Terms of Service

1.1. These Terms and Conditions of Service (hereinafter referred to as the 'Terms and Conditions' or 'Terms') govern the provision of electronic services to you (hereinafter referred to as 'you' or 'your') by Rampnow Sp. z o.o., a company duly registered in the Polish company register (KRS) under number 0001025453, with its registered office at ul. Uniwersytecka 13, Katowice, 40-007, Poand, NIP: 7252329424, REGON: 524745639 (hereinafter referred to as 'Rampnow', 'we', 'our', or 'us')

1.2. Only the following individuals and entities are eligible to use our products and services:

1. natural persons who are at least 18 (eighteen) years of age and possess full legal capacity under applicable law;
2. legal persons and other entities that have legal capacity under the laws governing their operations.

All eligible parties must accept these Terms and Conditions and enter into a legally binding contract for the provision of services in accordance with the terms outlined herein.

1.3. For the purposes of these Terms and Conditions, the following definitions apply:

Cryptocurrencies - a digital asset secured by cryptographic methods, representing value or contractual rights, utilizing distributed ledger technology and capable of being transferred.

Customer - refers to an individual or entity that has successfully completed the registration and KYC verification process. Customers have full access to Rampnow’s services, including the ability to conduct transactions, manage accounts, and use all Platform functionalities.

FIAT Currencies - government-issued currency, typically in the form of coin or paper, that is designated as legal tender and customarily used for transactions within the issuing country.

Payment Operators - licensed and authorized payment service providers who collaborate with Rampnow to facilitate transactions.

Permitted Users - refer to individuals or entities who have been expressly authorized by a verified Customer to access, manage, or execute transactions using the Customer’s Rampnow Account. These individuals act on behalf of the Customer and are subject to the same legal, regulatory, and security requirements as the Customer. Authorization must be formally granted, and Rampnow reserves the right to verify the identity and eligibility of all Permitted Users. The procedure for granting authorization is as follows:

1. The Customer must formally submit a request to Rampnow, identifying the individual or entity to be authorized;
2. Rampnow will verify the identity and eligibility of the Permitted User, which may include KYC checks and identity documentation;
3. Once verified, the Permitted User will receive credentials to access the Customer’s account with permissions set by the Customer.

The Customer retains the right to revoke access to any Permitted User at any time. A formal revocation request must be sent to Rampnow via the designated email: [email protected]. Upon receipt of the request, Rampnow will process and enforce the revocation within 24 hours, ensuring that the Permitted User's access to the Customer's account is immediately restricted. No further actions may be taken by the Permitted User once the revocation is processed.

Platform - refers to the comprehensive digital infrastructure provided and maintained by Rampnow, including the website (rampnow.io), mobile applications, APIs, and any associated software or systems. This Platform facilitates the execution of services provided by Rampnow, such as cryptocurrency transactions, account management, communication, and other related services. It operates as a fully integrated system enabling Users and Customers to access, use, and interact with Rampnow’s services. The Platform encompasses both front-end interfaces and back-end systems necessary for service delivery, including transaction processing, data storage, and user authentication.

Rampnow Account - a verified customer's personal account, enabling them to execute transactions through the Platform.

Rampnow Services or Services - encompass the full range of functionalities offered through the Platform. These include, but are not limited to:

1. General Services - providing Users and Customers with access to the Platform for conducting cryptocurrency transactions, account management, and accessing market data;
2. Payment Services - facilitating the deposit and withdrawal of FIAT Currencies and Cryptocurrencies via licensed Payment Operators, including managing fiat-crypto conversions;

Restricted Person - are individuals or entities who are prohibited from accessing or using Rampnow Services due to legal, regulatory, or internal policy restrictions. This includes individuals convicted of financial crimes (e.g., tax evasion), those subject to anti-money laundering or counter-terrorist financing regulations, and persons residing in jurisdictions where Rampnow Services are restricted or illegal. Any person meeting these criteria is not eligible to register, use, or access Rampnow Services.

User - refers to any individual or entity that has initiated the registration process on the Rampnow Platform but has not yet completed the full identity verification required under Rampnow's KYC procedures. Users have limited access to services, meaning they can browse the platform and initiate actions but cannot perform full transactions or access certain features until verification is complete.

1.4. The Terms govern your use of the Rampnow Services made available to you through the Platform.

1.5. By registering for a Rampnow Account, you agree that you have read, understood and accepted these Terms, together with any additional documents or terms referred to in these Terms. You acknowledge and agree that you will be bound by and will comply with these Terms, as updated and amended from time to time.

1.6. If you do not understand and accept these Terms in their entirety, you should not register for a Rampnow Account.

1.7. These Terms include Rampnow's Privacy Policy and other applicable policies, terms, and conditions that may be provided or referenced by Rampnow, which may be amended from time to time (collectively referred to as the 'Policies').

1.8. Each User and Customer is required to safeguard their passwords, email accounts, and login credentials on the Exchange. Under no circumstances should these details be disclosed to third parties.

