Terms of Service

1. Introduction and Acceptance

Welcome to Qash, a product of Quantum3 Labs Pte. Ltd., a private limited company incorporated in Singapore (registration no. 202334922W) (“Qash,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the Qash platform, including our website, web and mobile applications, APIs, and related services (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms. If you are using the Services on behalf of a business entity, you represent and warrant that you have the authority to bind that entity, and references to “you” include both you individually and the entity you represent. If you do not have such authority, you must not access or use the Services on behalf of that entity.

If you do not agree to these Terms, you must not access or use the Services.

2. Eligibility

To use the Services, you must:

• Be a legally formed and validly existing business entity in your jurisdiction of incorporation or organization.
• Be authorized to conduct the financial, commercial, or treasury activities you intend to carry out through Qash under applicable law.
• Not be located in, organized under the laws of, or controlled by any person in a country or territory subject to comprehensive economic sanctions imposed by the United States (including those administered by the Office of Foreign Assets Control), the European Union, the United Kingdom, the United Nations, or the Monetary Authority of Singapore.
• Not be a person or entity listed on any applicable sanctions or restricted-party list, including the OFAC Specially Designated Nationals and Blocked Persons List.
• Designate at least one authorized representative who is at least 18 years of age and has the legal capacity to enter into binding agreements.
• Successfully complete all applicable Know Your Business (“KYB”) and Know Your Customer (“KYC”) verification procedures required by Qash and our regulated partners.

Qash may update or supplement eligibility requirements at any time to comply with applicable legal or regulatory obligations, and may refuse, suspend, or terminate access where eligibility is not met.

3. Description of Services

Qash provides a unified self-custodial workspace for Web3 companies, including features for multisig treasury management, multi-entity account organization, invoicing, payroll, fiat on-ramp and off-ramp, corporate card issuance, and chain-agnostic payments. Selected features may operate on the Miden network and use zero-knowledge proofs to provide on-chain transaction privacy.

Qash is software. Qash is not a bank, deposit-taking institution, money transmitter, money services business, broker-dealer, custodian, or investment adviser. We do not hold customer deposits, control private keys, or take custody of customer funds at any time. We are a technology platform that enables you to access regulated financial services delivered by our third-party partners.

Certain Services, including fiat off-ramp, banking rails, and corporate card issuance, are provided by regulated third-party partners under their own terms, privacy policies, and regulatory frameworks. By using those Services, you accept the applicable partner terms presented to you during onboarding or feature activation. Qash does not control and is not responsible for services provided by partners.

Qash does not provide financial, investment, tax, or legal advice. Nothing in the Services should be construed as such advice.

4. Account Registration and Security

To use the Services, you must register an account (“Account”) and provide accurate, complete, and current information about your business and its authorized representatives. You agree to update this information promptly when it changes.

You are solely responsible for maintaining the confidentiality and security of your Account credentials, including passwords, passkeys, API keys, multisig signer keys, recovery materials, and any device on which credentials are stored. You agree to notify us immediately at contact@qash.finance if you become aware of any unauthorized access to or use of your Account.

Qash may suspend or terminate your Account where we reasonably believe that your Account has been compromised, that you have violated these Terms, or where action is required to comply with applicable law, sanctions programs, court orders, or regulatory requests.

5. Self-Custodial Wallets and Fund Custody

Qash uses self-custodial wallet technology. When you onboard, one or more wallets are generated for your Account. Neither Qash nor our partners have unilateral access to your wallets, your private keys, or the ability to move your funds without your authorization.

You are solely responsible for your wallets and the funds held within them. Qash does not custody, control, or hold your funds at any time. If you lose access to your wallet, signer keys, or recovery materials and are unable to restore access through available recovery mechanisms, your funds may become permanently inaccessible. Qash has no liability for any loss resulting from irreversible blockchain transactions, lost or compromised credentials, or actions taken by signers you have authorized.

For multisig wallets, you are responsible for the configuration of signer thresholds, signer rotation, and the operational security of each signer. Misconfiguration of multisig parameters may result in funds becoming unrecoverable.

6. Payments, Off-Ramp, and Foreign Exchange

Qash facilitates on-chain payments, fiat on-ramp and off-ramp, and currency conversion through our partner network. When you initiate a transaction:

• On-ramp and off-ramp services are provided by regulated partners and are subject to their availability, supported corridors, and compliance requirements.
• Foreign exchange and conversion rates are provided as live quotes at or near prevailing market rates. Rates are subject to change and are locked only upon your confirmation of a transaction.
• Settlement times vary by corridor, payment method, and blockchain network. Some corridors support near-instant settlement; others may require one or more business days and depend on third-party payment networks, financial institutions, and blockchain infrastructure.
• Transactions submitted to a blockchain network or a partner payment rail are typically final and non-reversible once confirmed, except as required by applicable law or partner policy.
• You are responsible for the accuracy of recipient details, including wallet addresses, beneficiary information, and bank account information. Qash is not liable for losses resulting from incorrect details supplied by you.

