TERMS & CONDITIONS
TERMS & CONDITIONS
Last Updated: August 05, 2025
1. Introduction and General Provisions
These Terms and Conditions (“Terms”) constitute an electronic agreement between you (hereinafter “User”, “you”, or “your”) and Lumant Sp. z o.o., a private limited liability company incorporated in Poland with its registered address at Kielecka 41A/8 str, 02-530, Warsaw Poland, registered under KRS number 0001027413 and entered into register of virtual currency activity (rejestr działalności w zakresie walut wirtualnych) under number RDWW-693 (“Coinpacto”, “we”, “our” or “us”).
These Terms govern the relationship between Coinpacto, being the provider of the Services (as defined below), and you being a registered User (as defined below) which acceses and uses such Services.
The Services are offered to you via the website https://coinpacto.io/ (“Website”) and related features and functionality (“Platform”) operated by Coinpacto.
The term “Virtual Assets” for the purposes of these Terms shall mean digital assets (tokens) and/or cryptocurrency that (as a rule) have no central issuer and may be distributed directly between the issuers of such currency and users (as decentralized peer-to-peer cryptocurrency transactions) or othervise, designed to work as a medium of exchange that use strong cryptography to secure transactions, and specific methods of validation of the transactions on the blockchain (such as BTC, ETH, LTC etc.).
By accessing or using the Platform and Services, you acknowledge and agree to be bound by these Terms. If you do not agree to these Terms or wish to withdraw your acceptance, you must not access or use the Platform and Services, or you must cease any such use immediately.
We reserve the right to amend, revise, modify, and/or change the Terms and/or the Services at any time. We will notify you of any material changes to the Terms by sending an email to the Primary Email Address associated with your Account. All changes shall take effect immediately and an updated version of the Terms shall be published on the Website. You are solely responsible to periodically review the Terms for any updates. The latest version of the Terms is stated at the beginning of these Terms.
The Terms incorporate the Privacy Policy, AML-KYC Policy as well as any other policy that we may publish from time to time on the Website (“Policies”), and reference to the Terms shall include the Policies. By accepting these Terms, you agree with and accept the Policies.
2. Services; Provision of the Servises
2.1. We provide Users with the services through the Platform (“Services”) as mentioned below.
2.1.1. Exchange Services. We provide Users with the following exchange services (“Exchange Services”):
a. the ability to place Orders to buy Virtual Assets in exchange for fiat currency;
b. The ability to place Orders to sell Virtual Assets in exchange for fiat currency; and
c. Other related services that facilitate the purchase, sale, or exchange of Virtual Assets and fiat currency through the Platform.
2.2. Conditions for the provision of the Servises. To access the Services and related functionality of the Platform, you must first become a registered user by registering and verifying an account with Coinpacto through the Platform (“Account”).
2.2.1. The Services are accessible exclusively through a registered Account and are intended solely for the personal use and benefit of the User in whose name the Account was created.
2.2.2. Please be aware that, from time to time, we may engage certain third parties (“Third Parties”) to facilitate the provision of the Services. In some instances, you may be redirected to Third Parties’ platforms to complete payment transactions, where you will be required to accept their specific terms and conditions. All payment orders submitted through such Third Parties are subject solely to their terms and conditions. It is your sole responsibility to review and ensure that the terms and conditions of any Third Parties are acceptable and suitable for your use.
2.2.3. You are solely responsible for understanding and complying with applicable laws, rules, and regulations that govern your use of the Platform and Services in your jurisdiction and circumstances. We do not provide legal advice, and you are encouraged to consult with a qualified legal professional to ensure your compliance with all relevant legal obligations.
2.2.4. Coinpacto does not provide the Services or access to the Platform to users who reside in the following countries:
Afghanistan, Albania, Algeria, Angola, Bangladesh, Barbados, Belarus, Bolivia, Bosnia and Herzegovina, Bulgaria, Burkina Faso, Burundi, Cameroon, Central African Republic, Chad, China, Croatia, Cuba, Democratic Republic of the Congo, Democratic People's Republic of Korea (North Korea), Egypt, Ethiopia, Gabon, Gibraltar, Guinea, Guinea-Bissau, Haiti, Hong Kong, Iran, Iraq, Jamaica, Kosovo, Laos, Lebanon, Liberia, Libya, Madagascar, Mali, Moldova, Montenegro, Morocco, Mozambique, Myanmar (Burma), Nepal, Nicaragua, Niger, Nigeria, North Macedonia, Philippines, Republic of Congo, Russia, Saudi Arabia, Senegal, Serbia, Sierra Leone, Slovenia, Somalia, South Africa, South Sudan, Sri Lanka, Sudan, Suriname, Syria, Tanzania, Tunisia, Turkey (Tűrkiye), Qatar, Uganda, the United Arab Emirates, the United Kingdom, the United States of America, Venezuela, Vietnam, Yemen, Zimbabwe as well as all disputed/occupied territories (e.g., Northern Cyprus, Crimea, Donetsk, Kherson, Luhansk and Zaporizhzhia territories etc.).
