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CryptoBridge Terms of Service (Poland / EU)

Last revision: December 2025

These Terms of Service (“Terms”) govern access to and use of the CryptoBridge website, mobile applications, APIs, and related services (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not access or use the Services.

1. Who we are (Service Provider)

The Services are provided by CryptoBridge sp. z o.o., with registered office at Hoża 86 / 210, 00-682 Warszawa, Poland, registered under KRS 0001058371, NIP 7011164795, REGON 526399029 (“CryptoBridge”, “we”, “us”, “our”).

Contact: support@cryptobridge.pl
Privacy contact: privacy@cryptobridge.pl

2. Definitions

In these Terms:

  • “Account” means your registered user account with CryptoBridge.

  • “Platform” means the website, mobile applications, and any related interfaces used to access the Services.

  • “Crypto-assets” means cryptographic tokens or assets available on the Platform (including fiat-referenced tokens, utility tokens, and other digital assets), where offered.

  • “Fiat” means government-issued currency.

  • “Fees” means charges payable to CryptoBridge as described on the Platform or in these Terms.

  • “Consumer” means an individual acting for purposes not related to their trade, business, craft, or profession, as defined by applicable law.

3. Scope of the Services

3.1 What we provide. CryptoBridge provides a platform and operational services enabling users to request and execute over-the-counter (OTC) crypto-asset exchange transactions and related services (“OTC Trades”). Depending on the product configuration and your eligibility, the Services may include:

  • OTC exchange of crypto-assets for Fiat and/or other crypto-assets (including via quote / RFQ flow);

  • custody or administration of crypto-assets (if offered);

  • deposits and withdrawals (subject to compliance and operational controls);

  • transaction history, confirmations, and reporting;

  • access to customer support and compliance onboarding.

3.2 OTC dealing model. Unless explicitly stated otherwise in a product-specific notice, CryptoBridge acts as principal to OTC Trades, meaning CryptoBridge may quote you a price at which it is willing to buy or sell, and you may accept or reject that quote. CryptoBridge may hedge or otherwise manage its exposure using external venues or liquidity providers, but your trade is with CryptoBridge, not with external venues.

3.3 Service descriptions. Supported assets, pairs, minimum/maximum sizes, operating hours, settlement windows, and availability are described on the Platform and may vary by jurisdiction, user type, and compliance status.

3.4 No guarantee of availability. The availability of specific assets, pairs, or features is not guaranteed. CryptoBridge may add, modify, restrict, or discontinue services in accordance with these Terms.

4. Eligibility and permitted use

4.1 Age and capacity. You may use the Services only if you are at least 18 years old and have legal capacity to enter into these Terms.

4.2 Compliance with law. You must use the Services in compliance with applicable laws and regulations, including sanctions and AML/CFT requirements.

4.3 Sanctions and restricted persons. You must not use the Services if you are:

  • subject to applicable sanctions or restrictive measures, or

  • acting on behalf of, or for the benefit of, a sanctioned person, or

  • located in or otherwise connected with a jurisdiction where we do not offer services.

4.4 Restricted jurisdictions. We may restrict or refuse access to the Services in certain jurisdictions or to certain users based on legal, regulatory, sanctions, or risk considerations.

5. Account registration, verification, and security

5.1 Registration. To use certain Services, you must create an Account and provide accurate, current, and complete information.

5.2 Verification and compliance checks. We may require identity verification and other information to comply with legal obligations (including AML/CFT and sanctions compliance) and for fraud prevention. If you fail to provide required information, if verification fails, or if we cannot complete compliance checks, we may refuse to open an Account, restrict functionality, suspend, or terminate your Account.

5.3 Account security. You are responsible for:

  • maintaining confidentiality of login credentials;

  • restricting access to your Account and devices;

  • promptly notifying us of suspected unauthorised access or security incidents.

5.4 Unauthorised access. You are responsible for all activity under your Account unless prohibited by mandatory law. We may require additional security steps (e.g., multi-factor authentication).

6. OTC Quotes, execution, pricing, and trade finality

6.1 Request for Quote (RFQ). To execute an OTC Trade, you may submit a request for quote (RFQ) specifying (a) the asset pair, (b) direction (buy/sell), and (c) the requested amount. We may require pre-funding, available balances, or confirmed funding status before providing a quote.

