Customer Agreement

Last updated 16 October, 2026

This Customer Agreement ("Agreement") is between you and Zayment Finance Ltd. DBA “Endl” ("Endl," "we," or "us"). This Agreement governs your use of the services provided by or on behalf of Endl, as described herein (collectively "Services"), including, without limitation, the services and functionality provided through our website, technology software, and APIs (collectively "Platform").

This Agreement governs your access to and use of the Services. Please read this Agreement carefully as it includes important information about your legal rights. By accessing and/or using the Services, you agree to this Agreement. If you do not understand or agree to this Agreement, do not use the Services.

How this Agreement applies to you

Which Part of this Agreement governs your wallet depends on how you were onboarded, not on your choice. This is disclosed to you during onboarding, before you accept this Agreement.

• Part A (Self-Custodial Wallet Terms) applies if you access the Services through the Endl website or mobile application, a white-labelled version of either, or the Endl dashboard, and your wallet is self-custodial.
• Part B (Custodial Wallet Terms) applies if you were introduced to the Services by a Partner and your wallet is held in custody by Endl.
• Part C (Partner-Controlled Wallet Terms) applies if you were introduced to the Services by a Partner and your wallet is controlled by the Partner or by another person, and not by Endl or its custodian.

The general terms in this Agreement apply to everyone. If there is a conflict between the general terms and the Part that applies to you, that Part prevails as to your wallet and Digital Assets. If you are unsure which Part applies to you, contact us using the details under How to Contact Us.

Defined terms

Digital Assets means cryptographic tokens, stablecoins, virtual assets, and other digital representations of value. Fiat Currency means government-issued currency. Partner means a business that makes the Services available to you under an agreement with Endl. Custodian means a third-party custodian, wallet provider, or similar provider engaged by Endl that holds or controls Digital Assets or funds.

General

Overview of Services

Through the Services, you may be eligible to:

• Purchase and Sell Digital Assets (including for Fiat Currency or other Digital Assets)
• Send and receive Digital Assets and Fiat Currency
• Convert Fiat Currency balances to balances in other supported Fiat Currencies

Third-party Platforms

Our Services may integrate with certain third-party platforms ("Third-Party Platforms"). You agree that such Third-Party Platforms may have additional terms and conditions.

Digital Assets

You acknowledge and agree that Digital Asset deposits and withdrawals may be delayed due to service downtimes or congestion on the Digital Asset network. Deposits may require a certain number of network confirmations before being settled. We may set withdrawal limits or minimums for Digital Asset transactions from time to time.

Wallets and Custody

How your Digital Assets are held depends on the Part of this Agreement that applies to you. Under Part A, your wallet is self-custodial. Under Part B, your Digital Assets are held by Endl or its Custodian, and title passes to Endl on the terms of Part B. Under Part C, your wallet is controlled by someone other than Endl. Please read the Part that applies to you carefully.

Third-Party Provider Terms

Some of the Services are provided with or through third-party service providers, partners, banks, financial institutions and custodians (each a "Third-Party Provider"). The terms of a Third-Party Provider apply to the features it provides. The terms of the Third-Party Providers we currently use are available at the following links.

• Bridge Building Limited

This list is not exhaustive. We may add, remove or replace Third-Party Providers at any time. Where we add a Third-Party Provider or change its terms, we will update this list and the change takes effect as described under Changes to this Agreement.

By using a Service that is provided with or through a Third-Party Provider, you agree to be bound by that Third-Party Provider's terms that apply to the Service, as published at the link in this list or otherwise made available to you, in addition to this Agreement. You will not be asked to accept each Third-Party Provider's terms separately.

As between you and Endl, this Agreement governs, and Endl is not responsible for the acts or omissions of a Third-Party Provider except as this Agreement states. As between you and a Third-Party Provider, that provider's terms govern your rights against it.

Where a Custodian holds your Digital Assets under Part B, the Custodian's terms are included in this list and apply as described in Section B.6.

No Legal, Investment, Tax or Other Advice

Endl is not a lawyer, a law firm, investment manager, investment advisor, consultants, consulting firm, accountants, or an accounting firm. Nothing on this Platform is intended to constitute legal, investment, tax, or other advice. The past performance of any product, investment, loan, security, partnership interest, commodity or financial instrument is not a guide to future performance. WITHOUT LIMITING ANYTHING IN THE TERMS, ENDL MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY OF ITS PRODUCTS OR THE PERFORMANCE THEREOF.

