Terms & Conditions

5.1. General. The Digital Currency Exchange Service enables you to buy Digital Currency using Central bank issued currency (such as EUR) supported by Frontnode. Conversely, when you sell Digital Currency you may select to receive Central bank issued currency (such as EUR) supported by Frontnode.

5.2. Transactions. You may purchase supported Digital Currency by using VISA/Mastercard. Although we will attempt to deliver Digital Currency to you as promptly as possible, funds may be debited from your VISA/Mastercard card before Digital Currency is delivered to your Digital Currency Wallet.

You may sell Digital Currency in exchange for funds. You authorise us to credit your VISA/Mastercard card or corresponding Bank Account with the relevant amount of funds.

5.3. Transaction Fulfilment. We will make best efforts to fulfil all purchases of Digital Currency, but in some circumstance we may be unable to. If this is the case, we will notify you and seek your approval to re-attempt the purchase at the current Exchange Rate (as defined below).

5.4. Availability of Payment Methods. The availability of a method of payment depends on a number of factors including, for example, where you are located, the identification information you have provided to us, and limitations imposed by third party payment processors.

5.5. Conversion Fees. Each purchase or sale of Digital Currency is subject to a fee (a “Conversion Fee”). The applicable Conversion Fee will be displayed to you on the Frontnode Site prior to each transaction and is stated in each receipt we issue to you. We may adjust our Conversion Fees at any time. We will not process a transaction if the Conversion Fee and any other associated fees would, together, exceed the value of your transaction. A full list of Frontnode’s fees can be found on our Pricing and Fees Disclosures page.

5.6. Exchange Rates. Each purchase or sale of Digital Currency is also subject to the Frontnode “Exchange Rate” for the given transaction. The “Exchange Rate” means the price of a given supported Digital Currency in central bank issued currency as quoted on the Frontnode Website. The Exchange Rate is stated either as a “Buy Price” or as a “Sell Price”, which is the price at which you may buy or sell Digital Currency, respectively. You acknowledge that the Buy Price Exchange Rate may not be the same as the Sell Price Exchange Rate at any given time, and that we may add a margin or “spread” to the quoted Exchange Rate. You agree to accept the Exchange Rate when you authorise a transaction. You can learn more about Frontnode’s Exchange Rates on our Pricing and Fees Disclosures page.

We do not guarantee the availability of any Exchange Rate. We do not guarantee that you will be able to buy and / or sell your Digital Currency on the open market at any particular price or time.

5.7. Authorisations, Reversals, Cancellations. By clicking the “Buy” or “Sell” button on the Frontnode Site, you are authorising Frontnode to initiate the transaction at the quoted Buy Price or Sell Price and agree to any associated Conversion and Exchange Fees. You cannot cancel, reverse, or change any transaction marked as complete or pending. If your payment is not successful or if your payment method has insufficient funds, you authorise us, in our sole discretion, either to cancel the transaction or to debit your other payment methods, including balances on your Wallet and/or Digital Currency Wallets, in any amount necessary to complete the transaction. You are responsible for maintaining an adequate balance and/or sufficient credit limits in order to avoid overdraft, insufficient funds, or similar fees charged by your payment provider.

6. Transaction Limits and Enhanced Due Diligence

6.1. Transactions Limits. The use of all Frontnode Services is subject to a limit on the amount of volume you may transact or transfer in a given period (e.g., daily).

6.2 Enhanced Due Diligence. We may require you to submit additional information about yourself or your business, provide records, and arrange for meetings with Frontnode staff (such process, “Enhanced Due Diligence”). This may include requesting a scanned copy of your debit or credit card, or passport, as applicable. We will make this request when you have purchased more than 5.000 EUR per day, or 50.000 EUR per month. We reserve the right to charge you costs and fees associated with such Enhanced Due Diligence although if we intend to do so, we will notify you in advance. In our discretion, we may refuse to raise your limits or we may lower your limits at a subsequent time even if you have completed Enhanced Due Diligence.

