction is unauthorized, erroneous, fraudulent, or unlawful, or we have determined or suspect that your DAZ Account or the DAZ Services are being used in a fraudulent, unauthorized, or unlawful manner;
f. There is any occurrence or suspicion of money laundering, terrorist financing, fraud, or any other criminal activity connected to your DAZ Account or use of the DAZ Services;
g. Your DAZ Account is subject to pending, ongoing, or threatened litigation, investigation, or judicial, governmental, or regulatory proceedings, or we perceive a heightened risk of legal or regulatory non-compliance related to your account activity;
h. Issues arise concerning the verification of your identity;
i. You have taken any action that may circumvent our controls, such as opening multiple DAZ Accounts without our prior written consent or abusing any promotions offered by us;j. You have violated any Applicable Regulations;
k. There exists any other valid reason necessitating such action.We will take reasonable steps to provide you with appropriate notice of any such actions. However, there may be circumstances where we are legally required not to provide notice.

‍16.2. Your acknowledgement. You acknowledge and agree that:
a. the examples set out in clause 16.1 above of when we might take action to terminate, suspend, close or restrict your access to your DAZ Account and/or the DAZ Services is a non-exhaustive list; and
b. our decision to take certain actions, including, without limitations, to terminate, suspend, or restrict your access to your DAZ Account or the DAZ Services, may be based on confidential criteria that are essential to our risk management and security protocols. You agree that we are under no obligation to disclose the details of our risk management and security procedures to you.

‍YOUR OBLIGATIONS AND LIABILITY

17. Prohibited Use

‍By opening a DAZ Account, without prejudice to any other restriction or limitation set out in these terms, you agree that you will not:
a. breach these Terms or any agreement entered into pursuant to, or in connection with, these Terms;
b. use DAZ Services in a manner that violates our AML Policy;
c. engage in fraudulent activities, or cause us to suspect that you or any Permitted User have engaged in fraudulent activities and/or Transactions;
d. provide false, inaccurate or misleading information in connection with your use of the DAZ Services, in communications with us, or otherwise connected with these Terms;
e. attempt to circumvent any security or access controls on the Platform, including those related to multi-factor authentication or crypto wallet integrations.

‍18. Governing Law

‍These Terms, including this arbitration agreement, shall be governed by, and construed in accordance with, the laws and regulations applicable within the laws and regulations of the Zone for Employment and Economic Development (ZEDE) of Próspera, Honduras, unless otherwise disposed otherwise by specific Terms of the Applicable Jurisdiction where the DAZ Services are being utilized.

19. Limitation of Liability for Third Party Providers

19.1 You acknowledge and agree that DAZ is solely responsible for the provision of services and functionalities that are directly and exclusively developed, operated, or controlled by DAZ. To the maximum extent permitted by applicable law, DAZ shall not be liable for any loss, damage, claim, liability, or expense arising out of or in connection with your use of any product or service provided by Third Party Providers, whether or not such services are accessed through or integrated into the DAZ Platform.

19.2 You understand and accept that all products, services, content, or infrastructure made available by Third Party Providers are subject to the terms and conditions, privacy policies, and legal obligations of such providers. DAZ does not assume, endorse, or guarantee the performance, security, legality, or availability of any service or offering provided by a Third Party Provider. You expressly agree that any legal or financial liability arising from your interaction with a Third Party Provider shall be borne solely by such provider.

19.3 DAZ makes no representations or warranties, express or implied, regarding the services, reliability, or suitability of any Third Party Provider. The integration or availability of a Third Party Provider within the DAZ Platform does not constitute an endorsement, recommendation, or guarantee of such provider by DAZ.

19.4 A current and non-exhaustive list of Third Party Providers integrated or accessible through the DAZ Platform will be made available and periodically updated on our official Website. It is your responsibility to review the list and conduct your own due diligence before engaging with any Third Party Provider.

19.5 Nothing in these Terms shall be construed to create a partnership, joint venture, agency, or employment relationship between DAZ and any Third Party Provider. Each acts as an independent entity, and neither has the authority to bind the other in any manner whatsoever.19.6 You agree to indemnify, defend, and hold harmless DAZ and its officers, directors, employees, and affiliates from and against any and all claims, damages, losses, liabilities, costs, or expenses, including reasonable legal fees, arising out of or relating to your use of services provided by Third Party Providers, or your breach of any agreement with such providers.

‍GENERAL PROVISIONS

20. General Terms

20.1. Applicable Law. You and any Permitted User must comply with all Applicable Regulations, licensing requirements and third party rights (including regulations related to data privacy and anti-money laundering/countering the financing of terrorism) in your use of the DAZ Services, your DAZ Account and the Platform.

‍20.2. Notices. We may give notice by email to your email account. It is your responsibility to ensure that the email account is up to date and accurate. Notices may be given, and are deemed to be received, if sent to your email account, whether or not a notice of delivery failure is received.You may give us notices only as we direct, which may change from time to time.Any notices, consent or other communication given under these Terms must be in writing, in English, and signed or otherwise authorised by the party giving it.