This list is not exhaustive and may be updated or amended at any time without prior notice. It is your responsibility to ensure that your use of the Platform and Services complies with all applicable local laws and regulations. By accessing or using the Platform, you represent and warrant that you do not reside in any prohibited jurisdiction.
3. Orders
3.1. Placement of Orders
3.1.1. Orders for Exchange Services (“Orders”) may be placed exclusively through your registered Account on the Platform. By submitting an Order, you represent and warrant that you intend to exchange fiat currency for Virtual Assets or vice versa, in accordance with these Terms.
3.1.2. When placing an Order, you must provide accurate and complete information (“Instructions”) necessary to execute the transaction, including but not limited to:
a. the specific type and amount of Virtual Asset or fiat currency you wish to exchange - buy or sell (“Transaction Amount”);
b. the desired Virtual Asset or fiat currency you intend to receive in exchange; and
d. any additional details required to fulfill the Order, such as your wallet address.
3.1.3. You may only place an Order if you have sufficient funds available in your Account to fully cover the amount you intend to exchange as specified in the Order. Failure to maintain sufficient funds may result in the rejection or cancellation of your Order. You are solely responsible for ensuring that your Account balance is adequate to fulfill any Orders you submit.
3.1.4. It is your sole responsibility to ensure that all information provided to us in your Instructions is accurate and complete. Orders should be submitted only after careful consideration and once you fully understand and accept the potential consequences of placing such Orders. You are responsible for actively monitoring the status of all your Orders until we notify you of their execution, suspension, refusal, or cancellation.
3.2. Indicative prices of Virtual Assets
We may present via the Platform indicative prices of Virtual Assets quoted in fiat money and/or in any other Virtual Asset (“Indicative Prices”). Indicative Prices may be produced and provided by us or by Third Parties. Indicative Prices presented to you through the Platform shall reflect approximations of the prices made available by us at the time at which they are displayed. Such prices DO NOT CONSTITUTE binding offers.
Indicative Prices of Virtual Assets presented on the Platform are provided for informational purposes only and do not constitute binding offers or guarantees of availability at those prices. These prices may be sourced from us or third parties and are subject to change without notice. Indicative Prices may not reflect the actual market prices or the prices at which transactions will be executed. You acknowledge and agree that reliance on Indicative Prices is at your own risk, and we disclaim any liability for any losses or damages arising from discrepancies between Indicative Prices and actual transaction prices.
3.3. Limits on the amount of Transaction Amount under an Order
We reserve the right to establish minimum and maximum limits on the Transaction Amount that User may place in relation to an Order. Such limits may vary depending on the type of Virtual Asset or fiat currency involved, the specific Service utilized, or other risk factors. We may modify these limits at any time and at our sole discretion without prior notice.
3.4. Pending Orders
Once you submit an Order, the Order will be in a pending state until it is executed (“Pending Order”). Please note that the exchange is not complete while the Order is in a pending state, and that the amount of Transaction Amount that you have committed for the exchange will not be available to you. If the Order is executed successfully, you will automatically receive the Virtual Asset on the provided wallet address. We reserve the right to delay, suspend, or cancel Pending Orders in accordance with these Terms.
3.5. Modification of Orders
Please note that Orders cannot be modified once they are placed; however, you can cancel any Order before it is executed by us.
3.6. Cancellation of Orders
We reserve the right to cancel an Order or part of an Order at all times upon the occurrence of, or due to:
a. you not holding a sufficient amount of fiat currency to cover the exchange Order;
b. the Order being placed during a scheduled or unscheduled downtime of the Platform;
c. the Order being made in violation or where we have reason to suspect that the Order has been made in violation of the Terms, or any applicable rule, law, or regulation;
d. we have resonable suspection that you may not be the person effecting the Order through your Account;
e. the Order being non-marketable due to unfavourable market conditions;
f. Third Parties, which we may rely upon to execute the Order being unable to provide support with the Order, for example instances where liquidity providers are unable to provide liquidity;
g. any event outside of our control preventing us to provide access to the Platform or the Services, or to meet any other obligation we may be subject to under the Terms;
h. risk considerations.