7. Suspension, Termination and Cancellation

7.1 Suspension, Termination, and Cancellation. We may: (a) refuse to complete or block, cancel or reverse a transaction you have authorised (b) suspend, restrict, or terminate your access to any or all of the Frontnode Services, and/or (c) deactivate or cancel your Frontnode Account with immediate effect for any reason, including but not limited to where:

• We are, in our reasonable opinion, required to do so by applicable law or any court or other authority to which we are subject in any jurisdiction;
• We reasonably suspect you of acting in breach of this Agreement;
• We reasonably suspect you have breached our Behaviour Policy or our Policy on Prohibited Use, Prohibited Businesses and Conditional Use;
• We have concerns that a transaction is erroneous or about the security of your Frontnode Account or we suspect the Frontnode Services are being used in a fraudulent or unauthorised manner;
• We suspect money laundering, terrorist financing, fraud, or any other financial crime;
• If your credit or debit card or any other valid payment method linked to your Digital Currency Wallet is declined;
• Use of your Frontnode Account is subject to any pending litigation, investigation, or government proceeding and/or we perceive a heightened risk of legal or regulatory non-compliance associated with your Account activity; and / or
• You take any action that may circumvent our controls such as opening multiple Frontnode Accounts or abusing promotions which we may offer from time to time.

We may also refuse to complete a transaction you have authorised where there is insufficient funds to cover the transaction and (where applicable) associated fees at the time that we receive notification of the transaction.

If we refuse to complete a transaction and / or suspend or close your Frontnode Account, or terminate your use of Frontnode Services in this way, we will (unless it would be unlawful for us to do so) provide you with notice of our actions and the reasons for refusal, suspension or closure and where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or closure. In the event that we refuse to complete a transaction and / or suspend your Frontnode Account we will lift the suspension as soon as reasonably practicable once the reasons for refusal and / or suspension no longer exist. However, we are under no obligation to allow you to reinstate a transaction at the same price or on the same terms as the suspended, reversed or cancelled transaction.

We may suspend, restrict, or terminate your access to any or all of the Frontnode Services and/or deactivate or cancel your Frontnode Account, without reason by giving you two months notice. You acknowledge that our decision to take certain actions, including limiting access to, suspending, or closing your Frontnode Account, may be based on confidential criteria that are essential to our risk management and security protocols. You agree that we are under no obligation to disclose the details of its risk management and security procedures to you.

On termination of this Agreement, unless prohibited by applicable law or by any court or other order to which Frontnode is subject in any jurisdiction, you may:

• Sell or transfer Digital Currency and/or your Digital Currency Wallet(s) for ninety (90) days thereafter.

If we suspend or close your account, or terminate your use of Frontnode Services for any reason, we reserve the right to require you to complete the procedures outlined at Section 2.2. (“Identity Verification”) before permitting you with transfer or withdraw Digital Currency.

You may cancel your Frontnode Account at any time by withdrawing all balances and our Cancellation page. You will not be charged for cancelling your Frontnode Account, although you will be required to pay any outstanding amounts owed to us. You authorise us to cancel or suspend any pending transactions at the time of cancellation.

8. Liability

8.1. Release of Frontnode. If you have a dispute with one or more users of the Frontnode Services, you agree that neither we nor our affiliates or service providers, nor any of our respective officers, directors, agents, joint venturers, employees and representatives will be liable for any claims, demands and damages (actual and consequential) of any kind or nature arising out of or in any way connected with such disputes.

8.2. Indemnification. You agree to indemnify us, our affiliates and service providers, and each of our or their respective officers, directors, agents, employees and representatives, in respect of any costs (including attorneys’ fees and any fines, fees or penalties imposed by any regulatory authority) that have been reasonably incurred in connection with any claims, demands or damages arising out of or related to your breach and / or our enforcement of this Agreement (including without limitation your breach of our Behaviour Policy or our Policy on Prohibited Use, Prohibited Businesses and Conditional Use) or your violation of any law, rule or regulation, or the rights of any third party.