6.2 Quotes. If we provide a quote, it may include the quoted price/rate and/or the amount you will receive, the applicable Fees (if charged separately), and any settlement instructions. A quote is valid only for the time period stated (or, if not stated, for a short period reflecting market conditions) and may be withdrawn or updated if market conditions change or if the quote expires.

6.3 Acceptance. An OTC Trade is formed only when you accept a valid quote in the manner specified on the Platform and we confirm acceptance. If you accept a quote after it has expired, the trade will not be executed unless we explicitly re-confirm the price.

6.4 Pricing components. Quoted prices may reflect market conditions, liquidity, risk, and costs. Quotes may include a spread and may differ from indicative prices visible on external venues. Unless expressly stated otherwise, CryptoBridge does not provide “best execution” across the market; the quote is CryptoBridge’s offered dealing price.

6.5 No advice. Quotes and execution are provided on an execution-only basis and are not investment advice or a personal recommendation.

6.6 Trade finality. Once an OTC Trade is confirmed by CryptoBridge, it is generally final and non-reversible, except where (a) required by law, (b) necessary to correct an obvious error, or (c) the trade cannot be settled due to a failure described in these Terms.

6.7 Transfer of value and risk. For OTC Trades, settlement occurs when CryptoBridge has received the required funds/assets from you and has delivered the corresponding funds/assets to you in accordance with the agreed settlement instructions. Until settlement is completed, you bear the risk of delays caused by your bank, the blockchain network, or third-party providers, and CryptoBridge bears price risk only to the extent explicitly locked by a confirmed quote.

6.8 Errors and obvious mistakes. If we reasonably determine that a quote, execution result, or displayed amount was caused by a technical error, system malfunction, or an obvious mistake (for example, a clearly erroneous rate), we may correct, cancel, or reverse the affected transaction to the extent permitted by applicable law and in a manner that is fair and proportionate.

6.9 Trade confirmations. Trade confirmations, account statements, and transaction records generated by the Platform constitute evidence of the OTC Trade terms (including amount, pair, and price) unless proven otherwise.

7. Funding, settlement, deposits, withdrawals

7.1 Funding requirements. OTC Trades may require you to have sufficient available balances and/or to pre-fund the trade in accordance with the Platform instructions. We may refuse or cancel an OTC Trade if required funds are not available or not received within the required timeframe.

7.2 Settlement. Settlement timing depends on the asset, network conditions, banking rails, and compliance checks. Where a settlement window is specified in the quote or on the Platform, you must meet it (e.g., send funds or provide required information within that window).

7.3 Banking and payment rails. Fiat transfers may be subject to bank cut-off times, correspondent banking, intermediary checks, and other third-party constraints. CryptoBridge is not responsible for delays caused by third-party banking systems.

7.4 Blockchain/network risks. Crypto-asset transfers depend on third-party networks and may be delayed due to congestion, forks, attacks, or other network events. Sending assets on an incorrect network or to an incorrect address may result in permanent loss.

7.5 Compliance holds and reviews. Deposits, withdrawals, or settlement may be delayed, held, or rejected where required by law or where we reasonably determine this is necessary for AML/CFT, sanctions, fraud prevention, security, or risk management.

7.6 Failed settlement and cancellation. If an OTC Trade cannot be settled due to (a) your failure to provide funds, information, or cooperation, (b) compliance restrictions, (c) network/banking failures, or (d) other circumstances outside our reasonable control, we may cancel the OTC Trade and/or unwind related instructions as permitted by law. Where cancellation occurs after market movements, you acknowledge that you may be responsible for resulting losses or costs to the extent permitted by law and as reasonably evidenced by CryptoBridge.

8. Crypto-asset and OTC trading risks

8.1 High-risk nature. Crypto-assets are volatile and can lose value rapidly, including to zero. Past performance does not guarantee future results.

8.2 Liquidity and pricing. OTC pricing depends on liquidity and market conditions. Quotes may be materially different from prices shown on external venues due to size, timing, liquidity, and risk considerations.

8.3 Operational and settlement risks. Delays or failures may occur due to banking rails, blockchain networks, or third-party service providers. In some cases, trades may be cancelled or settlement may be delayed under these Terms.

8.4 Regulatory risk. Laws and regulations regarding crypto-assets may change and may affect service availability or legal treatment of transactions.