1.9. Rampnow does not accept individuals as Users or Customers who are citizens or residents of the following countries due to legal, regulatory, and internal policy restrictions: Afghanistan, Bangladesh, Belarus, Bolivia, Cuba, Democratic Republic of the Congo, Dominican Republic, Ecuador, El Salvador, Guatemala, Haiti, Honduras, Iran, Libya, Myanmar (Burma), Nicaragua, North Korea (Democratic People's Republic of Korea), Pakistan, Panama, Russia, Somalia, Sudan, Syria, United States of America, Venezuela, Yemen, Zimbabwe. Access to the Platform from these jurisdictions is prohibited, and any accounts associated with such users will be terminated in accordance with Rampnow's policies.

2.1. Rampnow’s information and communication system includes a set of cooperating IT devices and software, providing the processing and storage, as well as sending and receiving data via telecommunications networks, by means of a terminal device appropriate for the given type of network.

2.2. Rampnow system collects personal data of Users and Customers of the Exchange, and its processing is carried out in accordance with the provisions of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation), OJ L 119, 4.5.2016. For more information on the processing of personal data of Users and Customers of the Exchange, as well as visitors to Rampnow's website, please go to the Privacy Policy.

2.3. Rampnow provides information society services (in accordance with Directive (EU) 2015/1535 of the European Parliament and of the Council of 9 September 2015 laying down a procedure for the provision of information in the field of technical regulations and of rules on Information Society services, OJ L 241, 17.9.2015), which consists of:

1. providing technical tools that enable Customers to connect with licensed Payment Operators or third-party providers in order to purchase, sell, or exchange virtual currencies (hereinafter referred to as “Cryptocurrencies”), including into currencies recognized as legal tender (hereinafter referred to as “FIAT Currencies”). Rampnow acts solely as a technology provider and facilitator, and is not a counterparty to any such transactions.
2. enabling Customers to deposit and withdraw FIAT Currencies through Payment Operators to allow Customers to make the transactions indicated in (a) above;
3. facilitating the execution of Cryptocurrencies transfers from Customers' wallets held privately or by another service provider and vice versa.

(hereinafter collectively referred to as the 'Services').

2.4. As part of the Services listed in point 2.3 above, Rampnow does not provide payment services. All payment services necessary to carry out transactions between Customers, including, in particular, handling the making of deposits and withdrawals are provided to Customers by payment service operators cooperating with Rampnow, who are authorized to provide payment services in accordance with Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the framework of internal market, amending Directives 2002/65/EC, 2009/110/EC, 2013/36/EU and Regulation (EU) No. 1093/2010 and repealing Directive 2007/64/EC, which are:

1. Paysafe Payment Solutions Limited, a private company registered in Ireland under company number 626665, with its registered office at 70 Sir John Rogerson’s Quay, Dublin 2, D02 R296, Ireland,
2. Skrill Limited, a private limited company registered in England and Wales under company number 04260907, with its registered office at 2 Gresham Street, 1st Floor, London EC2V 7AD, United Kingdom,
3. Paysafe Financial Services Limited, a private limited company registered in England and Wales under company number 04478861, with its registered office at 2 Gresham Street, 1st Floor, London EC2V 7AD, United Kingdom, (collectively referred to as the “Paysafe” ).
4. Ivy GmbH, a limited liability company (Gesellschaft mit beschränkter Haftung - “Ivy GmbH”) registered in Germany under registration number HRB 270289, with its registered office at Sandstraße 33, 80335 Munich, Germany,
5. Volt Technologies Holdings Limited, which is a limited company registered in England and Wales with registered number 12140559, authorized and regulated by the Financial Conduct Authority under the Payment Services Regulations as a Payment Institution (FRN: 925340).

2.5. The nature and conditions of use of payment services are regulated in accordance with the provisions of national law applicable to the payment service operators concerned and the and the terms and conditions of the payment service operators.

Terms and conditions of Ivy GmbH are available at https://www.getivy.io/terms-and-conditions

Terms and conditions of Paysafe are available at https://www.paysafe.com/fileadmin/content/pdf/Mindbody_acquiring_terms_10_05_2016_CC_and_SEPA.pdf

Terms and conditions of Volt Technologies Holdings Limited are available at https://www.volt.io/legal/terms/

2.6. Before using Rampnow's Services, you are obliged to read the terms and conditions of payment services and comply with them. Detailed information regarding the rights and obligations of customers can be found in the terms and conditions of the payment service operators.

2.7. The Platform may display information regarding the status of a Customer’s transactions or balances as reported by Payment Operators or wallet providers. Rampnow itself does not hold or manage Customer funds.

2.8. The rates of each Cryptocurrency on the Exchange result from transactions made by Exchange Customers without Rampnow's interference.

3.1. In order to properly use the Platform, a device with access to the Internet, supporting a web browser (e.g. Mozilla, Opera, Chrome) is required, as well making Java Script and Cookies available in the browser. Rampnow cautions and notes that the use of an outdated web browser may cause the Platform to not function properly.

3.2. Each User and Customer shall be solely responsible for ensuring technical compatibility between the computer equipment or terminal device it uses as well as the information and communication system or telecommunications system and the Platform.