8.3. Limitations of Liability. We shall only be liable to you for loss or damage caused directly and reasonably foreseeable by our breach of this Agreement and our liability in these circumstances is limited as set out in the remainder of this section.

(For the avoidance of doubt the term “loss” includes a partial loss or reduction in value as well as a complete or total loss.)

8.3. A. Liability cap. Except as otherwise provided for in this Agreement, neither we, nor our affiliates or service providers, nor any of our or their respective officers, directors, agents, employees or representatives, will be liable for any amount greater than the combined value of the Digital Currency in your Wallet and your Digital Currency Wallet at any given time. Where we are considering a specific claim relating to a specific transaction this sum shall be further limited to the amount of the transaction in dispute.

8.3. B. Limitation of loss. In addition to the liability cap at Section 8.3.A. (“Liability Cap”) above, in no event shall we, our affiliates or service providers, or any of our or their respective officers, directors, agents, employees or representatives, be liable for any of the following types of loss or damage arising under or in connection with this Agreement or otherwise:

• any loss of profits or loss of expected revenue or gains, including any loss of anticipated trading profits and / or any actual or hypothetical trading losses, even if we are advised of or knew or should have known of the possibility of the same. This means, by way of example only (and without limiting the scope of the preceding sentence), that if you claim that we failed to process a buy or sell transaction properly, your damages are limited to no more than the combined value of the supported Digital Currency at issue in the transaction, and that you may not recover for any “loss”of anticipated trading profits or for any actual trading losses made as a result of the failure to buy or sell.
• any loss of or damage to reputation or goodwill; any loss of business or opportunity, customers or contracts; any loss or waste of overheads, management or other staff time; or any other loss of revenue or actual or anticipated savings, even if we are advised of or knew or should have known of the possibility of the same;
• any loss of use of hardware, software or data and / or any corruption of data; including but not limited to any losses or damages arising out of or relating to any inaccuracy, defect or omission of digital currency price data; any error or delay in the transmission of such data; and / or any interruption in any such data;
• any loss or damage whatsoever which does not stem directly from our breach of this Agreement; and / or
• any loss or damage whatsoever which is in excess of that which was caused as a direct result of our breach of this Agreement (whether or not you are able to prove such loss or damage).

8.3. C. Applicable law. The limitation of liability in this Section 8.3 is subject to any obligations that we have under applicable law and regulation, including our obligation to exercise reasonable care and skill in our provision of the Frontnode Services. Nothing in this Agreement shall limit our liability resulting from our fraud or fraudulent misrepresentation, gross negligence, deliberate misconduct, for death or personal injury resulting from either our or our subcontractor’s negligence.

8.4. No Warranties. The Frontnode services are provided on an “as is” and “as available” basis without any representation or warranty, whether express or implied, to the maximum extent permitted by applicable law: specifically we disclaim any implied warranties of title, merchantability, fitness for a particular purpose and/or non-infringement. We do not make any representations or warranties that access to the Frontnode Site, any of the Frontnode Services, or any of the materials contained therein, will be continuous, uninterrupted, timely, or error-free.

We make no representations about the accuracy or completeness of historical Digital Currency price data available on the Frontnode Site. We will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and cheque issuances are processed in a timely manner but we make no representations or warranties regarding the amount of time needed to complete processing which is dependent upon many factors outside of our control.

8.5. Safety and Security of Your Computer and Devices. Frontnode is not liable for any damage or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms or other malware that may affect your computer or other equipment, or any phishing, spoofing or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from us. Frontnode customer support will never ask to screen share or otherwise seek to access your computer or account; similarly, we will not ask for your two factor authentication codes. Always log into your Frontnode Account through the Frontnode Site to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.