Accounts

Eligibility

To use the Services, you must also be at least 18 years of age or the legal age of majority in your jurisdiction and comply with the laws of your jurisdiction regarding the use of the Services. Prohibited Person or persons residing in a Restricted Jurisdiction may not be eligible for the Services. A "Prohibited Person" refers to anyone subject to economic or trade sanctions administered by governmental authorities.

Creating Your Account/Registration

To use the Services, you must complete the registration process and then complete Endl’s account opening procedures. First, you must register for an account by verifying your email address. Upon registering your account, an Endl Account will be created for you to access your application and other resources. You agree that the registration and other information you provide to open an account is accurate, complete and current. You further agree to promptly update that information to keep it accurate, complete and current. YOU UNDERSTAND THAT A CHANGE IN YOUR STATE OF RESIDENCE MAY IMPACT YOUR ELIGIBILITY TO ACCESS AND USE THE ONLINE PLATFORM, AND HEREBY AGREE TO NOTIFY US IN ADVANCE OF ANY CHANGE IN YOUR STATE OF RESIDENCE. If you register on behalf of a business entity or other organization, you represent and warrant that you have the authority to provide the information required and to bind the organization to the Terms. You acknowledge and agree that Endl, in its sole discretion, may suspend or discontinue your, and refuse any and all current and future, access to or use of your Endl Account at any time without notice to you.

Safeguarding Your Account

You are solely responsible for safeguarding your Endl Account and maintaining the confidentiality of your password. You must notify us immediately at support@endl.app if you suspect unauthorized use of your account.

Verification , identification, Account opening, and Regulatory Compliance

Endl is dedicated to prohibiting and actively preventing money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities by observing regional requirements imposed on financial institutions. To that end, Endl may collect certain information regarding you and your operations pursuant to your internal procedures/policies/programs. Your access to and use of the services offered by Endl is/are subject to compliance with Endl’s compliance policies and programs. We also may obtain personal information related to you, from third parties in order to verify your identity, or to prevent fraud. Personal information collected from any source may include, among other things, your name and address, Social Security or taxpayer identification number, and date of birth. You certify under penalty of perjury that the information provided is correct. You hereby authorize us, or a third-party service provider that we designate, to take any measures that we consider necessary to confirm the personal information you provide, verify and authenticate your personal information, and take any action we deem necessary based on the results. You acknowledge that this process may result in a delay in registering your Endl Account, and that you may not be authorized to access or use your Endl Account until your registration has been successfully completed. As part of our legal compliance program, moreover, we will monitor your Endl Account and your use of the Platform, and review your personal information on an ongoing basis, as may be required by law or pursuant to our internal policies and procedures. At any time, we may require you to provide us with additional personal information as a condition to your continued access to and use of your Endl Account. During such time, your access to and use of your Endl Account may be temporarily restricted.

Endl may require additional verification or documentation as part of the onboarding process or during your use of the Services. You authorize Endl to verify your identity and information, which may involve checking commercial databases or credit reports.

Connecting Your Own Wallet

To use certain Services, you may need to connect a compatible third-party digital wallet ("Wallet"). You acknowledge that Endl is not responsible for the security or management of your Wallet or any assets held therein.

Account Limits

Endl may impose transaction or withdrawal limits or place temporary holds on transactions. These restrictions are implemented to protect the security and integrity of the Services.

Account Closure

You may close your Endl Account at any time. However, closing your account will not affect any obligations or liabilities incurred prior to the closure date. You must cancel all open transactions before closing your account. If no transfer instructions are provided for remaining assets, Endl may take any legally permitted action to transfer them to you. Where Part B applies to you, Section B.5 (Redemption and Exit) governs the redemption of your balance.

Actions against your Account

Endl may comply with legal actions such as subpoenas or garnishments, freezing assets in your account if required by law. Fees or expenses incurred in responding to such actions may be charged to your Endl Account.

Fees , Subscriptions and Taxes

Fees

You agree to pay all fees associated with the use of the Services. These fees may include transaction fees, service fees, and subscription fees.

Taxes

You are responsible for reporting and paying any taxes applicable to your transactions via the Services. Endl may withhold tax amounts from your transactions if required by law.