8.5 Your responsibility. You are solely responsible for assessing risks and suitability, securing your devices and credentials, and ensuring your use is lawful in your jurisdiction.

9. No investment, legal, or tax advice

9.1 No advice. Unless expressly agreed in writing, CryptoBridge does not provide investment advice, legal advice, or tax advice. Any information, content, market commentary, educational materials, or product descriptions are provided for general information purposes only and may be incomplete or not up to date.

9.2 Independent judgement. You are responsible for making your own decisions and obtaining independent professional advice where appropriate.

9.3 No waiver of mandatory rights. Nothing in these Terms excludes liability for fraud or intentional misrepresentation or limits rights that cannot be excluded under applicable law.

10. Fees, spreads, and taxes

10.1 Fees and spreads. CryptoBridge may charge fees for the Services. Fees may be charged (a) as a separate fee disclosed to you, and/or (b) incorporated into the quoted price via a spread. The applicable fee model for an OTC Trade will be disclosed in the quote, trade confirmation, or on the Platform.

10.2 Third-party fees. Network fees (e.g., blockchain “gas”), banking fees, and other third-party charges may apply and are your responsibility unless expressly stated otherwise.

10.3 Changes to fees. We may update general fee schedules from time to time. Material fee changes will be communicated in advance where reasonably possible and will apply from the effective date indicated.

10.4 Taxes. You are responsible for determining and paying any taxes applicable to your use of the Services.

11. AML/CFT, sanctions compliance, and monitoring

11.1 Compliance measures. We apply AML/CFT, sanctions screening, transaction monitoring, and related controls as required by applicable law and our internal policies.

11.2 Information requests. You agree to provide requested information and documents (including source of funds/wealth where required) and to keep your information accurate and up to date.

11.3 Refusals and restrictions. We may refuse onboarding, restrict services, suspend, block, or terminate Accounts and transactions where required by law or where we reasonably determine this is necessary for compliance, security, fraud prevention, or risk management.

12. Privacy and data protection

We process personal data in accordance with our Privacy Notice (Poland / EU), which forms part of these Terms. The Privacy Notice explains what data we process, for what purposes, on what legal bases, how long we keep it, and what rights you have under GDPR.

13. Acceptable use and prohibited activities

You must not use the Services to:

  • violate any law, regulation, sanctions, or court order;

  • engage in money laundering, terrorist financing, fraud, or deceptive activity;

  • infringe intellectual property or other rights;

  • distribute malware, attempt unauthorised access, probe, scan, or test vulnerabilities without permission;

  • interfere with or disrupt the Platform, including through automated scraping or abusive API usage;

  • provide false, misleading, or incomplete information.

We may investigate suspected violations and may cooperate with authorities as required by law.

14. Intellectual property; licence to use the Platform

14.1 Our IP. The Platform and its content (excluding user-provided content) are owned by CryptoBridge or its licensors and protected by intellectual property laws.

14.2 Limited licence. We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the Services for your personal or internal business use (as applicable) in accordance with these Terms.

14.3 Restrictions. You must not copy, modify, reverse engineer, decompile, distribute, sell, resell, or create derivative works of the Platform or content, except where permitted by law.

14.4 Trademarks. “CryptoBridge” and related marks are trademarks or service marks of CryptoBridge or its licensors. You may not use them without our prior written consent.

15. Third-party services and content

15.1 Third parties. The Services may include third-party content, tools, or integrations. We do not control third-party services and are not responsible for their content, policies, or availability.

15.2 Your dealings. Your dealings with third parties are between you and the third party and may be subject to their terms.

16. Service changes, downtime, and maintenance

16.1 Changes and maintenance. We may modify, suspend, or discontinue parts of the Services for technical, security, legal, compliance, or business reasons.

16.2 Notice. Where reasonably possible, we will provide advance notice of material changes that significantly affect your use of the Services, except where urgent action is required (e.g., security incidents).

16.3 No guarantee of uninterrupted service. We do not guarantee uninterrupted or error-free operation. We are not responsible for interruptions caused by factors outside our reasonable control, including third-party outages, network issues, or force majeure.

17. Suspension and termination

17.1 By you. You may close your Account at any time, subject to completing any pending obligations, compliance holds, and settlement.

17.2 By us. We may suspend or terminate your access to the Services where we reasonably determine that:

  • you breached these Terms;

  • we are required to do so by law or a competent authority;

  • it is necessary to protect the Platform, users, or our systems from security risks, fraud, or abuse;

  • you fail required verification or compliance checks; or

  • you provided false or misleading information.