3.3. Rampnow shall not be held liable for any improper functioning of the Platform resulting from issues caused by the User’s and Customer’s system or software, including but not limited to using outdated or incompatible software, systems, or configurations.

3.4. Rampnow, when implementing updates to the Platform that involve significant technological modifications which may impact the quality of the Services provided, shall notify Users and Customers by prominently displaying such information on the Platform. Changes to technical requirements shall not be deemed amendments to the Terms unless they result in Rampnow being unable to continue providing the Services to Users and Customers.

3.5. Rampnow reserves the right to suspend or terminate the provision of specific functionalities of the Platform for the purposes of maintenance, overhaul, or expansion of the technical infrastructure, if such actions are necessary to ensure the stability of the Platform's operations. In the event of such a necessity, Rampnow will make every reasonable effort to notify Users and Customers in advance, providing the scheduled date and time of the technical interruption. This information will be made available on the Rampnow website for the review of Users and Customers.

3.6. Rampnow reserves the right to restrict access to some or all functionalities of the Platform due to the laws in force in a given territory, or against individual Users or Customers.

3.7. The use of the Platform by Users and Customers is based on the principles of 'client-server' architecture, which means that all changes are processed, executed, etc. on the server of the Platform, and the User's or Customer's device is the party making the request and retrieving the information.

3.8. Rampnow is not responsible for any external wallets, services, or applications that Users or Customers use to store or manage Cryptocurrencies outside of the Platform’s infrastructure, even if such wallets or services are used to transfer Cryptocurrencies to or from the Platform.

4.1. Eligibility criteria. To be eligible to register for a Rampnow Account and use the Rampnow Services, you must:

1. be an individual, corporation, legal person, entity or other organisation with the full power, authority and capacity to (1) access and use the Rampnow Services; and (2) enter into and comply with your obligations under these Terms;
2. if you are an individual, be at least 18 years old;
3. if you act as an employee or agent of a legal entity, and enter into these Terms on their behalf, you must be duly authorised to act on behalf of and bind such legal entity for the purposes of entering into these Terms;
4. not have been previously suspended or removed from using Rampnow Services;
5. not be a Restricted Person;
6. not currently have an existing Rampnow Account; and
7. not be located, incorporated, otherwise established in, or resident of, or have business operations in a jurisdiction where it would be illegal under Applicable Law for you to access or use the Rampnow Services, or cause us or any third party to contravene any Applicable Law; or a country listed on our Ramp List of Prohibited Countries, published on the Rampnow website under the 'Prohibited Countries' tab.

5.1. By using our services, you acknowledge and confirm that you have not been solicited, marketed to, or otherwise approached by Rampnow or any of its affiliates within the United Kingdom. Any engagement with our services has been initiated by you independently, without any direct or indirect solicitation.This platform is not intended to actively market or promote its services to residents of the United Kingdom. Users from the UK who access or use our services do so on their own exclusive initiative (reverse solicitation).

6.1. The agreement for the provision of Services between Rampnow and the Customer is established for an indefinite duration.

6.2. To finalize the Account Registration, the Customer is required to submit an email address, password, telephone number, and a unique login for the individual Account. Additionally, two-factor authentication (hereinafter referred to as the '2FA') must be configured. 2FA refers to verifying the Customer's identity through two separate authentication factors, typically involving additional elements such as codes, keys, physical devices, or security questions.

6.3. Following Account Registration, each User is assigned a unique identifier (hereinafter referred to as the 'Account') to access the Services.

6.4. Each User and Customer is permitted to maintain only one Account on the Platform, with the understanding that a single telephone number can only be linked to one Account of a natural person Customer and to the Accounts of institutional Customers whom they represent.

6.5. If it is determined that a single telephone number is associated with multiple Accounts belonging to natural person Customers, Rampnow may require each affected Customer to update the telephone number linked to their respective Account. Should the required update not be completed within the timeframe set by Rampnow, which shall not be less than 7 days, Rampnow reserves the right to suspend the provision of services to the Customer and block the Account until the telephone number is duly updated.

6.6. In addition, it is required that the User/Customer provide a telephone number, which telephone number should remain active and current as directly assigned to the User/Customer for the duration of the business relationship with Rampnow (inter alia, in connection with the transmission of information to the User/Customer related to security on the Platform). In the event of a change in the telephone number, the User/Customer is obliged to immediately notify Rampnow of this fact and make the appropriate update of the data in the Account in this regard. Possession of an outdated or inactive telephone number will entitle Rampnow to suspend the provision of Services to the User/Customer and limit the functionality of the Account on the Platform until the necessary update is made.

