TERMS AND CONDITIONS

Last Updated: April 15, 2025

AGREEMENT TO OUR LEGAL TERMS

We are Onedotone (“Company,” “we,” “us,” or “our”).
We operate the Onedotone mobile application (the “App”), along with other products and services related to it that reference or link to these legal terms (collectively, the “Services”).

You may contact us by email at:
info@onedotone.finance
(No physical address applies.)

These Terms and Conditions (“Legal Terms”) constitute a legally binding agreement made between you (whether personally or on behalf of an entity, hereinafter “you”) and Onedotone, concerning your access to and use of the Services. BY ACCESSING OR USING OUR SERVICES, YOU ACCEPT AND AGREE TO BE BOUND BY ALL OF THESE LEGAL TERMS. IF YOU DO NOT AGREE, YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND MUST DISCONTINUE USE IMMEDIATELY.

We may post supplemental terms or documents on the Services from time to time; such supplemental terms are hereby expressly incorporated by reference into these Legal Terms. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms. We will alert you of any changes by updating the “Last Updated” date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. By continuing to use the Services after the date such revised Legal Terms are posted, you will be deemed to have been made aware of and to have accepted the changes.

The Services are intended for users who are at least 18 years old. Persons under 18 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

1. OUR SERVICES
1.1. Selection of Digital Assets and Core Functionalities
1.2. Invitation and Access Request
1.3. User Registration
1.4. Verification and Identification Process (KYC)
1.5. Fiat Money Deposits and Withdrawals
1.6. Deposits and Withdrawals of Digital Assets
1.7. Buy/Sell Service (Trade)
1.8. Buy/Sell Service (Portfolios)
1.9. Staking Service
1.10. Market Overview
1.11. Delisting and Network Events (Forks, Airdrops)

2. INTELLECTUAL PROPERTY RIGHTS
3. USER REPRESENTATIONS
4. USER REGISTRATION AND KYC
5. PROHIBITED ACTIVITIES
6. NO USER-GENERATED CONTENT
7. MOBILE APPLICATION LICENSE
8. LIMITED THIRD-PARTY ACCOUNT ACCESS
9. SERVICES MANAGEMENT
10. PRIVACY POLICY
11. TERM AND TERMINATION
12. MODIFICATIONS AND INTERRUPTIONS
13. GOVERNING LAW
14. DISPUTE RESOLUTION
15. CORRECTIONS
16. DISCLAIMER
17. LIMITATIONS OF LIABILITY
18. INDEMNIFICATION
19. USER DATA
20. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
21. SMS (TEXT MESSAGING)
22. MISCELLANEOUS
23. CONTACT US

1. OUR SERVICES

Onedotone is an exclusive, invitation-based mobile platform for investing in digital assets, primarily aimed at High Net Worth Individuals (HNW) and Ultra High Net Worth Individuals (UHNW). Access to our App requires an invitation, followed by acceptance of your access request once the onboarding and KYC processes have been completed, in accordance with the regulations of El Salvador.

The information and functionalities provided by Onedotone are not intended for distribution or use by any person or entity in any jurisdiction or country where such distribution or use would violate law or regulation, or which would subject the Company to any registration requirement. Users who choose to access the Services from outside El Salvador do so on their own initiative and are responsible for compliance with local laws (if and to the extent applicable).

Non-banking nature and absence of government-backed protection

The digital assets you acquire and hold through Onedotone do not constitute bank deposits and are not insured, guaranteed, or backed by any government or deposit insurance fund. Investing in digital assets carries the risk of partial or total loss of funds; you agree that Onedotone assumes no liability for such losses.

Tax responsibility

You are solely responsible for complying with the tax obligations corresponding to your country of residence, or any other relevant jurisdiction, regarding the transactions you carry out on the platform.

Below is a detailed description of our features and services (Sections 1.1 to 1.11). The same information is also included in the Annex: Detailed Description of Services at the end of this document for further reference.

1.1. SELECTION OF DIGITAL ASSETS AND CORE FUNCTIONALITIES

Onedotone focuses on a carefully curated selection of digital assets (e.g., Bitcoin and other crypto assets). Our platform provides:

The ability to buy, sell, and hold the supported digital assets.
Price and balance monitoring.
Key security functionalities, including transaction confirmations and multi-factor authentication.

We periodically update our asset selection based on internal, regulatory, and market criteria.