8.6. No Liability for Breach. We are not liable for any breach of the Agreement where the breach is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all effects to the contrary, nor are we liable where the breach is due to the application of mandatory legal rules.

9. Customer Feedback, Queries, Complaints and Dispute Resolution

9.1. Contact Frontnode. If you have any feedback, questions, or complaints, contact us via our Customer Support webpage or write to us at Frontnode Customer Support.

When you contact us please provide us with your name, address, and any other information we may need to identify you, your Frontnode Account, and the transaction on which you have feedback, questions, or complaints.

Our business hours are 24/7, but manned support hours are 09-16 on weekdays.

9.2. Complaints. In the event of a complaint, please set out the cause of your complaint, how you would like us to resolve the complaint and any other information you believe to be relevant. We will acknowledge receipt of your complaint if you contact us via our Customer Support webpage. A Customer Complaints officer (“Officer”) will consider your complaint. The Officer will consider your complaint without prejudice based on the information you have provided and any information provided by Frontnode. Within 15 business days of our receipt of your complaint the Officer will address all points raised in your complaint by sending you an e-mail (“Resolution Notice”) in which the Officer will: (i) offer to resolve your complaint in the way your requested; (ii) make a determination rejecting your complaint and set out the reasons for the rejection; or (iii) offer to resolve your complaint with an alternative solution. In exceptional circumstances, if the Officer is unable to respond to your complaint within 15 business days for reasons beyond Frontnode’s control, the Officer will send you a holding reply indicating the reasons for a delay in answering your complaint and specifying the deadline by which the Officer will respond to your complaint (which will be no later than 35 business days from our receipt of your complaint.

9.3. Offers. Any offer of resolution made to you will only become binding on us if accepted by you. An offer of resolution will not constitute any admission by us of any wrongdoing or liability regarding the subject matter of the complaint.

10. Data Protection

10.1. Personal Data. You acknowledge that we may process personal data in relation to you (if you are an individual), and personal data that you have provided or in the future provide to us in relation to your employees and other associated or other individuals, in connection with this Agreement, or the Frontnode Services. Accordingly, you represent and warrant that:

• your disclosure to us of any personal data relating to individuals other than yourself was or will be made in accordance with all applicable data protection and data privacy laws, and those data are accurate, up to date and relevant when disclosed;
• before providing any such personal data to us, you have read and understood our Privacy Policy, and, in the case of personal data relating to an individual other than yourself, have (or will at the time of disclosure have) provided a copy of that Privacy Policy (as amended from time to time), to that individual; and
• if from time to time we provide you with a replacement version of the Privacy Policy, you will promptly read that notice and provide a copy to any individual whose personal data you have provided to us.

11. General Terms and Conditions

11.1. Limited License. We grant you a limited, non-exclusive, non-transferable license, subject to the terms of this Agreement, to access and use the Frontnode Site, and related content, materials, information (collectively, the “Content”) solely for approved purposes as permitted by us from time to time. Any other use of the Frontnode Site or Content is expressly prohibited and all other right, title, and interest in the Frontnode Site or Content is exclusively the property of Frontnode and its licensors. You agree not to copy, transmit, distribute, sell, license, reverse engineer, modify, publish, or participate in the transfer or sale of, create derivative works from, or in any other way exploit any of the Content, in whole or in part. All logos related to the Frontnode Services or displayed on the Frontnode Site are trademarks or registered marks of Frontnode or its licensors. You may not copy, imitate or use them without our prior written consent.

11.2. Website Accuracy. Although we intend to provide accurate and timely information on the Frontnode Site, the Frontnode Site (including, without limitation, the Content) may not always be entirely accurate, complete or current and may also include technical inaccuracies or typographical errors. In an effort to continue to provide you with as complete and accurate information as possible, information may, to the extent permitted by applicable law, be changed or updated from time to time without notice, including without limitation information regarding our policies, products and services. Accordingly, you should verify all information before relying on it, and all decisions based on information contained on the Frontnode Site are your sole responsibility and we shall have no liability for such decisions. Links to third-party materials (including without limitation websites) may be provided as a convenience but are not controlled by us. You acknowledge and agree that we are not responsible for any aspect of the information, content, or services contained in any third-party materials or on any third party sites accessible or linked to the Frontnode Site.