Subscription Payment

If you subscribe to any of our paid Services, you agree to pay the applicable fees and taxes. Subscriptions will automatically renew unless canceled at least 90 days before the renewal date.

Subscription Renewals and Cancellation

Your subscription will automatically renew unless you cancel 90 days before the renewal date. There are no refunds for partially used subscription periods. You will continue to have access to the Services until the end of the subscription term.

Privacy Policy

Our Privacy Policy describes how we handle your information. For more information, visit https://endl.io/legal/privacy-policy

Changes to this Agreement

We may change this Agreement, including any Part, the list of Third-Party Provider terms and any document this Agreement refers to, at any time. We will give you at least thirty (30) days' notice of a change by posting the updated Agreement on our website and, where we have your email address, by email or through your Account. The change takes effect on the date stated in the notice.

We may make a change effective immediately, or on shorter notice, where it is required by law, a regulator, a court or a Third-Party Provider, or where it is needed to protect the security or integrity of the Services or to prevent fraud or financial crime.

If you continue to use the Services after a change takes effect, you accept the change. If you do not agree to a change, you must stop using the Services and close your Account before it takes effect. Closing your Account is governed by Account Closure and, where Part B applies, Section B.5 (Redemption and Exit). Where Part A or Part C applies, you may withdraw your Digital Assets in accordance with that Part.

A change does not affect any right or obligation that arose before it took effect.

Rights we grant you

Right to use the services

We grant you a personal, non-transferable right to use the Services for your own personal or internal business purposes, as long as you comply with this Agreement.

Restrictions on Your Use of the Services

You may not copy, distribute, modify, or sublicense the Services without prior written permission. You are also prohibited from engaging in fraudulent or unlawful activities, reverse engineering, or tampering with the Services.

Ownership and Content

Ownership of the Services

Endl owns all rights, title, and interest in the Services, including intellectual property rights. You agree not to take any action inconsistent with Endl’s ownership rights.

Ownership of Feedback

Any feedback or suggestions you provide to Endl regarding the Services will be owned by Endl. You assign all rights to Endl without any compensation or retention of proprietary rights.

Third‑Party Services

The Services and Endl Site may provide access to or link to third-party services (“Third Party Services”). We engage Third-Party Services to deliver parts of the Services, such as identity verification, wallet infrastructure, banking and payment services. We provide access to Third Party Services only as a convenience, do not have control over their content, do not warrant or endorse, and are not responsible for the availability, legitimacy of, the content, products, assets, or services on or accessible from those Third-Party Services (including any related websites, resources or links displayed therein), or lack thereof. Third-Party Services are not affiliates of Endl or Zayment Finance Ltd., and operate independently. Third-party Services may provide access to assets which have high risks of illiquidity, devaluation, lockup, or loss.

Disclaimers, Limitations of Liability, and Indemnification

Disclaimers

The Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind. Endl disclaims all warranties and liabilities to the extent permitted by law.

Limitations of Liability

To the extent permitted by applicable law, and except for liability caused by Endl's own fraud or wilful misconduct as finally determined by a court, tribunal or other competent authority, Endl is not responsible for any damages arising from your use of the Services. In no event shall Endl's total liability exceed $100 or the amount you paid in the last six months for the Services, whichever is greater. Nothing in this Agreement excludes or limits any liability that cannot be excluded or limited by applicable law. The Part of this Agreement that applies to you contains additional terms on liability for your wallet and Digital Assets.

Indemnification

You agree to defend, indemnify, and hold Endl and their officers, employees, harmless from any claims, liabilities, or expenses arising out of your violation of this Agreement or misuse of the Services.

Part A: Self-Custodial Wallet Terms

Applies if you access the Services through the Endl website or mobile application, a white-labelled version of either, or the Endl dashboard, and your wallet is self-custodial.

A.1 No custody by Endl

A.1.1 Your wallet is self-custodial. Endl does not hold sole or unilateral control over the private keys or credentials needed to move the Digital Assets in your wallet, and does not take title to, or custody of, those Digital Assets.

A.1.2 You retain ownership of your Digital Assets at all times. Your wallet balance reflects Digital Assets held under an address or credential structure associated with your wallet, and is not a claim against Endl's assets.

A.1.3 Endl is not a party to, and has no liability for, the operation of the blockchain networks, smart contracts, or distributed ledger technology on which your Digital Assets exist.