‍20.3. Announcements. All official announcements will be listed on the Website. These announcements are important, and may relate to issues that may impact the value of your Digital Assets, or their security. You are responsible for monitoring the Website and reading and considering these announcements.

‍20.4. Entire agreement. The Terms, together with any additional Terms, constitute the whole agreement between you and us with respect to the DAZ Services. Each party acknowledges that it has not relied on, and shall have no right or remedy in respect of, any statement, representation, assurance or warranty (whether made negligently or innocently) other than as expressly set out in the Terms or any additional Terms.

‍20.5. Assignment. You may not assign or transfer any of your rights or obligations under the Terms without our prior written consent, which may, in some cases, require additional information to be provided or enhanced due diligence to be performed. However, we may assign or transfer any of our rights or obligations under the Terms at any time to anyone else, including, without limitation, in connection with any merger, acquisition, or other corporate reorganisation involving DAZ.

‍20.6. Invalidity. If, at any time, any clause or sub-clause of the Terms is or becomes illegal, invalid, or unenforceable in any respect, neither the legality, validity or enforceability of the remaining clauses or sub-clauses will in any way be affected or impaired.

‍20.7. Records. You agree that we may record any telephone, email and chat conversations with you, as well as any other forms of communications, including communication used to give Instructions or effect Transactions, between you and us, and that the recordings may be used as evidence in any proceedings relating to any agreement with you. These records will be our sole property.

‍20.8. Language. These Terms may be translated into a language other than the English language. Any such translation is provided solely for your convenience. In the event of inconsistency or ambiguity, the English text will prevail.

‍20.9. Third party rights. Nothing expressed or referred to in these Terms will be construed to give any person other than the parties to these Terms any legal or equitable right, remedy, or claim under or with respect to these Terms or any clause or sub-clause of these Terms. The Terms and all of its clauses and sub-clauses are for the sole and exclusive benefit of the parties to these Terms and their successors and permitted assignees.

‍20.10. Survival. All clauses and sub-clauses of these Terms, which by their nature extend beyond the expiration or termination of these Terms, will continue to be binding and operate after the termination or expiration of these Terms.

‍20.11. Force Majeure. We will not be liable for any delay or failure to perform as required by these Terms to the extent the delay or failure is caused by a Force Majeure Event.

‍20.12. No waiver. No delay or omission by us in exercising any right or remedy under the Terms will operate as a waiver of the future exercise of that right or remedy or of any other rights or remedies under the Terms. The rights and remedies provided in the Terms are cumulative and not exclusive of any rights or remedies provided by Applicable Regulations.

‍20.13. Death of DAZ Account holder. In the event of your death or incapacity, the representative(s) or legal beneficiary/beneficiaries may give us written notice. If we have reason to believe you have died, we may suspend your DAZ Account. Your DAZ Account will be suspended until:a. a representative or authorised beneficiary completes a successful inheritance application to receive the assets in your DAZ Account in accordance with our requirements which may be amended from time to time without notice; orb. you provide satisfactory proof that you are not deceased.

‍21. Intellectual Property

21.1 The Client acknowledges that the Platform and all its features are the intellectual property of DAZ and may not be copied, reproduced, transmitted, displayed, sold, licensed, or otherwise exploited for any purpose without DAZ’s prior written consent.

‍21.2 Such intellectual property includes: (a) trademarks, corporate names, service names, slogans, trade dress, logos, internet domain names, and other distinctive signs, as well as all related applications, registrations, extensions, and renewals; (b) patents, patent applications and all related renewals, utility models, utility model applications, certificates of addition, applications for certificates of addition, extensions and renewals, and invention registrations; (c) industrial design registrations and applications for industrial design registration, including related extensions and renewals; (d) copyrights, computer programs, layouts, presentation formats (“look and feel”), color schemes, source code, and related registrations and applications for registration; and (e) trade secrets and know-how.

22. Disclaimer of Governmental Liability

22.1 By using the DAZ Services and/or opening a DAZ Account, you acknowledge and agree that any governmental entity, agency, or authority with jurisdiction over the DAZ Services (collectively, "Governmental Entities") are not parties to these Terms of Use and shall not be held liable for any claims, losses, damages, liabilities, costs, or expenses whatsoever, arising out of or in connection with:Your use of the DAZ Services or a DAZ Account;Any transactions, activities, or interactions you conduct on or through the DAZ Platform;Any actions, omissions, or failures of DAZ, its affiliates, partners, or delegated entities;Any disputes between you and DAZ or any third party;Any issues related to the security, functionality, or availability of the DAZ Services or your DAZ Account; orAny regulatory actions, changes in law, or other governmental interventions that may affect the DAZ Services or your DAZ Account.

‍22.2 You further acknowledge and agree that the Governmental Entities provide regulatory oversight and legal framework for the Applicable Jurisdiction, but they do not operate, control, or guarantee the DAZ Services. Your engagement with DAZ Services is solely at your own risk, and you expressly waive any right to claim against, or seek indemnification from, the Governmental Entities for any matter related to the DAZ Services or your DAZ Account.