11.3. Third-Party Applications. In order to access Frontnode Services users are required to provide an email address and create a password. Frontnode offers second factor authentication via a user’s mobile device (Short Message Service, SMS, or a supported Time-based One Time Password, TOTP, application). A verified phone number is required to enable second factor authentication via SMS. Users are responsible for keeping electronic devices through which Frontnode Services is accessed safe and maintaining adequate security and control of any and all security details that are used to access the Frontnode Services. This includes taking all reasonable steps to avoid the loss, theft or misuse of said electronic devices and ensuring that said electronic devices are password protected. Any loss or compromise of personal electronic devices or security details may result in unauthorised access of a user’s Frontnode Account by third-parties and the loss or theft of any Digital Currency in your Wallet and the misuse of any associated accounts, including linked bank account(s) and credit/debit card(s). Users must keep security details safe at all times. For example, passwords and TOTP authentication seeds be safeguarded and not shared or made visible to others. Frontnode strongly recommends the use of password and second factor protected password managers to safeguard login credentials and Personal Identification Numbers, PINs, and/or biometric authentication features to safeguard second factor generating mobile devices.

11.4. Prohibited and Conditional Use. In connection with your use of the Frontnode Services, and your interactions with other users and third parties, you agree to comply with the Frontnode Policy on Prohibited Use, Prohibited Businesses and Conditional Use.

11.5. Export Controls & Sanctions. Your use of the Frontnode Services and the Frontnode Site is subject to international export controls and economic sanctions requirements. By sending, receiving, buying, selling, trading or storing Digital Currency through the Frontnode Site or Frontnode Services, you agree that you will comply with those requirements.

11.6. Amendments. We will notify of you any change to the Agreement relating to Frontnode Services by email at least two months in advance. In such circumstances, you will be deemed to have accepted the change if you do not notify us otherwise prior to the date the change takes effect and continue to use the Services. If you do not accept the change, the Agreement will terminate at the end of the two-month notice. You may also end the Agreement immediately and free of charge with effect at any time before the expiry of the two-month notice. We may make all other amendments to the Agreement by posting the revised Agreement on the Frontnode Site or by emailing it to you, indicating when the revised Agreement becomes effective. Although we will endeavour to provide you with advance notice where possible, where lawful we may indicate that the revised Agreement shall be effective immediately and if you do not agree with any such modification, you should close your Frontnode Account and cease using the Frontnode Services.

Copies of the most up-to-date version of the Agreement will be made available in the Frontnode Site at all times and will be provided to you by email on your request.

11.7. Relationship of the Parties. Nothing in this Agreement shall be deemed or is intended to be deemed, nor shall it cause, either you or Frontnode to be treated as the agent of the other.

11.8. Privacy of Others; Marketing. If you receive information about another user through the Frontnode Services, you must keep the information confidential and only use it in connection with the Frontnode Services. You may not disclose or distribute a user’s information to a third party or use the information except as reasonably necessary to effect a transaction and other functions reasonably incidental thereto such as support, reconciliation and accounting unless you receive the user’s express consent to do so. You may not send unsolicited email to a user through the Frontnode Services.

11.9. Password Security. In order to access Frontnode Services you will be required to create or be given security details, including a username and password. You are responsible for keeping the electronic device through which you access Frontnode Services safe and maintaining adequate security and control of any and all security details that you use to access the Frontnode Services. This includes taking all reasonable steps to avoid the loss, theft or misuse of such electronic device and ensuring that such electronic device is encrypted and password protected. Any loss or compromise of your electronic device or your security details may result in unauthorised access to your Frontnode Account by third-parties and the loss or theft of any Digital Currency held in your Frontnode Wallet and any associated accounts, including your linked bank account(s) and credit card(s). You must keep your security details safe at all times. For example, you should not write them down or otherwise make them visible to others.