Please note that we disclaim any liability associated with the cancellation of Orders.
3.7. User Cancellations and Refunds
You acknowledge and agree that all transactions are final and non-refundable. Once an exchange Order has been executed it cannot be cancelled or recalled.
You further understand and accept the consequences of an Order’s execution and that we will under no circumstances be liable for such consequences or losses incurred.
You may only cancel an initiated Order request prior to the execution of the transaction by Coinpacto.
You have the right to withdraw from our Services and request a refund within fourteen (14) days from the date of your transaction, without providing any reason, provided that the purchased Virtual Assets have not been transferred to your external wallet address or otherwise irreversibly delivered. To exercise your right of withdrawal, you must submit a clear refund request to us by email at support@coinpacto.io within the 14-day period, including your transaction details and the reason for your request (optional).
Upon receipt of your refund request, we will review your eligibility and, if approved, will process the refund to the original payment method used for the transaction within fourteen (14) days. Please note that any applicable processing fees, network fees, or other non-refundable charges incurred during the transaction may be deducted from the refunded amount. Refunds will not be granted if the Virtual Assets have already been delivered to your designated wallet address or if the transaction is otherwise irreversible due to the nature of blockchain technology. This policy does not affect your statutory rights under applicable laws.
4. Account
4.1. Registration Process
4.1.1. To access the Services, you must complete the registration process by creating an Account on the Platform.
4.1.2. Only individuals who reached 18 years of age, or duly authorised representatives of legal entities are eligible to open an Account with Coinpacto.
4.1.3. Coinpacto reserves the right in its sole discretion to decline the opening of an Account, and to temporarily or permanently suspend access to any Account (or any part of it) where required or recommended to do so by applicable governmental, regulatory or law enforcement authorities or its own risk considerations.
4.1.4. During registration, you may be required to provide accurate personal information, select a username and password, and may be asked to set up multi-factor authentication for enhanced security (collectively, “Login Credentials”). Please note that for security purposes we may require you to change the Login Credentials associated with your Account from time to time. You may only access your Account using your Login Credentials unless otherwise authorised by us. You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your Account.
4.1.5. Coinpacto reserves the right, at our sole discretion, to approve or decline any registration application without providing a reason.
4.2. Verification Process
4.2.1. As part of the Verification Process, you will have to provide Coinpacto with some documentation and information which is required for us to establish and verify your identity and determine whether you meet the AML Requirements. Therefore, you shall provide us with the correct information that we may ask from you in order to carry out the Verification Process, which may include:
a. personal information such as but not limited to your name, address, date of birth;
b. contact information, including phone number, email address, and any other contact information which we may ask from time to time;
c. copies of identity documents, such as passport or driving license, as well as proof of address, and any other such document as we may see fit to verify your identity and place of residence; and
d. copies of documents and information to verify your source of funds and/or wealth, including (i) details of other electronic wallets you hold with Third Party service providers; (ii) information on or in connection with deposits of Virtual Assets from wallets you hold with Third Party service providers to the Wallet; and (iii) documentation and information on or in connection with deposits of fiat money from accounts you hold with other service providers.
4.2.2. Coinpacto reserves the right to, directly or indirectly (through Third Parties), make any inquiries we consider necessary to check the relevance and accuracy of the information you have provided as part of the Verification Process.
4.2.3. We will inform you of whether you have met the AML Requirements and, as such, of whether you are eligible to open the Account and become a User, via your Primary Email Address.
4.3. Account Management
4.3.1. Subject to the Terms herein, you may only access your Account using the Login Credentials that are associated with it. You are solely responsible for managing and maintaining the security of your Login Credentials.
4.3.2. We reserve the right to make your continued access to and use of the Account, the Platform, and the Services subject to a new Verification Process, and/or to the provision of additional information which we may require in order to determine whether you meet our AML Requirements as these may be from time to time.
4.3.3. You are responsible to ensure that the information associated with your Account is correct at all time, to maintain the correctness and veracity of any such information.