7. Corporate Cards

Where corporate card features are made available, cards are issued, processed, and serviced by regulated card-issuing partners under their own card program terms and applicable card network rules. Qash provides the interface to apply for, manage, and operate these cards.

Approval, issuance, transaction limits, foreign exchange handling, chargebacks, and dispute resolution for card transactions are governed by the card-issuing partner. Qash does not issue cards, hold cardholder funds, or settle card transactions.

You are responsible for the activities of cardholders and authorized users designated under your Account.

8. Treasury and Yield Features

Where treasury or yield features are made available through the Services, the following terms apply in addition to the rest of these Terms:

• Treasury and yield features may route funds, with your authorization, to on-chain protocols, smart contracts, or partner-operated venues. Qash does not pool, custody, or manage your funds.
• Yield is variable, not guaranteed, and subject to risks including smart contract risk, protocol risk, market risk, liquidity risk, oracle risk, and the risk of partial or total loss of funds.
• Past performance is not indicative of future results, and any rate of return shown is illustrative only.
• Withdrawal availability depends on the underlying protocol, settlement times, and on-chain conditions.

TREASURY AND YIELD FEATURES ARE NOT BANK ACCOUNTS, DEPOSIT ACCOUNTS, SAVINGS ACCOUNTS, OR INVESTMENT PRODUCTS. FUNDS DEPLOYED THROUGH THESE FEATURES ARE NOT INSURED BY THE SINGAPORE DEPOSIT INSURANCE CORPORATION, THE FDIC, THE SIPC, OR ANY OTHER GOVERNMENT AGENCY OR DEPOSIT INSURANCE SCHEME. YOU BEAR THE FULL RISK OF LOSS.

9. Fees

Qash may charge fees for certain Services, including transaction fees, foreign exchange spreads, partner pass-through charges, and feature-specific fees. All applicable fees will be disclosed before you authorize a transaction or activate a fee-bearing feature.

Network fees, gas fees, and partner fees imposed by third parties or blockchain networks are payable by you and will be disclosed where reasonably practicable.

We may modify our fee schedule at any time. Material changes will be communicated with reasonable advance notice. Continued use of the Services after the effective date of a fee change constitutes acceptance of the updated fees.

10. Compliance and Regulatory Obligations

You represent and warrant that your use of the Services complies with all applicable laws and regulations in every jurisdiction in which you operate, including anti-money laundering, counter-terrorist financing, sanctions, tax reporting, foreign exchange controls, capital controls, and licensing requirements.

You agree to cooperate fully with KYB, KYC, source of funds, beneficial ownership, and ongoing monitoring requests by Qash and our partners. You acknowledge that Qash and our partners may be required to report transactions or account information to regulatory authorities.

Qash may refuse, delay, freeze, reverse where technically possible, block, or cancel any transaction, and may suspend or terminate your access to any feature or to the Services as a whole, where we reasonably believe such action is necessary to comply with applicable law, sanctions programs, partner requirements, fraud prevention measures, or regulatory requests.

11. Prohibited Activities

You agree not to use the Services for any unlawful purpose or in violation of these Terms. Prohibited activities include, without limitation:

• Money laundering, terrorist financing, sanctions evasion, or any activity that violates financial crime laws.
• Fraud, identity theft, unauthorized access to others’ accounts, or impersonation.
• Operating or transacting on behalf of persons or entities in jurisdictions subject to comprehensive sanctions, or with sanctioned persons.
• Engaging in transactions involving proceeds of illegal activity.
• Using the Services for personal, household, or consumer purposes. The Services are designed for business use only.
• Attempting to reverse-engineer, decompile, disassemble, or otherwise interfere with the security, integrity, or operation of the Services.
• Using the Services to circumvent foreign exchange controls, capital controls, tax obligations, or export control laws.
• Interacting with the Services through automated means, bots, scrapers, or other tools in a manner that disrupts or burdens the platform.
• Conducting transactions involving illegal goods, illegal services, or activities that we determine, in our reasonable discretion, to pose unacceptable legal, regulatory, or reputational risk.

12. Intellectual Property

All content, trademarks, logos, software, designs, documentation, and technology comprising the Services are the property of Quantum3 Labs Pte. Ltd. or its licensors. You are granted a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for the internal business purposes of your entity, in accordance with these Terms.

You may not copy, modify, translate, distribute, sell, license, or create derivative works based on the Services without our prior written consent. You may not remove or alter any proprietary rights notices. All rights not expressly granted under these Terms are reserved.