6.7. In order to obtain the full functionality of the Account, it is necessary to carry out the identification of the User by:

1. in the case of a User who is a natural person: providing data from the User's identification document, including their name, surname, citizenship, as well as address of residence, country of birth, information on tax residency and statement on being a politically exposed person or either relative or close associate of such person, telephone number, date of birth and - for countries where it will apply - individual identification number (e.g. PESEL) or a statement that they do not have such a number;
2. in the case of a User who is a legal entity or an organizational unit: sending a scan of a copy of the relevant Commercial Register in which the entity is registered, data on the business activity, a scan of the confirmation of the assignment of the tax identification number and other national identification numbers - if the number is not shown in the copy of the Commercial Register, as well as data from the document stating the identity of the natural person authorized to represent the User, including their name, surname, citizenship, as well as their address of residence, tax residency information, country of birth, information on being a politically exposed person, telephone number, date of birth and individual identification number, or a statement that they do not have such a number. The User is also obliged to provide the above information on all of the User's Ultimate Beneficial Owners up to the designation of individuals.

7.1. You must create and maintain a Rampnow Account in order to access the Rampnow Services and the Platform.

7.2. All Rampnow Accounts are provided at our absolute discretion. We reserve the right to refuse any application for a Rampnow Account without reason or to limit the number of Rampnow Accounts that you may hold.

7.3. By opening a Rampnow Account, you agree to the following conditions:

1. if you are an individual user, you shall utilize your Rampnow Account exclusively for your personal use and not on behalf of any third party, unless prior written consent has been obtained from Rampnow;
2. you acknowledge and accept full responsibility for any and all activities conducted through your Rampnow Account.

7.4. You are required to comply with Rampnow's identity verification procedures before being granted permission to open a Rampnow Account and access or utilize the Rampnow Services, whether independently or through a third-party service. This process necessitates the submission of specific information about yourself and, where applicable, any of your Permitted Users. All information provided must be complete, accurate, and truthful at the time of submission. You are obligated to promptly update any such information in the event of any changes.

7.5. You authorize Rampnow to make inquiries, whether directly or through third parties, that Rampnow considers necessary to verify your identity, as well as that of any Permitted Users, or to protect you and/or Rampnow against fraud, money laundering, terrorist financing, other financial crimes, or anything that is required per Applicable Law, and to take any action deemed necessary based on the results of such inquiries.

7.6. When Rampnow carries out inquiries, you acknowledge and understand that your personal data, and that of any Permitted Users, may be disclosed to identity verification, compliance data recordation, credit reference, fraud prevention, or financial crime agencies, and that these agencies may respond to Rampnow's inquiries in full.

7.7. You can review Rampnow's Privacy Notice to obtain more information about how your personal data is processed.

7.8. Rampnow may also require you to comply with its enhanced due diligence procedures by submitting additional information about yourself, your business, or your Permitted Users, providing additional records or documentation, or having face-to-face meetings with representatives of Rampnow.

7.9. Rampnow keeps your personal data to enable your continued use of Rampnow Services, for as long as it is required in order to fulfill the relevant purposes described in this Privacy Notice, 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. Please review our Privacy Notice for more information on how we collect and use your personal data relating to the use and performance of our Website and the Rampnow Services.

7.10. Your access to your Rampnow Account and the Minimum Order that apply to your use of the Rampnow Services may be altered as a result of information collected about you on an ongoing basis or in accordance with any applicable law. If there is reasonable suspicion that any information provided by you is incorrect, untruthful, outdated, or incomplete, Rampnow may send you a notice to request corrections, remove relevant information, or take any other actions deemed necessary to ensure that the information provided by you is accurate and complete, or to comply with applicable law.

7.11. 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 Rampnow Account, or to all or part of it, without notice.

7.12. Rampnow complies with European and national anti-money laundering and counter-terrorist financing laws, in particular Directive (EU) 2015/849 of the European Parliament and of the Council of 20 May 2015 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Regulation (EU) No 648/2012 of the European Parliament and of the Council, and repealing Directive 2005/60/EC of the European Parliament and of the Council and Commission Directive 2006/70/EC, subsequently amended by Directive (EU) 2018/843 of the European Parliament and of the Council of 30 May 2018 amending Directive (EU) 2015/849 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, and amending Directives 2009/138/EC and 2013/36/EU. The Customer's accession to the use of the Services provided by Rampnow implies acceptance of the relevant application of the above regulations.

7.13. In connection with the applicable laws in Poland, implementing the provisions of Polish law rulers on the requirements and procedure for identification of persons and verification of person’s identity data with information technology means, Rampnow informs that the activities undertaken in connection with the identification of Users and Customers and verification of their personal data are carried out on the basis of the provisions of the Polish Money Laundering and Terrorist Financing Prevention Act dated of March 1st, 2018 in particular:

1. identification of the User and the Customer, or the person representing the User or the Customer, or who is the beneficial owner of the User or the Customer, and verification of its identity by IT means shall be carried out in accordance with the procedure set forth in Article 37 of the Polish Money Laundering and Terrorist Financing Prevention Act dated of March 1st, 2018;
2. identification of the User or the person representing the User, or being the User's beneficial owner, and verification of the User's identity does not obligate Rampnow to establish a business relationship or guarantee the availability of the Services.