4.4. Account Security
It is your responsibility to maintain access to your account secure, and to implement the following measures (“Account Security”):
a. selecting a unique password that you do not use for other websites, by periodically updating your Login Credentials, and by keeping your Login Credentials and other forms of authentication confidential and separate from each other;
b. keeping your Login Credentials strictly confidential;
c. logging out of your Account whenever you are not using it;
4.5. Unauthorised Use
4.5.1. If any activity on your Account was not authorised by you (“Unauthorised Use”), or if you have any reason to suspect so, you must inform us as soon as possible by writing to us. Failure to notify us immediately after you identified the Unauthorised Access may result in you losing your entitlement to have us investigate your matter and, subject to our reasonable discretion, correct it.
4.6. Account Suspension and Termination
4.6.1. Users may terminate their Account at any time, by providing us with a prior written notice and following settlement of any pending activity on their Account, including closing of all open positions by the User. The notice shall be delivered to us in the form of an email detailing the User’s intent to terminate the Account.
4.6.2. The suspension or termination of an Account shall not affect the payment of Costs that may be due for past activity on the Account or for past activity that is associated with the account.
4.6.3. Coinpacto reserves the right to suspend the provision of the Services to you and/or to immediately terminate your Account (i) if you refuse or fail to complete a verification process, including cases where you fail to provide the required information within the required time frame; (ii) and to take further actions against you in case we suspect that the account is used in violation of the terms, and/or for or in connection with any illicit or fraudulent activity. This also includes, for example, provision of counterfeit documents and/or false personal information.
4.6.4. Coinpacto may temporarily or permanently suspend or terminate access to any Account if required by applicable laws, regulatory authorities, or based on our risk assessments.
4.6.5. Please note that we are obliged to store information pertaining to your Account following termination for at least five (5) years and that such information will be treated in accordance with the Privacy Policy.
4.7. Dormant Account
4.7.1. Your Account will be deemed dormant if you have not logged into your Account for a period of at least six (6) months (“Dormant Account”). While an Account is dormant, certain features or access to Services may be restricted to protect your security and comply with regulatory requirements.
4.7.2. Dormant status will be lifted immediately upon your next successful login or account activity. We reserve the right to take additional measures, including account suspension or closure, in accordance with applicable laws and these Terms if an Account remains dormant for an extended period.
5. Risk Warning
5.1. Trading or holding Virtual Assets involves significant risks, including the potential loss of your entire investment. Virtual Assets are highly volatile, speculative, and may be subject to market manipulation. Prices can fluctuate rapidly and unpredictably, and there is no guarantee of liquidity or the ability to sell at a desired price or time.
5.2. Regulatory frameworks governing Virtual Assets are evolving and may adversely affect their use, transfer, exchange, and value. Unlike traditional financial instruments, Virtual Assets and related markets are often less regulated, and you may not have access to the same protections or recourse.
5.3. You are solely responsible for assessing whether trading or holding Virtual Assets is suitable for your financial situation and risk tolerance. We strongly recommend that you seek independent financial, legal, or tax advice before engaging in any transactions involving Virtual Assets.
5.4. For more detailed information on risks associated with Virtual Assets, please refer to our Risk Disclosures page.
6. Fees
6.1. By using our Services, you agree to pay all applicable fees and commissions as detailed on our Website and presented through the Platform (“Fees”). We may revise and update the different Fees that are applicable to the Services from time to time and in our sole discretion.
6.2. The Fees related to buying of Virtual Assets are as follows:
VISA/MasterCard Processing fee: 4,5%
BTC / 0.0001 / 6 POL / 20 TRX / 7 USDC ERC20 / 4 USDC TRC20 / 4 USDC MATIC + Network fee
SEPA Service fee: 9%
Platform Fee: 0.1%
6.3. The Fees related to selling of Virtual Assets are as follows:
VISA/MasterCard:
Platform Fee: 0.30%
Network fee: BTC / 0.0001 / 7 USDC ERC20
6.4. Network Fee: applicable blockchain network fees depending on the Virtual Asset being sold. Additional payment processing fees may apply depending on the withdrawal method selected.
6.5. All fees are subject to change, and you will be informed of the applicable Fees prior to completing any transaction.
7. Taxes
7.1. You are solely responsible for determining and fulfilling all tax obligations arising from your use of the Platform and Services, including any applicable local, national, or international taxes, duties, or levies. Coinpacto does not provide tax advice and recommends that you consult with a qualified tax professional to ensure compliance with all relevant tax laws and reporting requirements in your jurisdiction.