17.3 Notice and reasons. Where reasonably possible, we will provide notice and the reason for suspension/termination, unless doing so would be unlawful or would compromise security or investigations.

17.4 Effect of termination. Upon termination, your licence to use the Services ends. Certain sections (including those relating to compliance, records, and liability) survive termination.

18. Consumer information and mandatory rights

18.1 Consumers. If you are a Consumer, you may have additional rights under mandatory consumer protection laws. Nothing in these Terms limits those rights.

18.2 Unfair terms. CryptoBridge does not intend any provision of these Terms to be unfair or to create a significant imbalance to the detriment of Consumers. If a provision is found unenforceable under mandatory law, it will be interpreted or modified only to the extent necessary to make it enforceable.

19. Disclaimers

19.1 As-is. To the extent permitted by law, the Services are provided “as is” and “as available”.

19.2 No warranties. We do not make warranties that the Services will always be available, uninterrupted, timely, secure, or error-free. This does not exclude warranties or rights that cannot be excluded under mandatory law.

20. Limitation of liability

20.1 General limitation. To the maximum extent permitted by law, CryptoBridge is not liable for indirect or consequential losses (such as loss of profits, loss of business, or loss of goodwill) arising from your use of the Services.

20.2 Non-excludable liability. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for intentional misconduct, fraud, or personal injury, or mandatory Consumer rights.

20.3 Foreseeable damages. Where CryptoBridge is liable, liability is limited to foreseeable damages directly caused by our breach, unless mandatory law requires otherwise.

20.4 Network and third-party events. CryptoBridge is not responsible for losses resulting from events outside its reasonable control, including blockchain/network incidents, protocol failures, third-party service outages, or actions of third parties, except to the extent mandatory law requires otherwise.

21. Indemnification (business users)

If you use the Services in a business capacity, you agree to indemnify and hold CryptoBridge harmless from claims, liabilities, losses, and expenses arising from your breach of these Terms, unlawful use of the Services, or misuse of the Platform. This indemnity does not apply to the extent a claim results from CryptoBridge’s intentional misconduct or where prohibited by mandatory law. If you are a Consumer, indemnity obligations apply only to the extent permitted by mandatory consumer protection law.

22. Complaints

You may submit complaints regarding the Services by email to support@cryptobridge.pl. We will confirm receipt and respond within a reasonable time. Where applicable, you may also have access to out-of-court dispute resolution mechanisms under Polish or EU law.

23. Governing law and dispute resolution

23.1 Governing law. These Terms are governed by the laws of Poland.

23.2 EU consumer mandatory rights. If you are a Consumer habitually resident in the European Union, you may also benefit from mandatory consumer protection provisions of the law of your country of residence.

23.3 Courts. Disputes will be submitted to the competent courts in Poland, unless mandatory law provides otherwise.

24. Changes to these Terms

We may update these Terms from time to time. The latest version will be published on the Platform with the “Last revision” date. Where changes are material, we will provide notice as described in the introduction section. Continued use of the Services after the effective date of updated Terms constitutes acceptance of the updated Terms, subject to mandatory law.

25. Electronic communications

By using the Services, you consent to receiving electronic communications from us (e.g., email, in-app notifications). These communications may include operational messages, security alerts, compliance requests, and legal notices. Electronic communications satisfy legal communication requirements where permitted by applicable law.

26. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms (including rights and obligations) as part of a corporate reorganisation, merger, acquisition, or sale of assets, provided this does not reduce your mandatory rights.

27. Severability

If any provision of these Terms is found unlawful or unenforceable, that provision will be severed or limited to the minimum extent necessary, and the remaining provisions will remain in effect.

28. No waiver

A failure or delay by CryptoBridge to enforce any provision is not a waiver of our right to enforce it later.

29. Entire agreement

These Terms, together with the Privacy Notice and any product-specific terms or notices presented on the Platform, constitute the entire agreement between you and CryptoBridge regarding the Services and supersede prior versions.

30. Force majeure

CryptoBridge is not liable for delays or failure to perform resulting from causes beyond its reasonable control, including natural disasters, war, terrorism, civil unrest, strikes, power or internet failures, third-party outages, pandemics, or government actions.