Terms of Service

Last Updated: December 2025

By accessing or using iCloser services (the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Services.

1. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use the Services. By using the Services, you represent and warrant that you meet these requirements.

2. Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

3. Prohibited Activities

You agree not to:

• Violate any applicable laws or regulations
• Engage in fraudulent, deceptive, or manipulative activities
• Interfere with or disrupt the Services or servers
• Attempt to gain unauthorized access to any systems or data
• Use the Services for money laundering or terrorist financing
• Impersonate any person or entity

4. No Financial Advice

The Services are provided for informational and technological purposes only and do not constitute financial, investment, legal, or tax advice. You should consult with appropriate professionals before making any financial decisions.

5. Digital Asset Risks

Digital assets and blockchain technologies involve significant risks, including but not limited to:

• Extreme price volatility
• Irreversible transactions
• Regulatory uncertainty
• Technical vulnerabilities
• Loss of private keys resulting in permanent loss of assets

You acknowledge and accept all risks associated with using the Services and digital assets.

6. Compliance with Laws

You must comply with all applicable laws, including but not limited to:

• Anti-money laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Economic sanctions programs
• Tax reporting obligations

7. Service Modifications and Termination

We reserve the right to:

• Modify, suspend, or discontinue the Services at any time
• Refuse service to anyone for any reason
• Terminate or suspend your account for violations of these Terms

8. Intellectual Property

All content, trademarks, and intellectual property related to the Services are owned by iCloser Ltd. or our licensors. You may not use, copy, or distribute any content without our express written permission.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ICLOSER DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ICLOSER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

11. Indemnification

You agree to indemnify, defend, and hold harmless iCloser Ltd., its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or related to your use of the Services or violation of these Terms.

12. Dispute Resolution

Any disputes arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Colorado, United States, without regard to its conflict of law provisions. Venue for any legal proceedings shall be in Colorado.

14. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of the Services after such changes constitutes acceptance of the updated Terms.

15. Contact Information

If you have questions about these Terms, please contact us:

• Email: jimlai@icloser.xyz
• Company: iCloser Ltd.
• Address: 1580 N Logan St, Suite 660 #30327, Denver, CO 80203, USA