11.10. Security Breach. If you suspect that your Frontnode Account or any of your security details have been compromised or if you become aware of any fraud or attempted fraud or any other security incident (including a cyber-security attack) affecting you and / or Frontnode (together a “Security Breach”), you must notify Frontnode Support as soon as possible and continue to provide accurate and up to date information throughout the duration of the Security Breach. You must take any steps that we reasonably require to reduce, manage or report any Security Breach. Failure to provide prompt notification of any Security Breach may be taken into account in our determination of the appropriate resolution of the matter.

11.11. Contact Information. You are responsible for keeping your email address and telephone number up to date in your Account Profile in order to receive any notices or alerts that we may send you (including notices or alerts of actual or suspected Security Breach).

11.12. Taxes. It is your responsibility to determine whether, and to what extent, any taxes apply to any transactions you conduct through the Frontnode Services, and to withhold, collect, report and remit the correct amounts of taxes to the appropriate tax authorities. Your transaction history is available through your Frontnode Account.

11.13. Unclaimed Property. If we hold Digital Currency, and we are unable to contact you and have no record of your use of the Frontnode Services for 3 years, applicable law may require us to report the Digital Currency as unclaimed property to the authorities in certain jurisdictions. We will try to locate you at the address shown in our records, but if we are unable to, we may be required to deliver any such Digital Currency to the authorities in certain jurisdictions as unclaimed property. We reserve the right to deduct a dormancy fee or other administrative charges limited upwards to 500 EUR from such unclaimed funds, as permitted by applicable law.

11.14. Entire Agreement. This Agreement (including documents incorporated by reference herein) comprise the entire agreement between you and Frontnode.

11.15. Interpretation. Section headings in this Agreement are for convenience only, and shall not govern the meaning or interpretation of any provision of this Agreement.

11.16. Transfer. This Agreement is personal to you and you cannot transfer or assign your rights, licenses, interests and/or obligations to anyone else. We may transfer or assign our rights licenses, interests and / or our obligations at any time, including as part of a merger, acquisition or other corporate reorganisation involving Frontnode, provided that this transfer or assignment does not materially impact the quality of the Frontnode Services you receive.

11.17. Invalidity. If any provision of this Agreement is determined to be invalid or unenforceable under any applicable law, this will not affect the validity of any other provision.

11.18. Enforcement of Our Rights. We may not always strictly enforce our rights under this Agreement. If we do this, it will be just a temporary measure and we may enforce our rights strictly again at any time.

11.19. Language. This Agreement and any information or notifications that you or we are to provide should be in English. Any translation of this Agreement or other documents is provided for your convenience only. In the event of any inconsistency, the English language version of this Agreement or other documents shall prevail.

11.20. Survival. All provisions of this Agreement which by their nature extend beyond the expiration or termination of this Agreement, including, without limitation, the sections relating to suspension or termination, Frontnode Account cancellation, debts owed to Frontnode, general use of the Frontnode Site, disputes with Frontnode, and general provisions, will continue to be binding and operate after the termination or expiration of this Agreement.

11.21. Governing Law and jurisdiction. The website is operated by Quickbyte Global/Frontnode, reg. no. 14674630. This Agreement will be governed by Estonian law and the jurisdiction of the Estonian courts.