7.2. You are responsible for any taxes or charges imposed by your financial institution or payment provider.
8. Intellectual Property
8.1. All content, materials, and intellectual property rights on the Platform, including but not limited to trademarks, trade names, service marks, logos, software, text, images, graphics, data, and audiovisual materials (“Intellectual Property”), are owned by Coinpacto or its licensors and are protected by applicable copyright, trademark, patent, and other intellectual property laws.
8.2. You are granted a limited, non-exclusive, non-transferable license to access and use the Platform solely for your personal, non-commercial use in accordance with these Terms. You may not copy, reproduce, modify, distribute, display, perform, publish, license, create derivative works from, transfer, or sell any Intellectual Property without our prior written consent.
8.3. Any unauthorized use of the Intellectual Property may violate intellectual property laws and result in civil or criminal penalties. Intellectual Property belonging to third parties remains the property of those third parties, and your use of such content is subject to their respective terms and conditions.
9. Personal Data Protection
9.1. We are committed to protecting your personal data and processing it in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR). Any personal information you provide to us in connection with your use of the Platform and Services will be collected, used, stored, and disclosed as described in our Privacy Policy, which forms an integral part of these Terms.
9.2. By using the Platform, you consent to the processing of your personal data for purposes including account registration, identity verification, provision of Services, compliance with legal obligations, and communication with you. We implement appropriate technical and organizational measures to safeguard your personal data against unauthorized access, alteration, disclosure, or destruction.
9.3. For more information on how we handle your personal data and your rights, please refer to our Privacy Policy.
10. Disclaimer
10.1. The Platform and the Services are provided “AS IS”, without guarantees of any kind, either expressed or implied. While we strive to maintain access to the Platform, all online services suffer from occasional disruptions and outages and we are not liable for any disruption or loss you may suffer as a result. Therefore, please note that we do not provide any guarantees that access to the Platform and the Services will not be interrupted or that there will be no delays, failures, errors, omissions or loss of transmitted information. However, we use reasonable endeavours to ensure that you can access the Platform and the Services in accordance with these Terms. Please also note that we may suspend access to the Platform for maintenance and that will make reasonable efforts to give you sufficient notice of such disruption. However, you acknowledge and accept that this may not be possible in an emergency.
10.2. For the avoidance of doubt, the Platform and any other online or offline material offered or produced by us, does not constitute an offer or solicitation to anyone in any jurisdiction in which such offer or solicitation is not authorised, to any person for whom access and use of the Services and the Platform is unlawful, or to whom it is otherwise unlawful to make such an offer or solicitation.
10.3. Coinpacto DOES NOT offer or intend to offer you or any of the Users any investment or financial advice, nor any other form of advice in relation to the Services.
10.4. It is your sole responsibility to verify that you have the legal capacity to access and to use the Platform and the Services.
10.5. We do not provide any guarantee for any Third Party. You acknowledge and agree that you are solely responsible for your relationship with any Third Party. We shall not be liable for anything arising out or as a result of your acceptance to be bound to any Third Party terms and conditions
10.6. You understand and agree that while we strive to execute all Orders placed on the Platform, we may cancel an Order for specific, important reasons attributable to circumstances beyond our control or arising from the conduct of the User. Such reasons may include, but are not limited to: (i) a User's failure to provide accurate or complete information necessary for the fulfillment of the Order, (ii) suspected fraud or misuse of the Platform, or (iii) a User's violation of any provisions of these Terms or non-compliance with applicable laws and regulations. In such cases, we shall not be liable for damages, loss of profit, loss of revenue, loss of business, loss of opportunity, loss of data, or any indirect or consequential loss resulting from the cancellation, to the fullest extent permitted by applicable law.
10.7. We shall not be liable for any inability to modify an Instruction. You understand and agree that, if an Instruction cannot be cancelled or modified, you are bound by any execution of the original Instruction.
10.8. We shall not be responsible or liable for any loss, damage, or other form of sufferance resulting from any of the risk detailed in Cryptocurrency risk disclosure section.