7.14. Detailed information on Account Registration and identity verification can be found in Policy and Privacy. Verification may be considered unsuccessful in case of inconsistency of identification data with the documentation provided for verification purposes or in a situation where the documents provided are in a language other than English, and if the quality of the documents provided makes it impossible to read them or makes it difficult to verify their authenticity.

7.15. The conclusion of a contract for the provision of Services between the Customer and Rampnow takes place upon acceptance of the performed authentication and verification of the User's identity in the process of account registration on the Platform (hereinafter referred to as 'Account Registration'). With the conclusion of the contract for the provision of Services, the User becomes Rampnow’s Customer.

7.16. Account Registration on the Platform is always equivalent to acceptance of these Terms and Conditions.

7.17. By accepting these Terms and Conditions, each User and Customer represent that:

1. it is familiar with the risks of investing in Cryptocurrencies and is aware that one element of these risks is the possibility of losing all invested funds as a result of changes in Cryptocurrency exchange rates;
2. it is aware that the primary threat to every Internet user, including those using services provided electronically, is the possibility of taking control of the User's or Customer's device or otherwise obtaining the User's or Customer's data by third parties in order to take over the Account on the Platform, resulting in, among other things, the unauthorized use of the Customer’s Account or transactions performed without authorization- the User or Customer is solely responsible for such events and cannot make any claims against Rampnow on this account.

8.1. Withdrawals and settlements of FIAT Currencies or Cryptocurrencies are carried out exclusively by the Payment Operators or third-party service providers involved in the transaction. Rampnow does not hold client funds or private keys. Funds are always returned directly to a bank account or digital wallet belonging solely to the Customer, subject to identification and verification requirements.

8.2. The provision of Rampnow Services is subject to fees. Information on the applicable fees is indicated in Fees and Charges – Addendum 1 and is also displayed in real time at the moment of placing an order through the Platform. These fees include (i) commissions or charges applied by Payment Operators and (ii) Rampnow’s facilitation fee for providing access to the Platform and intermediation services. Rampnow does not retain or control fees charged by Payment Operators.

8.3. The minimum order amount is 15.00 EUR, applicable for both deposits and withdrawals.

8.4. Each User and Customer is obliged to refrain from performing any unlawful acts in the use of the Services, in particular:

1. using the Services directly or indirectly for a purpose that is contrary to the law, the Terms and Conditions, code of conduct or good morals;
2. using the Services in a manner that violates the rights of Rampnow or the rights of third parties, including other Users and Customers;
3. providing by or to the Platform's data communications system data that causes disruption of the operation or overload of the Platform's data communications system or of third parties directly or indirectly involved in the provision of the Services, or that otherwise violates the law, the Terms and Conditions, the welfare of Rampnow or third parties, the code of conduct or good morals.

9.1. By opening a Rampnow Account or carrying out any transaction, and without prejudice to any other restriction or limitation set out in these terms, you agree that you and any Permitted User will not:

1. breach these Terms or any agreement entered into pursuant to, or in connection with, these Terms, including, but not limited to, any product terms;
2. use Rampnow Services for resale or commercial purposes, including transactions on behalf of other persons or entities, unless expressly agreed by us in writing;
3. use the Rampnow Services for anything which, in Rampnow’s sole opinion, is conduct designed to control or artificially affect the price of any digital asset (market manipulation) including, without limitation, pump and dump schemes, wash trading, self-trading, front running, quote stuffing, and spoofing or layering regardless of whether prohibited by applicable law;
4. engage in fraudulent activities, or cause us to suspect that you or any Permitted User have engaged in fraudulent activities and/or Transactions;
5. use Rampnow Services to conduct or participate in lotteries; gambling activities; bidding fee auctions; sports forecasting or odds making; fantasy sports leagues with cash prizes; internet gaming; contests; sweepstakes; or games of chance;
6. attempt to obtain funds or settlements from both Rampnow and another party for the same transaction, or otherwise create duplicative claims;
7. conduct your business or use the Rampnow Services in a manner that results in, or may result in, complaints, disputes, claims, reversals, chargebacks, fees, fines, penalties, or other liability to us, other users, third parties, or yourself;
8. provide false, inaccurate or misleading information in connection with your use of the Rampnow Services, in communications with us, or otherwise connected with these Terms.
9. attempt to misrepresent or falsify the availability, value, or ownership of Digital Assets in connection with the Services.

10.1. Rampnow does not provide custody or storage of Customers’ cryptoassets or fiat funds. All assets remain under the direct control of Customers and/or licensed third-party payment operators.

10.2. Rampnow provides the Platform on a non-custodial basis and undertakes to implement appropriate technical and organisational measures to ensure:

1. Rampnow provides the Platform on a non-custodial basis and undertakes to implement appropriate technical and organisational measures to ensure:
2. secure access to the Platform and Accounts through two-factor authentication (2FA) and encrypted communication;
3. protection against unauthorised access, including the use of firewalls, intrusion detection systems and real-time activity monitoring;
4. regular audits and updates to identify and address potential vulnerabilities.