A.2 Third-party infrastructure and service providers

A.2.1 Endl engages third-party providers (including wallet infrastructure providers and, where applicable, banking or payment partners) to deliver certain features of the Services. Endl is not responsible for the acts or omissions of those third parties, except as required by applicable law.

A.2.2 Loss of your device, access credentials, or recovery credentials may result in permanent loss of access to your Digital Assets. You are solely responsible for safeguarding your credentials and any recovery mechanism provided to you.

A.3 Risk acknowledgement

A.3.1 Digital Assets are speculative and involve substantial risk, including total loss. Endl does not guarantee the value, liquidity, or availability of any Digital Asset.

Part B: Custodial Wallet Terms

Applies if you were introduced to the Services by a Partner and your wallet is held in custody by Endl.

B.1 Ownership; Title Transfer

B.1.1 Upon your deposit of Digital Assets into your Account, all right, title, and interest in and to those Digital Assets immediately transfers to and vests in Endl. Your Account balance represents a contractual claim against Endl for delivery of an equivalent amount and type of Digital Assets, redeemable in accordance with this Agreement, and does not constitute a proprietary, beneficial, or other ownership interest in any specific Digital Assets held by Endl.

B.1.2 Endl may use, invest, loan, pledge, hypothecate, commingle, or otherwise deal with Digital Assets received from you as its own property, in its sole discretion, subject to its obligation to deliver Digital Assets in accordance with your valid withdrawal requests under this Agreement.

B.1.3 In the event of Endl's insolvency, bankruptcy, receivership, liquidation, or dissolution, your claim under this Agreement constitutes an unsecured claim against Endl's general estate, ranking pari passu with the claims of Endl's other general unsecured creditors. You acknowledge that Digital Assets deposited with Endl are not held on trust, in bailment, or otherwise segregated as customer property, and do not receive priority treatment in any insolvency proceeding. Any operational separation of wallets or accounts by Endl is for administrative convenience only and does not alter the legal position described in this Section.

B.2 Limitation of Liability; No Claims for Loss of Digital Assets

B.2.1 Except as set out in Section B.2.3, Endl has no liability to you, and you irrevocably waive, release, and forever discharge Endl and its affiliates, officers, directors, employees, and agents from, any and all claims, losses, damages, liabilities, costs, or expenses of any kind arising out of or relating to any loss, theft, destruction, unauthorised transfer, or diminution in value of Digital Assets held under this Agreement, however caused, including without limitation:

(a) any failure, error, outage, vulnerability, or breach in Endl's or any third party's software, hardware, network, or infrastructure;

(b) any cyberattack, hack, malware, phishing, social engineering, exploit, or other unauthorised access to any system, wallet, private key, or credential;

(c) any act, omission, insolvency, negligence, fraud, or operational failure of any Partner, vendor, Custodian, wallet infrastructure provider, banking partner, payment rail, or other third-party service provider engaged by Endl, including the Partner that introduced you;

(d) any force majeure event described under Additional Provisions; or

(e) any error, delay, congestion, fork, or failure of any blockchain network, smart contract, or distributed ledger technology underlying the Digital Assets.

B.2.2 The foregoing waiver and release applies regardless of the form of action, whether in contract, tort (including negligence), strict liability, statute, or otherwise.

B.2.3 Nothing in this Section B.2 excludes or limits Endl's liability for loss of Digital Assets to the extent that loss is finally determined by a court, tribunal, or other competent authority to have resulted directly from Endl's own fraud or wilful misconduct.

B.3 No Yield

B.3.1 Endl does not offer, and you have no right or entitlement to, any interest, yield, staking rewards, or other return on Digital Assets held in your Account.

B.4 Relationship with the Partner

B.4.1 You may also be bound by separate terms with the Partner that introduced you, governing the branded application or service through which you access the Services. This Agreement governs your relationship with Endl as it relates to the custody and handling of your Digital Assets, and applies in addition to, not in place of, any such separate terms. The Partner does not hold, control or custody your Digital Assets or funds, which are held by Endl or, where applicable, its Custodian.

B.5 Redemption and Exit

B.5.1 Ordinary withdrawals and payments from your Account are processed in accordance with the Services, subject to cut-off times, holds, freezes, compliance requirements, set-off for amounts you owe Endl, applicable fees, and any legal process.