Appendices

APPENDIX 1: PROHIBITED USE, PROHIBITED BUSINESSES AND CONDITIONAL USE

Prohibited Use

You may not use your Frontnode Account to engage in the following categories of activity (“Prohibited Uses”). The specific types of use listed below are representative, but not exhaustive. By opening a Frontnode Account, you confirm that you will not use your Account to do any of the following:

• Unlawful Activity: Activity which would violate, or assist in violation of, any law, statute, ordinance, or regulation, sanctions programs administered in the countries where Frontnode conducts business, or which would involve proceeds of any unlawful activity; publish, distribute or disseminate any unlawful material or information.
• Abusive Activity: Actions which impose an unreasonable or disproportionately large load on our infrastructure, or detrimentally interfere with, intercept, or expropriate any system, data, or information; transmit or upload any material to the Frontnode Website that contains viruses, trojan horses, worms, or any other harmful or deleterious programs; attempt to gain unauthorized access to the Frontnode Site, other Frontnode Accounts, computer systems or networks connected to the Frontnode Website, through password mining or any other means; use Frontnode Account information of another party to access or use the Frontnode Site, except in the case of specific Merchants and/or applications which are specifically authorized by a user to access such user’s Frontnode Account and information; or transfer your account access or rights to your account to a third party, unless by operation of law or with the express permission of Frontnode.
• Abuse Other Users: Interfere with another individual’s or entity’s access to or use of any Frontnode Services; defame, abuse, extort, harass, stalk, threaten or otherwise violate or infringe the legal rights (such as, but not limited to, rights of privacy, publicity and intellectual property) of others; incite, threaten, facilitate, promote, or encourage hate, racial intolerance, or violent acts against others; harvest or otherwise collect information from the Frontnode Site about others, including without limitation email addresses, without proper consent.
• Fraud: Activity which operates to defraud Frontnode, Frontnode users, or any other person; provide any false, inaccurate, or misleading information to Frontnode.

Prohibited Businesses

In addition to the Prohibited Uses described above, the following categories of businesses, business practices, and sale items are barred from Frontnode Services (“Prohibited Businesses”). Most Prohibited Businesses categories are imposed by Card Network rules or the requirements of our banking providers or processors. The specific types of use listed below are representative, but not exhaustive. If you are uncertain as to whether or not your use of Frontnode Services involves a Prohibited Business, or have questions about how these requirements apply to you, please contact through our Contact Page or Help Center.

By opening a Frontnode Account, you confirm that you will not use Frontnode Services in connection with any of following businesses, activities, practices, or item

• Unlicensed Investment and Credit Services: Securities brokers; mortgage consulting or debt reduction services; credit counseling or repair; real estate opportunities; investment schemes.
• Restricted Financial Services: Check cashing, bail bonds; collections agencies.
• Intellectual Property or Proprietary Rights Infringement: Sales, distribution, or access to counterfeit music, movies, software, or other licensed materials without the appropriate authorization from the rights holder.
• Counterfeit or Unauthorized Goods: Unauthorized sale or resale of brand name or designer products or services; sale of goods or services that are illegally imported or exported or which are stolen.
• Regulated Products and Services: Marijuana dispensaries and related businesses; sale of tobacco, e-cigarettes, and e-liquid; online prescription or pharmaceutical services; age restricted goods or services; weapons and munitions; gunpowder and other explosives; fireworks and related goods; toxic, flammable, and radioactive materials.
• Drugs and Drug Paraphernalia: Sale of narcotics, controlled substances, and any equipment designed for making or using drugs, such as bongs, vaporizers, and hookahs.
• Pseudo-Pharmaceuticals: Pharmaceuticals and other products that make health claims that have not been approved or verified by the applicable local and/or national regulatory body.
• Substances designed to mimic illegal drugs: Sale of a legal substance that provides the same effect as an illegal drug (e.g., salvia, kratom).
• Illegal Adult Content and Services: Pornography and other obscene materials (including literature, imagery and other media); sites offering any sexually-related services such as prostitution, escorts, pay-per view, adult live chat features.
• Illegal or Unlicensed Gambling and Gaming Services: sites offering any such gambling and/or gaming services. You must comply with applicable legislation in your home jurisdiction. For instance, Frontnode Services may not be used by users in Norway for payments to online casino and sports betting services.
• Multi-level Marketing: Pyramid schemes, network marketing, and referral marketing programs.
• Unfair, predatory or deceptive practices: Investment opportunities or other services that promise high rewards; Sale or resale of a service without added benefit to the buyer; resale of government offerings without authorization or added value; sites that we determine in our sole discretion to be unfair, deceptive, or predatory towards consumers.
• High risk businesses: any businesses that we believe poses elevated financial risk, legal liability, or violates card network or bank policies.