11.1. Rampnow informs the Client that the following types of crypto-assets are not allowed to be traded or stored on the Platform:

1. Crypto-assets of an illegal nature – any tokens or digital currencies used for illegal activities, including terrorism financing, money laundering or trading in illegal goods,
2. Anonymous crypto-assets (“privacy coins”) – tokens that have a built-in anonymization function, unless it is possible to identify the holders of the crypto-assets and their transaction history by Rampnow,
3. Tokens with an unverified reputation – crypto-assets related to projects without reliable documentation, a transparent team or a history of operation, including “rug pull” projects.
4. Crypto-assets associated with criminal activity – assets related to fraud, financial pyramids, phishing or other illegal activities.
5. Tokens without utility value – crypto-assets that have no specific use or technological or business foundations,

11.2. Rampnow may temporarily suspend or restrict access to certain cryptoassets through the Platform if:

1. they become the subject of regulatory or legal proceedings affecting their legality; or
2. they exhibit technical issues such as security vulnerabilities, network problems, or lack of support from the project’s creators.

11.3. Rampnow reserves the right to exclude certain cryptoassets from being available through the Platform if it deems it necessary for legal, regulatory, or security reasons. In such cases, Rampnow will inform Customers of the decision and, where applicable, provide guidance on how to complete or cancel pending transactions.

11.4. All purchase and sale prices of cryptoassets and the level of interest in concluding transactions at these prices are publicly available on the Platform on a continuous basis during the hours in which transactions can be performed (24/7, except for technical breaks and emergency situations).

11.5. Rampnow displays, as close to real-time as technically possible, price, volume and time information for transactions routed through its Services, based on data received from external providers

12.1. Client can report complaints in the following ways:

1. electronically - via e-mail to the following address: [email protected]
2. in writing – sent via the postal operator by registered mail to the Rampnow correspondence address: ul. Uniwersytecka 13, 40-007 Katowice.

12.2. Filing a complaint is free of charge. If a complaint is submitted in writing, the Client bears the cost of sending the complaint by registered mail at the rates of the postal operator. On the Platform's website, Rampnow provides a template form for filing a complaint, which the Client may use, but this is not obligatory. If the Client decides to use the form, he or she should complete it in accordance with the instructions provided in the form and attach it to an e-mail, and if submitted in writing - print the form and sign it.

12.3. Each complaint, regardless of the form in which it is submitted, should include:

1. name and surname of the Client (in the case of natural persons) or full name of the entity and organizational form (in the case of legal persons and organizational units without legal personality),
2. tax identification number (in the case of entrepreneurs),
3. contact details, including at least e-mail address,
4. description of the case, including the circumstances that led to the problem or the Client's objections,
5. indication of the service or transaction to which the complaint relates, along with transaction identifiers or reference numbers, if known to the Customer,
6. determining what actions, omissions or decisions of Rampnow the Customer considers inconsistent with his rights, expectations or legal provisions,
7. indication of the Client's request.

12.4. The Client may indicate one of the following requests in his complaint:

1. refund for an erroneous transaction,
2. fixing a Platform or service error,
3. improving the quality of the service,
4. other - Rampnow activity specifically indicated by the Client.

12.5. Rampnow will promptly acknowledge receipt of the Client’s complaint.

12.6. Rampnow, responds to the Customer's complaint as soon as possible, but no later than 14 (fourteen) calendar days from the date of its receipt.

12.7. The deadline indicated in the point above may be extended to a maximum of 60 (sixty) days in particularly complicated cases that make it impossible to consider the complaint within normal time, in particular in the case of complex matters or matters requiring consultation with external entities. The Client will be informed about the extension of the complaint consideration period immediately, but no later than at least 1 (one) calendar day before the deadline specified in the point above. Rampnow ensures that the extension of the period for considering the Clients complaint will be made only in cases justified and necessary due to the circumstances of a given case.

13.1. Rampnow shall be entitled to prevent (block) access to data entered by a User or Customer into the Platform's information and communication system in the event of:

1. receipt of official notification of the unlawful nature of the stored data or related activities;
2. reliable information or becoming aware of the unlawful nature of the stored data or related activities;
3. in the cases listed in the body of the Terms and Conditions.

13.2. In the case referred to in point 1 above, Rampnow shall immediately notify the User or Customer of its intention to prevent (block) access to the data. The notification shall be sent to the email address or telephone number of the User or Customer indicated and confirmed at the time of registration, or, in the case of a change in this regard made by the User or Customer after the date of registration, to the changed and confirmed email address or telephone number. The notice referred to in the preceding sentence will be sent to the User or Customer, provided that it does not constitute a violation of generally applicable law.

13.3. If Rampnow receives an enforceable decision from a competent authority of an EU Member State, or any institution established under an international agreement binding on Poland, Rampnow may suspend the relevant Account and restrict access to the Services. Rampnow does not hold Customer funds or cryptoassets; however, where applicable, Customers are informed that Payment Operators or wallet providers may act independently to block or freeze assets pursuant to such decisions. Rampnow shall notify the User or Customer of the suspension within 7 days, unless notification is prohibited by law.