B.5.2 If your Account is closed or your access is terminated, Endl will complete in-flight transactions and, within thirty (30) days after closure or termination, redeem the remaining balance of Digital Assets by delivering an equivalent amount and type of Digital Assets to a destination you designate and Endl has verified, and will facilitate the withdrawal of any Fiat Currency balance from the bank that issues your account in accordance with that bank's terms. Endl may extend this period by notice where necessary, including for compliance review, holds or freezes, legal process, reconciliation, or delay by a Custodian or other third party.

B.5.3 Redemption is subject in all cases to Sections B.2 and B.6.

B.6 Custodians, Security Incidents and Third-Party Failures

B.6.1 Where your Digital Assets or funds are held by a Custodian, the Custodian is solely responsible for their safekeeping and return. From the time of deposit, your sole recourse for any loss of, delay in returning, freezing of, or failure to return those Digital Assets or funds is against the Custodian, and Endl has no liability to you for them. If Endl engages a Custodian, Endl will add the Custodian's terms to the list under Third-Party Provider Terms, and they apply to you from the date stated in the notice given under Changes to this Agreement.

B.6.2 If Digital Assets or funds affected by a hack, insolvency, suspension, freeze, delay or failure of a Custodian are not returned within ninety (90) days after Endl's written request to the Custodian, or if Endl notifies you earlier that they are lost, they are deemed lost. On a deemed loss, Endl assigns to you, to the extent assignable, its rights and claims against the Custodian in respect of those Digital Assets or funds, your claims against Endl in respect of them end, and Endl has no obligation to pay or deliver any amount for them. You acknowledge that you hold no proprietary claim to those Digital Assets or funds and rank as an unsecured creditor.

B.6.3 Endl has no liability to you for any loss arising from a cyberattack, hack, malware, phishing, social engineering, exploit, compromise of keys or credentials, or other unauthorised access, or from the act, omission, insolvency, suspension, delay, error or failure of any bank, Custodian, wallet infrastructure provider, other service provider, the Partner, blockchain network, smart contract or stablecoin issuer. Your claim for return of your balance under Section B.1 is reduced to the extent of any such loss, and you rank as an unsecured creditor for any remaining claim.

B.6.4 Endl's only obligation in connection with these events is to provide limited cooperation where instructed in writing by a regulator, court or other competent authority. Endl has no obligation to bring, fund or pursue any claim or recovery.

B.6.5 Nothing in this Section B.6 limits Section B.2.3.

B.7 Fiat Currency

B.7.1 Fiat Currency held in connection with the Services is held by the bank or financial institution that issues the relevant account, under that institution's terms, and not by Endl or a Custodian. Endl does not take title to Fiat Currency, and Sections B.1 and B.6 do not apply to it.

B.7.2 Endl has no liability to you for any act, omission, insolvency, suspension, freeze, delay or failure of any such bank or institution. Any claim you may have in respect of Fiat Currency lies against that bank or institution under its terms, subject to Section B.2.3.

B.8 No Insurance or Guarantee

B.8.1 Digital Assets, and the wallets and blockchain networks used to process transactions, are not insured, guaranteed or protected by the Federal Deposit Insurance Corporation, the Canada Deposit Insurance Corporation, any other deposit insurance, investor protection or compensation scheme, any government or governmental agency, Endl, any Custodian or any bank. Any deposit insurance that applies to Fiat Currency held by a bank applies only as that bank's terms and applicable law provide.

Part C: Partner-Controlled Wallet Terms

Applies if you were introduced to the Services by a Partner and your wallet is controlled by the Partner or by another person, and not by Endl or its custodian. This is disclosed to you during onboarding, before you accept this Agreement.

C.1 No custody by Endl

C.1.1 Digital Assets held in your wallet are not held, controlled or secured by Endl or any Custodian. Endl does not take title to them, does not hold your keys or credentials, and is not your custodian, trustee, bailee or agent in respect of them.

C.2 Your recourse

C.2.1 Your rights and remedies concerning the safekeeping, access, recovery, loss or theft of the Digital Assets in your wallet lie solely against the person that holds or controls them, under its terms, and not against Endl.

C.3 Release

C.3.1 Endl has no liability to you, and you irrevocably waive and release Endl and its affiliates from all claims, for any loss, theft, destruction, inaccessibility, unauthorised transfer or diminution in value of Digital Assets in your wallet, however caused, including any security incident, compromise of credentials, loss of access, or the act, omission, insolvency or failure of the Partner or of any wallet provider, custodian or network. Section B.2.3 applies to this Section.