1.2. INVITATION AND ACCESS REQUEST

Due to Onedotone’s exclusive nature, you must first receive an invitation. You must then submit an access request, which will be internally reviewed. Approval of this request is subject to the fulfillment of regulatory requirements and successful verification of your information (KYC). We reserve the right, at our sole discretion, to deny any request.

1.3. USER REGISTRATION

To use our Services, you must create an account on the App, providing accurate and up-to-date information. Upon registration, you will be asked for contact information and, possibly, basic financial data to proceed with identity verification. The information you provide must match what is used in the KYC process to ensure consistency and legality.

1.4. VERIFICATION AND IDENTIFICATION PROCESS (KYC)

To comply with anti-money laundering (AML) and counter-terrorism financing (CFT) laws and regulations, Onedotone implements a mandatory KYC process, which includes:

Verification of a valid government-issued ID through a specialized third party.
Biometric checks and screening against international sanction or high-risk (PEP) lists.
Additional risk assessments if deemed necessary.

Failure to cooperate or providing false or incomplete information may result in suspension or closure of your account.

1.5. FIAT MONEY DEPOSITS AND WITHDRAWALS

Onedotone allows the deposit and withdrawal of funds in certain fiat currencies, subject to the availability of authorized payment methods (e.g., bank transfers). You acknowledge that:

Processing times may vary depending on the banking institution and jurisdiction.
Banking fees or fees from third-party payment providers may apply.
Successful completion of the KYC process is a prerequisite for fiat deposits and withdrawals.

1.6. DEPOSITS AND WITHDRAWALS OF DIGITAL ASSETS

You may deposit and withdraw supported digital assets to or from addresses enabled on the platform. You acknowledge that:

Minimum and maximum limits may apply, depending on your verification level or our internal risk policies.
Network fees and potential administrative fees apply.
Security procedures (such as multiple confirmations on the blockchain and user notifications) are in place.

1.7. BUY/SELL SERVICE (TRADE)

Onedotone offers a functionality to exchange digital assets for fiat currencies or other digital assets.

Buy and sell orders are executed at the rates displayed on the platform.
Price spreads, transaction fees, and liquidity limits may apply.
Execution of trades is subject to the availability of counterparties or liquidity in Onedotone’s internal marketplace or integrated external markets.

1.8. BUY/SELL SERVICE (PORTFOLIOS)

In addition to direct buy/sell transactions, Onedotone offers the possibility of investing in thematic portfolios or pre-designed strategies of digital assets. Such portfolios may include:

Diversification across multiple crypto assets, selected according to market or risk criteria.
Automatic rebalancing at defined intervals.
Consolidated view of composition and historical performance.

You acknowledge that investing in portfolios does not constitute personalized financial advice; it is an automated or internally managed service subject to market volatility.

1.9. STAKING SERVICE

Onedotone may allow staking of certain digital assets that support Proof-of-Stake (or variants). By participating:

You temporarily delegate your assets to support network security, generating rewards.
Rewards depend on the respective network’s protocol, participation rates, and other factors.
Lock-up periods and/or management fees may apply.

We do not guarantee yields or the continuity of the staking service for any specific asset.

1.10. MARKET OVERVIEW

The platform provides an overview of price movements, relevant news, or market metrics for the principal digital assets available. This information:

Is provided solely for informational purposes and does not constitute financial, legal, or tax advice.
May originate from third-party sources, whose accuracy or availability we do not guarantee.

1.11. DELISTING AND NETWORK EVENTS (FORKS, AIRDROPS)

We reserve the right to cease offering a digital asset (delisting) or to manage, at our discretion, the allocation of assets resulting from chain splits (forks) or free distributions (airdrops). In such cases:

We will provide notice where possible, to allow you to withdraw or sell the affected assets.
We are not liable if a fork or airdrop occurs outside of our control, or if we decide not to support it for technical, security, or legal reasons.

2. INTELLECTUAL PROPERTY RIGHTS

2.1. Our Intellectual Property

All intellectual property rights in the Services and their content (code, databases, functionalities, designs, text, images, graphics, trademarks, logos, etc.) are owned by us or our licensors and are protected by applicable copyright and industrial property laws. Such content and marks are made available “AS IS” solely for your personal, non-commercial use or internal business purposes.

2.2. Your Use of Our Services

Subject to your compliance with these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to:

Access the Services; and
Download or print one copy of any portion of the content to which you have legitimate access, exclusively for your personal, non-commercial use or internal business purposes.