13.4. Furthermore, in the event of a breach of internal security procedures by the User or Customer or the necessity for Rampnow to take the required steps to confirm the compliance of actions taken by a User or Customer with internal security procedures and legal requirements imposed on Rampnow, Rampnow reserves the right to impose a restriction on the functionalities of the (User's or Customer’s) Account on the Platform:

1. as a rule, for a period not exceeding 48 hours, or
2. in the event of circumstances justifying its extension, for a longer time than the time necessary to verify the above.

14.1. The contract for the provision of Services between Rampnow and the Customer is concluded for an indefinite period of time.

14.2. The Customer may discontinue the use of the Services at any time and terminate the contract for the provision of the Services with immediate effect under the rules set forth in the Terms and Conditions.

14.3. The contract may be terminated:

1. at the Customer's request with immediate effect, except when the Customer is in the process of verifying the source of funds or other processes related to the security of transactions carried out by Rampnow, and resulting from the application of due diligence measures and other laws;
2. by Rampnow, in the cases indicated in the Terms and Conditions.

14.4. Upon termination of the contract, Rampnow shall disable the Customer’s access to the Platform. Rampnow does not hold or return customer funds or cryptoassets; any withdrawals or settlements are carried out directly by the relevant Payment Operators or wallet providers.

14.5. In order to terminate the contract, the Customer should ensure that all pending transactions initiated through the Platform are either completed or cancelled prior to termination.

14.6. Upon satisfaction of the condition outlined in the preceding section, the Customer is entitled to terminate the Service Agreement by electronically submitting a termination notice to the designated email address.

14.7. In the event of a material violation by the Customer of the law, the Terms and Conditions, the rights of Rampnow or the rights of third parties, the code of conduct or good morals, Rampnow shall have the right to terminate the contract for the provision of Services.

14.8. In the event of violation of the law and in the event that the Customer has not been properly identified or verified, termination of the contract for the provision of Services shall be effective immediately.

14.9. Termination of the contract for the provision of Services by Rampnow shall, as a rule, take effect after 7 days’ notice. During the notice period, access to the Platform may be restricted.

14.10. Rampnow retains the right to suspend or terminate the Agreement with immediate effect if it can no longer provide Services in a given jurisdiction. Upon termination, all rights and licenses granted under these Terms shall end, and Confidential Information shall be returned or destroyed.

14.11. Furthermore, the Service Agreement shall terminate immediately and automatically upon the death of the user (in the case of natural persons) or upon the liquidation of the entity (in the case of legal entities). Rampnow does not hold Customer funds or cryptoassets; any rights to such assets must be exercised directly with the relevant Payment Operators, wallet providers, or under applicable succession or insolvency law.

14.12. Termination of the contract for the provision of Services may result in the deletion of all data entered by the Customer into the Platform’s information and communication system, unless otherwise required by law.

14.13. Rampnow stipulates that if Rampnow terminates the contract for the provision of Services in accordance with the Terms and Conditions, Rampnow may not re-establish any business relationship with the Customer in the future, including the conclusion of the contract for the provision of Services, and the opportunity to re-register on the Platform will be blocked.

15.1. The rules for the processing of personal data used and processed by Rampnow, as well as regulations on privacy policy are placed on the Platform in the contents of Privacy Policy and Cookies. These documents are integral parts of these Terms and Conditions.

16.1. Each User and Customer is responsible for all actions taken after logging into the Platform using their login/email address and password, or to the mobile application using the API and API keys. This includes actions through third-party systems, applications, or services where the User or Customer has provided their API key or other data enabling synchronization with the Platform.

16.2. Users and Customers use the Services at their own risk, except to the extent Rampnow is liable under mandatory law. Rampnow takes reasonable steps to maintain Platform security and to prevent unauthorized access.

16.3. Customers are responsible for ensuring that they provide accurate and up-to-date transaction information when utilizing third-party services through the Platform.

16.4. In the event of any transaction discrepancies or issues, the Customer must promptly notify both Rampnow and the third-party operator to resolve the matter efficiently.

16.5. Rampnow shall be liable to Users and Customers for failure to perform or improper performance of the Services, except where the failure arises from circumstances for which Rampnow is not legally responsible.

16.6. Rampnow shall not be liable for the non-performance or improper performance of obligations undertaken by other Users or Customers.

16.7. Rampnow is not responsible for the following:

1. deletion of data entered by Users or Customers into the Platform’s system by external systems outside Rampnow’s control;
2. the consequences of Users or Customers sharing login credentials or API keys with third parties;
3. transactions carried out after successful login using the User’s or Customer’s credentials;
4. the actions or omissions of third-party operators providing services to Users or Customers;
5. the accuracy of deposits or withdrawals of Cryptocurrencies if issues arise from the network of a specific Cryptocurrency;
6. delays in Platform display on devices caused by external servers or User/Customer devices;
7. transaction registration time when debiting Cryptocurrency wallets;
8. incorrect entry of deposit or withdrawal data by the Customer - any cancellation will incur fees from the bank or service operator;
9. financial losses incurred during technical breaks;
10. exchange rate differences due to transaction or account blocking in accordance with legal or regulatory requirements;
11. technical limitations such as data transmission speed related to the User’s or Customer’s equipment or infrastructure;
12. any use of the Platform contrary to applicable law, these Terms, or standard codes of conduct.