C.4 Transit through Endl

C.4.1 Title to Digital Assets received by Endl or its Custodian in connection with the Services passes to Endl on receipt, and Sections B.1, B.2, B.3, B.6 and B.7 apply to them, and to Fiat Currency, while they are with Endl and until they are delivered to your wallet or account.

C.5 Acknowledgement

C.5.1 You acknowledge that, before your account was opened, you were informed that your Digital Assets are not held, controlled or secured by Endl or its Custodian, and who holds or controls them, and that you rely on that person and not on Endl.

C.6 Addresses

C.6.1 You are responsible for the accuracy of every wallet address you provide. Endl may rely on it.

C.7 No Insurance or Guarantee

C.7.1 Digital Assets, and the wallets and blockchain networks used to process transactions, are not insured, guaranteed or protected by the Federal Deposit Insurance Corporation, the Canada Deposit Insurance Corporation, any other deposit insurance, investor protection or compensation scheme, any government or governmental agency, Endl, the Partner, any wallet provider or custodian or any bank. Any deposit insurance that applies to Fiat Currency held by a bank applies only as that bank's terms and applicable law provide.

Risk Disclosures

The following are some examples of risk which the Users are agreeing to bear themselves. Endl is not responsible for these, or any other risks related to the information on, investment, or transfer of virtual assets.

General Risks

• Virtual Assets (VAs), including cryptocurrencies, are digital representations of value that are not backed by any government or central bank. They are speculative investments involving a high degree of risk.
• The value of VAs is derived from market demand and supply, making them highly volatile. Prices can fluctuate significantly over short periods, potentially resulting in substantial losses.
• VAs do not have legal tender status and may not be accepted as a means of payment.
• There is a risk of permanent and total loss of value if the market for a particular VA disappears.
• VAs, and the wallets used to hold them, are not insured or guaranteed by any government, deposit insurance scheme or by Endl.

Regulatory Risks

• The regulatory environment for VAs is continuously evolving. Changes in laws or regulations at local, state, federal, or international levels may adversely affect the use, transfer, exchange, or value of VAs. Endl is not responsible for any regulations, restrictions, or holds, which are enforced by law.
• The User is responsible for complying with all local laws and regulations in the User’s place of residence. Our Services are not offered to users in jurisdictions where such use is prohibited (Prohibited Activities Policy).
• VA markets and exchanges may not have the same regulatory controls or customer protections as traditional financial markets. Endl is not a regulatory entity and is not responsible for regulating VA markets.

Operational Risks

• There is no assurance that using our Services will result in profits or meet the User’s investment objectives. The User may lose some or all of the User’s capital.
• VAs can be complex and difficult to understand. Features and operations may require specialized knowledge. Endl is not responsible for educating the Users on VAs.
• Transactions in VAs may be irreversible once recorded on a public ledger.
• We strongly recommend conducting thorough research before investing in any VA.
• Endl suggests that User protect their private keys and seed phrases from unauthorized access. Endl suggests that User use secure storage solutions and maintain good cybersecurity practices.

Cyber Risks

• VAs may be susceptible to security breaches, cyber-attacks, or other technological difficulties, which could prevent access to your assets.
• The digital nature of VAs increases the risk of fraud, hacking, and cyber-attacks, which may result in the loss of your assets.
• Losses due to theft, fraudulent activities, or accidental transactions may not be recoverable.
• Malicious actors may attempt to interfere with the Platform through various means, including malware, denial of service attacks, or spoofing.
• Endl is not responsible for the recovery of lost, stolen, or otherwise no longer existing assets.

Arbitration and Class Action Waiver

Informal Process First

Before resorting to formal dispute resolution, you and Endl agree to attempt to resolve any dispute amicably or by means of mediation.

Arbitration Agreement

Any dispute relating to the Services will be resolved through binding arbitration. Both parties waive the right to participate in class action litigation. This does not preclude the right to Class Action Procedures for Arbitration, as specified below.