If you provide feedback or suggestions about the Services, you grant us a worldwide, royalty-free, non-exclusive, perpetual license to use the feedback for any purpose, without obligation to you.

13. Disclaimers and Limitation of Liability

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Without limiting the foregoing, Qash does not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses, that exchange rates, yield estimates, or other financial information will be accurate or current, or that any feature will achieve a particular result.

Qash is not responsible for losses resulting from blockchain network failures, smart contract vulnerabilities, protocol exploits, oracle failures, third-party service outages, partner suspension or termination of services, market volatility, or events outside our reasonable control.

To the maximum extent permitted by applicable law, in no event shall Qash, its affiliates, officers, directors, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business opportunities, data, or goodwill, arising out of or related to your use of or inability to use the Services, regardless of the legal theory of liability and whether or not we have been advised of the possibility of such damages.

Our total aggregate liability to you for all claims arising out of or relating to these Terms or the Services shall not exceed the greater of (a) the total fees paid by you to Qash during the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred United States dollars (USD 100).

14. Indemnification

You agree to indemnify, defend, and hold harmless Qash, Quantum3 Labs Pte. Ltd., and their respective affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your violation of any third party’s rights; or (e) the actions of authorized representatives, signers, or cardholders acting under your Account.

15. Third-Party Services

The Services integrate with third-party providers, including regulated financial partners, identity verification providers, blockchain infrastructure providers, decentralized protocols, and self-custodial wallets. Qash is not responsible for the acts, omissions, availability, accuracy, or performance of any third-party service.

Your use of third-party services is governed by their respective terms and privacy policies. Disputes arising from such use should be directed to the applicable third party. Qash does not endorse, guarantee, or assume responsibility for any product, service, or content offered by third parties.

16. Suspension and Termination

Qash may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. Grounds for suspension or termination include violation of these Terms, suspicion of fraud or illegal activity, failure to complete or maintain required verification, request from a regulatory authority or partner, or where action is necessary to comply with applicable law.

Upon termination, you will retain access to the funds held in your self-custodial wallets, since Qash does not control those funds. However, you may lose access to platform features required to initiate fiat off-ramp, card transactions, or partner-mediated services, in which case you may need to use alternative tools to manage your on-chain assets.

You may stop using the Services at any time. Sections 12 (Intellectual Property), 13 (Disclaimers and Limitation of Liability), 14 (Indemnification), 17 (Governing Law and Dispute Resolution), and 19 (Miscellaneous) survive termination of these Terms.

17. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Republic of Singapore, without regard to its conflict of laws principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services, including any non-contractual claim, shall be referred to and finally resolved by arbitration administered by the Singapore International Arbitration Centre (“SIAC”) in accordance with the SIAC Arbitration Rules in force at the time of the notice of arbitration. The seat of arbitration shall be Singapore. The tribunal shall consist of one arbitrator. The language of the arbitration shall be English. The award rendered shall be final and binding on the parties and may be enforced in any court of competent jurisdiction.

You agree that any claim shall be brought solely in your individual or business capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. You waive any right to a jury trial.

Notwithstanding the foregoing, Qash may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, or to prevent irreparable harm.

18. Modifications to Terms

We may modify these Terms at any time. If we make material changes, we will update the Effective Date above and, where practicable, provide notice through the Services or by email to your registered Account contact. Your continued use of the Services after the effective date of any modification constitutes acceptance of the modified Terms.

If you do not agree to a modification, you must stop using the Services before the effective date of the modification.

19. Miscellaneous

Entire Agreement. These Terms, together with our Privacy Policy and any additional terms presented to you for specific features or partner services, constitute the entire agreement between you and Qash regarding the Services and supersede any prior agreements on the same subject.

Severability. If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it enforceable while preserving its intent.

No Waiver. Our failure to enforce any right or provision of these Terms shall not be a waiver of such right or provision.

Assignment. You may not assign or transfer these Terms or your Account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets, or to an affiliate.

Force Majeure. Qash shall not be liable for any delay or failure in performance resulting from events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, internet or telecommunications outages, blockchain network disruptions, smart contract exploits, government action, or failures of third-party infrastructure.

Notices. We may send notices to you by email at the address registered for your Account, by posting on the Services, or by other reasonable means. Notices to Qash should be sent to contact@qash.finance.

Headings. Section headings are for convenience only and do not affect interpretation.

Language. These Terms are drafted in English. Translations, if any, are provided for convenience and the English version controls in the event of any inconsistency.

20. Contact Information

For questions about these Terms, contact:

Qash, operated by Quantum3 Labs Pte. Ltd. (Singapore, registration no. 202334922W)

Email: contact@qash.finance

Website: qash.finance