Conditional Use

Express written consent and approval from Frontnode must be obtained prior to using Frontnode Services for the following categories of business and/or use (“Conditional Uses”). Consent may be requested by contacting us at our Contact Page. Frontnode may also require you to agree to additional conditions, make supplemental representations and warranties, complete enhanced on-boarding procedures, and operate subject to restrictions if you use Frontnode Services in connection with any of following businesses, activities, or practices:

• Money Services: Money transmitters, Digital Currency transmitters; currency or Digital Currency exchanges or dealers; gift cards; prepaid cards; sale of in-game currency unless the merchant is the operator of the virtual world; act as a payment intermediary or aggregator or otherwise resell any of the Frontnode Services.
• Charities: Acceptance of donations for nonprofit enterprise.
• Religious/Spiritual Organizations: Operation of a for-profit religious or spiritual organization.

APPENDIX 2: VERIFICATION PROCEDURES AND LIMITS

Frontnode uses multi-level systems and procedures to collect and verify information about you in order to protect Frontnode and the community from fraudulent users, and to keep appropriate records of Frontnode’s customers. Your access to one or more Frontnode Services, and limits including daily or weekly Conversion limits, withdrawal and trading limits, Instant Buy limits, Currency Wallet transfer limits, and limits on transactions from a linked payment method may be based on the identifying information and/or proof of identity you provide to Frontnode.

Frontnode may require you to provide or verify additional information, or to wait some amount of time after completion of a transaction, before permitting you to use any Frontnode Services and/or before permitting you to engage in transactions beyond certain volume limits. You may determine the volume limits associated with your level of identity verification by visiting your Account page.

APPENDIX 3: E-SIGN DISCLOSURE AND CONSENT

This policy describes how Frontnode delivers communications to you electronically. We may amend this policy at any time by providing a revised version on our website. The revised version will be effective at the time we post it. We will provide you with prior notice of any material changes via our website.

Electronic Delivery of Communications

You agree and consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, “Communications”) that we provide in connection with your Frontnode Account and your use of Frontnode Services. Communications include:

• Terms of use and policies you agree to (e.g., the Frontnode Terms & Conditions and Privacy Policy), including updates to these agreements or policies;
• Account details, history, transaction receipts, confirmations, and any other Account or transaction information;
• Legal, regulatory, and tax disclosures or statements we may be required to make available to you; and
• Responses to claims or customer support inquiries filed in connection with your Account.

We will provide these Communications to you by posting them on the Frontnode website, emailing them to you at the primary email address listed in your Frontnode profile, communicating to you via instant chat, and/or through other electronic communication such as text message or mobile push notification.

Hardware and Software Requirements

In order to access and retain electronic Communications, you will need the following computer hardware and software:

• A device with an Internet connection
• A current web browser that includes 128-bit encryption
• Access to your digital ID solution
• A valid email address (your primary email address on file with Frontnode); and
• Sufficient storage space to save past Communications or an installed printer to print them.

How to Withdraw Your Consent

You may withdraw your consent to receive Communications electronically by contacting us through our Contact Page. If you fail to provide or if you withdraw your consent to receive Communications electronically, Frontnode reserves the right to immediately close your Account or charge you additional fees for paper copies.

Updating your Information

It is your responsibility to provide us with a true, accurate and complete e-mail address and your contact information, and to keep such information up to date. You understand and agree that if Frontnode sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Frontnode will be deemed to have provided the Communication to you.

You may update your information by logging into your account and visiting settings or by contacting our support team through our Contact page.