Any dispute, controversy, or claim arising out of or relating to this Agreement, including the formation, interpretation, breach or termination thereof, including whether the claims asserted are arbitrable, shall be referred to and determined by arbitration administered by JAMS in accordance with the JAMS International Arbitration Rules in effect as of the day of filing the claim, or as otherwise agreed upon by the parties. Claims shall be heard by a single arbitrator unless the claim amount exceeds $1,500,000.00, in which case the dispute shall be heard by a panel of three arbitrators. The arbitration shall be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. The place of arbitration shall be Dubai, U.A.E. The language of the arbitration shall be English. Within 14 days after the commencement of arbitration, each party shall select a person to serve as an arbitrator. In the case of a panel of three arbitrators, the parties shall then select the presiding arbitrator within 14 days after completion of the appointment of the party selections. If any arbitrators are not selected within these time periods, the parties agree to appoint the arbitral tribunal using a rank-and-strike list method. No arbitrator shall have the same nationality as any party to the arbitration. When selecting an arbitrator from neutrals, the parties agree that they will seek to appoint a fair representation of diverse arbitrators (considering gender, ethnicity and sexual orientation), and will request administering institutions to include a fair representation of diverse candidates on their rosters and list of potential arbitrator appointees. Except as may be required by law, neither a party nor an arbitrator may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of both parties.

Costs of Arbitration

Payment of arbitration costs will be governed by the JAMS International Arbitration Rules.

Class Action Procedures for Arbitration

If there are 100 or more similar claims filed against Endl within 30 days, the administering institutions may administer the claims in batches, with one arbitrator appointed per batch.

Severability

The parties agree that this arbitration agreement is independent and separable from the other terms of this Agreement. Any decision by the arbitrator or panel of arbitrators(s) or a court of competent jurisdiction that any part of this Agreement, other than this arbitration agreement, is void, voidable, or unenforceable shall not affect the validity or enforceability of this arbitration agreement.

Governing Law

The validity, interpretation, and performance of this Agreement shall be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without giving effect to the conflicts of laws provisions thereof.

Class Action Waiver

You and Endl agree to waive the right to bring class actions or consolidated claims.

Opt-Out Option

You may opt out of the arbitration provision within 30 days of agreeing to this Agreement by notifying Endl in writing. Written notice for purposes of opting out of the arbitration needs to be submitted to support@endl.app , with the subject line ARBITRATION WAIVER followed by your FIRST NAME and your LAST NAME. FAILURE TO INCLUDE THIS INFORMATION IN THE SUBJECT LINE WITHIN 30 DAYS OF AGREEING TO THIS AGREEMENT WAIVES YOUR RIGHT TO OPT OUT OF ARBITRATION.

Class Action Waiver

You and Endl agree to waive the right to bring class actions or consolidated claims before any court of law and any other forum, except as specified in the Class Action Procedures for Arbitration section of this Agreement.

California Residents

If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs.

Attachments

Attachment A - Additional Terms – United States

Additional terms and conditions for users using the US Dollar accounts.

Services

General

In the United States, Endl is not licensed as a money transmitter in the U.S. states. The services are provided by a Financial Institution Partner who holds the money‑transmitter licenses.

Endl Services

Your Endl Account, including any Fiat Currency and Digital Assets held, is not insured by the FDIC or any other governmental agency.

Bank Services

In states where Endl is not licensed as a money transmitter, Fiat Currency may be held in an omnibus custodial account at a Financial Institution Partner. This account does not create a direct relationship between you and the Financial Institution Partner.

Fiat Currency Transactions

Fiat Currency can be transferred into your Endl Account through methods such as ACH or wire transfer. The funds will be available once settled, subject to possible delays.

Digital Asset Transactions

You may transfer or receive supported Digital Assets into your Digital Asset Account. Endl may use shared blockchain addresses in connection with the Services.

Transfers

You can transfer Fiat Currency or Digital Assets to another account, including non‑Endl accounts, subject to verification and compliance with the terms of this Agreement.

Wire Deposits and Withdrawals

Wire transfers are subject to cut‑off times, bank holidays, and security procedures. You are responsible for ensuring the accuracy of wire transfer details.

ACH Entries

ACH transactions may also be subject to cut‑off times, bank holidays, and security procedures. You must comply with NACHA Rules for ACH services.

Exchange Rates; Transaction Fees

Endl will determine the exchange rates for supported Fiat Currencies and Digital Assets. Transaction fees may also apply.

Instructions

Your Endl Account is directed by you, and Endl will act on your instructions. Once an instruction is submitted, it may not be reversible.

