Fin Terms of Service
These Terms of Service ("Terms") constitute a binding agreement between you ("User," "you," or "your") and TipLink Corp. (”Fin”, "Company," "we," "us," or "our"). These Terms govern your access to and use of the Fin platform, including the Fin website located at https://fin.tech (the “Site”, our mobile application (the “App”), and the services we provide or facilitate access to via our Site and App (collectively, the Site, App, and services are references as “Services”).
By using Fin, you acknowledge that you have read, understood, and agree to be bound by these Terms. By applying for any Service provided by our service provider(s), you signify that you have read, understood, and agree to be bound by the applicable agreements of the service provider(s) for your Account.
1. Acceptance of These Terms
By accessing or using any products, mobile or web applications, APIs, or services (collectively, the “Services”) offered by Fin (“Fin,” “we,” “our,” or “us”), you (“you,” “your,” or the “User”) acknowledge that you have read, understood, and agree to be bound by these Terms of Service (“Terms”), our [Privacy Policy], and any additional policies referenced herein. If you do not agree, you must not use the Services.
2. Key Definitions
| USDC | The U.S. dollar–denominated stablecoin issued by Circle Internet Financial, LLC or its affiliates. |
| Digital Assets | Cryptographic tokens, coins, or digital currencies that may be transferred, stored, or traded via distributed‑ledger technology. |
| Non‑custodial Wallet | A software wallet in which you hold and control the private keys; Fin never has possession of nor access to your private keys. |
| On‑Ramp | Conversion of government‑issued currency ("FIAT") into USDC through a third‑party payment processor or banking partner. |
| Off‑Ramp | Redemption of USDC for FIAT transferred to your nominated bank or payment account. |
3. Eligibility
You must (a) be at least 18 years old and able to form a legally binding contract, (b) use the Services solely on behalf of a business entity duly organized and in good standing in its jurisdiction, and (c) not be located in, a citizen or resident of, or incorporated in any jurisdiction subject to embargoes, sanctions, or other restrictions imposed by the United States or applicable laws.
4. Account Registration & Security
- Business Account. When creating a business account, you must complete all onboarding requirements, including Know-Your-Business, (”KYB”), including Know‑Your‑Customer (“KYC”), and Anti‑Money‑Laundering (“AML”) procedures.
- Safe‑Keeping. Because Fin is non‑custodial, you alone are responsible for securely generating, storing, and backing up your private keys, seed phrases, and any credentials required to access the wallet. Fin cannot recover lost keys and will not be liable for any resulting loss.
- Authorization. Any action taken using your private keys or API credentials is conclusively deemed authorized by you.
5. The Services
5.1 Non‑Custodial Wallet
Fin provides software that enables you to (i) generate and manage blockchain addresses, (ii) sign transactions, and (iii) view balances and transaction history. Fin never takes possession of Digital Assets or private keys.
5.2 Virtual Accounts
Fin uses integrated third party providers to generate a virtual account that provides banking details to convert FIAT into stablecoins.
5.3 On‑Ramp
You may convert FIAT to USDC using integrated third‑party processors. All FIAT funding instructions, deposit methods, and settlement timelines are provided by such processors and are subject to their separate terms. Fin is not in the flow of funds and cannot unilaterally move your funds.
5.3 Stablecoin Transfers
The wallet allows you to send USDC (and any other Digital Assets we expressly support) to compatible blockchain addresses. You are solely responsible for ensuring the accuracy of destination addresses and network selection.
5.4 Off‑Ramp
You may redeem USDC for FIAT through supported banking rails. Fin will submit redemption instructions to the issuer or its liquidity partners, but settlement times are estimates only and may be delayed by network congestion, compliance reviews, or banking cut‑off times.
6. Fees
Fin’s current fees are posted in‑app and may include (i) on‑ramp or off‑ramp fees, (ii) network or gas fees, and (iii) Fin service fees. We may change fees at any time with reasonable prior notice.
7. User Obligations
You agree to:
- use the Services only for lawful business purposes;
- maintain accurate and up‑to‑date account information;
- promptly cooperate with any compliance or fraud‑prevention inquiries; and
- bear all taxes, duties, and reporting obligations arising from your use of Digital Assets.
8. Prohibited Activities
You may not use the Services to:
- Violate any law, regulation, or third‑party right.
- Facilitate money laundering, terrorist financing, or other illicit financial activity.
- Engage in market manipulation, wash trading, or deceptive trading practices.
- Interfere with, disrupt, or negatively affect other Users or the blockchain networks.
- Attempt unauthorized access to Fin systems or data.
9. Compliance & AML
Fin complies with U.S. federal laws and applicable state regulations. We may require additional identity verification, impose transaction limits, freeze or reject transactions, or suspend Services to comply with legal obligations or court orders.
10. Intellectual Property
All Fin logos, trademarks, graphics, and site content are owned by Fin or its licensors and are protected by intellectual‑property laws. Use of the Services grants no license to any Fin IP except as necessary to use the Services under these Terms.
11. Third‑Party Services & Content
Fin may integrate or reference third‑party services (e.g., banking API providers, blockchain oracles). Fin does not control and is not responsible for any third‑party content, accuracy, or policies.
12. Risk Disclosures
- Digital Assets involve significant risks, including price volatility, potential loss of peg for stablecoins, regulatory changes, and technological failures.
- Transactions are generally irreversible. Mistaken transfers may be permanently lost.
- Digital Assets held in a non‑custodial wallet are not covered by the Federal Deposit Insurance Corporation (FDIC) or any deposit‑insurance scheme.
- Tax treatment of Digital Assets may vary by jurisdiction; consult your tax advisor. You acknowledge and accept all such risks.
13. Suspension & Termination
Fin may suspend or terminate your access to the Services immediately if we reasonably believe you (i) breached these Terms, (ii) engage in prohibited activity, or (iii) pose undue risk. You may terminate at any time by ceasing use of the Services; however, Sections 10–18 survive termination.
14. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” FIN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT. FIN DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR‑FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIN, ITS AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR (A) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR (B) ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THE SERVICES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FIN’S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF (i) USD 1,000 OR (ii) THE TOTAL FEES PAID BY YOU TO FIN IN THE SIX MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
16. Indemnification
You agree to defend, indemnify, and hold harmless Fin and its affiliates from and against all claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your violation of these Terms, (b) your misuse of the Services, or (c) any third‑party claims relating to your Digital Assets or transactions.
17. Modifications to Terms
Fin may amend these Terms at any time. We will post the revised Terms and update the “Effective Date.” Continued use of the Services after changes become effective constitutes your acceptance of the revised Terms.
18. Governing Law & Dispute Resolution
This agreement and any action related thereto will be governed and interpreted by and under the laws of the State of Delaware, consistent with the Federal Arbitration Act, without giving effect to any principles that provide for the application of the law of another jurisdiction. The United Nations Convention on Contracts for the International Sale of Goods does not apply to the agreement.
19. Severability
If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be replaced with a valid, enforceable provision that most closely reflects the original intent.
20. Assignment
Fin may assign or transfer these Terms without restriction. You may not assign your rights or obligations without our prior written consent.
21. Entire Agreement
These Terms, together with any supplemental agreements or policies referenced herein, constitute the entire agreement between you and Fin regarding the Services and supersede all prior or contemporaneous understandings.
22. Contact Us
Tiplink Corp
Email: [email protected]
By using the Services, you acknowledge that you have read, understood, and agreed to these Terms of Service.