11. User Obligations
11.1. You hereby agree and guarantee that in accessing and/or using the Platform and the Services:
11.1.1. you are complying with the Terms and Policies and that you will comply with the Terms and Policies at all time;
11.1.2. you are complying with all rules, laws, and regulations applicable to you (as these may be from time to time) by virtue of your place of residence, or by virtue of any circumstance that is otherwise specific to you;
11.1.3. if you are a natural person, that you are at least 18 years old;
11.1.4. you will not attempt to disrupt or interfere with the security or proper functioning of the Platform;
11.1.5. you shall accept full responsibility for all activities conducted through your Account;
11.1.6. you will not behave immorally, and in a manner that may put our reputation at risk, and will refrain from engaging in any fraudulent, illegal, or abusive activities, including but not limited to money laundering, terrorist financing, or the use of counterfeit documents;
11.1.7. any and all information that is associated with your Account is correct and that you shall maintain it correct and up to date, as well as provide accurate, current, and complete information during registration and throughout your use of the Platform;
11.1.8. any and all Virtual Assets and fiat currency used in connection with your Account and with the Platform derives exclusively from legitimate activities;
11.1.9. you will ensure that any and all information provided under each Order is accurate, correct and a reflection of your intention;
11.1.10. you shall maintain the confidentiality and security of your Account credentials and notify us immediately of any unauthorized use or security breaches;
11.1.11. you shall use the Platform and Services in compliance with all applicable laws, regulations, and these Terms, and you will cooperate with us in any investigation related to your use of the Platform or Services;
11.1.12. before using any of the Services, you shall make your own independent assessment as to whether the Services are appropriate for you, based upon your understanding of the risks, upon your own judgment, and upon such independent advice as you may seek from any Third Party advisers to the extent to deem it necessary.
11.2. Failure to comply with these obligations may result in suspension or termination of your Account and access to the Services.
12. Indemnities
12.1. To the widest extent permitted by law, you hereby agree to protect, defend, indemnify and hold us harmless from and against any and all claims, demands, costs, expenses, losses, liabilities and damages of every kind and nature (including, without limitation, reasonable attorneys' fees) imposed upon or incurred by us directly or indirectly arising from (i) your use of and access to the Platform and the Services; (ii) any breach of the Terms; (iii) any breach of any rule, law or regulation on your part, and any immoral behaviour you undertake, either directly or indirectly, any fraudulent, negligent, or unlawful acts or omissions by you; and (iv) any third-party claims related to your use of the Platform or Services.
12.1. The indemnification obligations under this section shall survive any termination or expiration of the Terms or the User's use of the Platform or the Services.
13. Limitations of Liability
13.1. TO THE WIDEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COINPACTO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, AND ALL THIRD PARTY SERVICE PROVIDERS BE LIABLE TO THE USERS OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OR LOSSES WHATSOEVER, CAUSED BY ANY OF THE FOLLOWING, INCLUDING BUT NOT LIMITED TO (I) ANY ERRORS, MISTAKES OR OMISSIONS BY THE USERS WHEN USING THE PLATFORM OR THE SERVICES WHICH CAUSE OR RESULT IN THE LOSS OF ANY AND ALL OF THEIR VIRTUAL ASSETS AND/OR FIAT MONEY, (II) ACCURACY, COMPLETENESS OR CONTENT OF AND ON THE PLATFORM, (III) ACCURACY, COMPLETENESS OR CONTENT OF ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO OUR PLATFORM, (IV) THE PLATFORM OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THE PLATFORM, (V) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE WHATSOEVER, (VI) THIRD PARTY CONDUCT OF ANY NATURE WHATSOEVER, (VII) ANY UNAUTHORISED ACCESS TO OR USE OF OUR SERVERS AND/OR ANY AND ALL CONTENT, PERSONAL INFORMATION, FINANCIAL INFORMATION OR OTHER INFORMATION AND DATA STORED THEREIN, (VIII) ANY INTERRUPTION OR CESSATION OF THE SERVICES, THE PLATFORM OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THE PLATFORM, (IX) ANY VIRUSES, WORMS, BUGS, TROJAN HORSES OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR FROM THE PLATFORM OR ANY SITES LINKED (THROUGH HYPERLINKS, BANNER ADVERTISING OR OTHERWISE) TO THE PLATFORM, (X) ANY USER CONTENT OR CONTENT THAT IS DEFAMATORY, HARASSING, ABUSIVE, HARMFUL TO MINORS OR ANY PROTECTED CLASS, PORNOGRAPHIC, “X-RATED”, OBSCENE OR OTHERWISE OBJECTIONABLE AND/OR (XI) ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF A USER’S USE OF THE PLATFORM OR THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL OR EQUITABLE THEORY AND WHETHER OR NOT COINPACTO IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ADDITION, YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE PLATFORM OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE SUCH CAUSE OF ACTION SHALL BE PERMANENTLY BARRED. IN ADDITION, THE USER SPECIFICALLY ACKNOWLEDGES AND AGREES THAT IN NO EVENT SHALL COINPACTO’S TOTAL AGGREGATE LIABILITY EXCEED THE TOTAL AMOUNT PAID BY THE USER FOR THE PARTICULAR SERVICES THAT ARE THE SUBJECT OF THE CAUSE OF ACTION. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW AND SHALL SURVIVE ANY TERMINATION OR EXPIRATION OF THIS AGREEMENT OR THE USER'S USE OF THE SITE, THE PLATFORM OR THE SERVICES.