Arbitration and Class Action Waiver (US)

Arbitration Agreement

Any dispute related to the Services will be resolved through binding arbitration administered by the International Centre for Dispute Resolution in accordance with its International Arbitration Rules, in effect at the point of filing the claim, or if otherwise agreed to by the parties. Arbitration will take place on an individual basis-class arbitrations and class actions are not permitted. The place of arbitration shall be Dubai, U.A.E., and the language of the arbitration shall be English.

Exceptions

Unless otherwise agreed to in writing by the parties, there are no exceptions to the Arbitration Agreement.

Costs of Arbitration

Payment of arbitration costs will be governed by the International Rules.

Class Arbitration

If there are 100 or more similar claims filed against Endl within 30 days, the International Centre for Dispute Resolution may administer the claims in batches, with one arbitrator appointed per batch. However, the arbitrator shall decide on each case individually.

Waiver of Right to Bring Class Action and Representative Claims

You and Endl agree to waive the right to bring class actions or participate in class arbitrations.

Governing Law

This Agreement, including this US Addendum, shall be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without giving effect to the conflicts of laws provisions thereof.

California Residents

If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs.

Electronic Communications

By using the Services, you agree to receive electronic communications from Endl.

Paper Copies

You may request a paper copy of any Disclosure provided electronically.

Withdrawing Your Consent

You may withdraw your consent to receive electronic communications by notifying Endl. Withdrawal may impact your ability to use certain features of the Services.

Updating Your Contact Information

You must promptly notify Endl of any changes to your email or mailing address.

Required Hardware and Software

To access electronic Disclosures, you need a recent‑generation personal computer or mobile device, a web browser, a PDF reader, and a working email address.

Termination/Changes

Endl reserves the right to terminate or change electronic communication provisions at any time.

Consumer Rights and Transfers (US)

Consumer Rights

This section applies to you if you are a “consumer” as defined under Regulation E to the Electronic Fund Transfer Act.

Remittances

For remittance transfers, you have the right to cancel and obtain a refund within 30 minutes of payment.

Electronic Fund Transfers

This section applies to Electronic Fund Transfers via the Services.

Unauthorized Transfers

Notify Endl immediately if you believe your Endl Account credentials have been compromised. Your liability for unauthorized transfers may be limited to $50 if you notify Endl within 2 business days.

Errors

Report errors within 60 days of the statement showing the error. Endl will investigate and correct any errors promptly.

Attachment B - Additional and Alternative Terms – European Union

Additional terms and conditions for users using the Euro accounts.

Services

General

Endl’s services offered in the EU are offered through a partner who is a licensed virtual currency exchange operator in Lithuania. However, Endl is not licensed to provide payment services or issue electronic money under the EU Payment Services Directive or the EU Electronic Money Directive.

Bank Services

Fiat Currency will be held in an omnibus custodial account provided by third‑party financial institutions.

Disclaimers

Endl provides the Services on an “AS IS” and “AS AVAILABLE” basis, with no warranties of any kind.

Governing Law

This Agreement, including this Europe Addendum, shall be governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without giving effect to the conflicts of laws provisions thereof.

Additional Provisions

Updates; Monitoring

Endl may update or modify the Services from time to time. Your continued use of the Services is subject to such updates.

SMS Messaging and Phone Calls

Endl may contact you via phone or text messages, including for marketing purposes. You can opt‑out of receiving text messages at any time.

Termination of License and Your Account

Endl may terminate your account or license to use the Services if you breach this Agreement.

Injunctive Relief

Endl may seek injunctive relief if you breach this Agreement, causing irreparable harm.

Unclaimed Property

Endl may report any unclaimed Fiat Currency or Digital Assets in your Endl Account to the applicable governmental entity as unclaimed property.

Export Laws

You agree to comply with all applicable export laws and regulations when using the Services.

Force Majeure

Endl is not liable for any failure or delay in fulfilling obligations due to events beyond its control, such as natural disasters, war, or labor strikes.

Miscellaneous

If any provision of this Agreement is found to be unlawful or unenforceable, it will be severed, and the remaining provisions will continue in effect. The section headings are for reference only and have no legal effect.

How to Contact Us

You may contact Endl regarding the Services or this Agreement at:

Zayment Finance Ltd., 300-1095 McKenzie Avenue, Victoria, British Columbia, V8P 2L5, Canada

Support: support@endl.app