16.8. These Terms are applied in accordance with consumer protection laws.

16.9. Rampnow may amend these Terms and Conditions at its discretion. Where possible, advance notice will be provided. However, in cases where immediate changes are necessary due to legal or regulatory requirements, customer interests, or other urgent reasons, such changes may be made without prior notice. Rampnow will inform Users and Customers of the changes as soon as possible.

16.10. Rampnow's liability for any losses is limited to the amount paid or payable by the Customer during the calendar year, except for damages resulting from gross negligence or mandatory legal regulations.

16.11. Rampnow collaborates with licensed and authorized third-party payment operators to facilitate transactions, including deposits and withdrawals of FIAT currencies and Cryptocurrencies. While these operators comply with applicable regulations, Rampnow’s liability is limited when transactions are processed by such operators.

16.12. Rampnow is not liable for delays, errors, or transaction failures caused by third-party operators. Any disputes or claims regarding such transactions must be resolved directly with the respective operator.

16.13. Rampnow will make every reasonable effort to ensure accurate and timely updates regarding transaction statuses on the platform, based on information provided by third-party operators. However, Rampnow is not responsible for discrepancies or delays resulting from issues within the control of the third-party operators.

16.14. Rampnow ensures that its platform remains functional and secure, providing seamless integration with third-party operators. However, technical or operational failures on the part of these operators fall outside Rampnow’s liability.

16.15. Third-party operators are fully responsible for their services, including compliance with anti-money laundering and counter-terrorist financing regulations.

16.16. In the event of any fraudulent activities or irregularities during transaction processing by third-party operators, the Customer must directly engage with the operator to resolve the issue. Rampnow will assist in any reasonable manner to facilitate this resolution but is not liable for the operator's actions.

17.1. Before using Rampnow Services, you need to read the following information about the risks associated with cryptoasset trading:

1. High price volatility
   Cryptocurrencies available on rampnow.io are characterized by high price volatility. Prices can fluctuate rapidly in a short period of time, which can lead to both profits and significant losses, including the loss of all invested capital.
2. Lack of investor protection
   Cryptocurrencies offered on rampnow.io are not regulated financial instruments. This means that transactions made through the Platform are not covered by investor protection schemes, such as the deposit guarantee scheme or investment compensation.
3. Technological and operational risks
   Rampnow.io operates on blockchain technology. This may involve the risk of losing funds due to hacking attacks, technical problems or operational errors. You are responsible for properly securing your login information.
4. Regulatory risk
   The rampnow.io platform operates in compliance with applicable regulations, but changing crypto regulations may affect the ability to use our services in a particular country or region.
5. Anti-Money Laundering (AML) and Countering the Financing of Terrorism (CFT) Risks
   Transactions made on rampnow.io are subject to AML and CFT procedures. As a result of these procedures, funds may be temporarily blocked or rejected if there is suspicion about their source.

17.2. Rampnow users are expected to understand these risks. In addition, there may be other risks that are not covered or specified in our Terms of Service. You must carefully assess whether your financial position and risk tolerance are suitable for buying, selling, trading virtual assets, and using them in transferring to various projects.

18.1. Both as a potential Customer and already after the conclusion of the Agreement, you may become familiar with the general nature and sources of conflicts of interest that may occur between:

(a) Rampnow and the following entities:

1. Rampnow's shareholders;
2. any person directly or indirectly related to Rampnow or its shareholders through a control relationship;
3. members of Rampnow's governing body;
4. employees of Rampnow; or
5. customers of Rampnow; or

(b) two or more customers of Rampnow whose mutual interests conflict with each other, and the actions taken by Rampnow to limit their influence.

19.1. These Terms and Conditions are governed by Polish law.

19.2. Any disputes arising from or related to this agreement shall first be resolved through amicable negotiations between the parties.

19.3. If negotiations fail, the dispute will be finally resolved by the Arbitration Tribunal at the Court of Arbitration of the Lewiatan Confederation in Warsaw, in accordance with the Rules of that Court as in force at the date of commencement of proceedings.

19.4. The arbitration process shall be two-tiered. Each party may appeal the decision of the Arbitration Tribunal in accordance with the Appellate Procedure outlined in Annex V of the Lewiatan Court of Arbitration Rules. The decision of the Appellate Panel will be final and binding.

19.5. If arbitration is bypassed or deemed ineffective, the dispute shall be resolved by the common courts of Poland. Jurisdiction will fall under the courts competent for the registered office of Rampnow Sp. z o.o., unless mandatory provisions of law provide otherwise. This ensures that in cases where arbitration cannot fully resolve the dispute, both parties can seek recourse through the formal judicial system, adhering to Polish legal standards for court jurisdiction and procedural matters.

19.6. Each party shall bear its own arbitration costs, including legal fees, unless otherwise determined by the arbitration tribunal or mutually agreed by the parties.