14. User Support and Complaints
14.1. Coinpacto Support. If you have feedback, or general questions, please contact us via support@coinpacto.io . When you contact us, please provide us with your name and email address and any other information we may need to identify you, and the issue on which you have feedback, questions, or complaints.
14.2. Complaints. We take complaints seriously. If you have a complaint with Coinpacto, you agree to first contact Coinpacto through our support team at to attempt support@coinpacto.io to resolve any such dispute amicably. If we cannot resolve the dispute through Coinpacto support team within 30 days from the date of lodging a complaint (unless another term is defined by the applicable laws), you are hereby agree to use a dispute resolution process as prescribed under Section 15 below.
15. Governing Law and Dispute Resolution
15.1. These Terms shall be governed by and construed in accordance with the laws of the Republic of Poland, without giving effect to principles of conflicts of law.
15.2. The parties agree that in the event of any dispute, controversy, difference or claim, including the existence, validity, interpretation, performance, breach or termination of the Terms or any dispute arising out of or relating to these Terms or the use of the Website/Platform (the “Dispute”), the parties will first try and aim to resolve it through negotiations.
15.3. Any Dispute will be governed by the laws of the Republic of Poland. Any legal action arising out of or in connection with the Dispute will be brought before and finally solved in the courts of the Republic of Poland, which will have non-exclusive jurisdiction in respect of any Dispute, which may arise.
15.4. Without prejudice to the above, we reserve the right to bring an action in the forum we may deem appropriate.
15.5. You have the option to use all other legal remedies provided by applicable law to protect your consumer rights, including out-of-court proceedings (redress, alternative or online dispute resolution mechanisms). Please visit this page to learn more about redress and alternative/online dispute resolution: https://konsument.gov.pl/en/redress/.
16. Miscellaneous
16.1. You agree and consent for us to communicate with you through the Platform and through the primary email address that is associated with your Account (“Primary Email Address”). It is your responsibility to ensure that you regularly review the information that we make available to you through the Platform and the Primary Email Address. You shall also review and respond to any notice which we may send you regarding your Account Information, and to promptly reply to any of our questions. Failure to contact us in a timely manner in accordance with the Terms may result in loss of funds and/or important rights.
16.2. You and Coinpacto agree that any party hereto may bring claims against the others only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. No adjudicator may consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Any relief awarded to any User cannot and may not affect any other User.
16.3. These Terms do not intend to confer any benefit on any Third Party, and no Third Party shall have any rights to enforce any of these terms against us.
16.4. You may not transfer, assign, or sell any rights or obligations you have under the Terms or otherwise grant any third party a legal or equitable interest over your Account without our prior written consent. Coinpacto reserves the right to transfer or assign the Terms or any right or obligation under the same to any party and at any time.
16.5. If we fail to enforce any of our rights under any these Terms, or applicable laws, it shall not be deemed to constitute a waiver of such right.
16.6. We reserve the right, but shall have no responsibility, to edit, modify, refuse to post or remove any content, in whole or in part, from the Website or Platform if we deemed that such content is objectionable, erroneous, illegal or otherwise in violation of these Terms.
16.7. Unless stated otherwise in these Terms, if any provision of the Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the extent possible.
16.8. We may, in our sole discretion and without liability to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, all or any portion of our Services.
16.10. The Terms, including the Policies and any other document or information incorporated by reference constitutes the entire agreement between you and Coinpacto, and govern your access to the Platform and use of the Services, superseding any prior agreements between you and Coinpacto with respect to the Platform and the Services.
If you have any questions or concerns about these Terms, please contact us via email at info@coinpacto.io.