Any other form of copying, reproducing, republishing, uploading, publicly displaying, encoding, translating, transmitting, distributing, selling, licensing, or otherwise exploiting the Services, the content, or the marks for any commercial purpose requires our prior written permission.

3. USER REPRESENTATIONS

By using the Services, you represent and warrant that:

Registration Data: All registration information you submit is true, accurate, current, and complete.
Information Maintenance: You will maintain the accuracy of such information and promptly update it as necessary.
Legal Capacity: You have the legal capacity to comply with these Legal Terms.
Minimum Age: You are not a minor in your jurisdiction (at least 18 years of age).
Lawful Use: You will not use the Services for any illegal or unauthorized purpose.
Regulatory Compliance: Your use of the Services will not violate any applicable law or regulation.
Lawful Source of Funds: You warrant that the funds used on the platform do not derive from illicit activities and that you will not use Onedotone for money laundering, fraud, terrorist financing, or any other illegal activities.

If you provide any information that is untrue or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services.

4. USER REGISTRATION AND KYC

4.1. Mandatory Registration

You must register in order to use our Services. We may require you to provide additional information to verify your identity, contact information, and other relevant details.

4.2. Know Your Customer (KYC) Procedure

In compliance with anti-money laundering (AML) and counter-terrorism financing (CFT) laws and regulations, we require a mandatory identity verification (KYC) process. This may include:

Verification of your valid government-issued ID through a specialized third party (e.g., Onfido).
Biometric checks and matching against international sanction lists (PEP or high-risk registries).
Additional risk assessments.

You agree to cooperate and provide any information we request. We reserve the right to suspend or close your account if you fail to complete the KYC process, if any relevant flags arise, or if your data does not meet our accuracy requirements.

4.3. Credential Security

You must keep your login credentials (password, 2FA, etc.) secure. You are responsible for any activity that occurs under your credentials. We reserve the right to remove or change your username if we determine it is inappropriate or violates these Legal Terms.

4.4. Investigative Powers

We reserve the right to investigate any activity we deem suspicious and to notify the relevant authorities where required or permitted by law, including reporting unusual transactions.

5. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than those explicitly authorized. In particular, you agree not to:

Systematically Obtain Data: Collect or harvest data from the Services to create a database without permission.
Deceit and Fraud: Impersonate us or mislead others to gain access to confidential information.
Security Violations: Circumvent or interfere with security measures, including introducing viruses or other harmful code.
Malicious Use of Information: Use data from the Services to harass, abuse, or harm another person.
False Reports: Misuse our support services or submit false abuse reports.
Illegal Use: Violate applicable laws or regulations while using the Services.
Unauthorized Linking or Framing: Engage in unauthorized framing or deep-linking.
Illicit Automation: Employ bots, scrapers, or other automated tools to exploit the Service.
Impersonation: Use another user’s credentials without authorization.
Excessive Load: Overburden our infrastructure or interfere with its functionality.
Harassment or Threats: Harass, intimidate, or threaten our employees or agents.
Software Decompilation: Copy or adapt source code, decompile, reverse engineer, etc., without authorization.
Bulk Emails and Contact Data: Collect email addresses or other contact information for unsolicited messages.
Unfair Competition: Use the Services to compete with us without permission or for any unauthorized commercial purpose.
Market Manipulation: Conduct wash trades, price pumping, spoofing, or other attempts at manipulating digital asset prices.
Operating Multiple Accounts Without Authorization: Register more than one account to circumvent restrictions or violate policies.

Violating any of these prohibitions may result in account suspension or termination, in addition to any legal action deemed appropriate.

6. NO USER-GENERATED CONTENT

Our platform does not offer or allow public posting of content (forums, blogs, or user reviews). Therefore, users cannot upload text, audio, video, or other user-generated content (UGC) on the App. If you send us private suggestions or feedback (e.g., via email), our communications policy and the relevant terms of these Legal Terms will apply to that feedback.

7. MOBILE APPLICATION LICENSE

7.1. Application Use

If you access our Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on devices you own or control, strictly under the terms of this license. You must not:

Decompile, reverse engineer, or attempt to derive the source code.
Make any modification or derivative work from the App.
Violate laws or regulations when using the App.
Remove or alter any proprietary notice.
Use the App for any commercial purposes not authorized by us.
Make the App available to multiple devices or users simultaneously in an unauthorized manner.

7.2. App Distribution

The App is distributed through stores such as Apple’s App Store or Google Play (each an “App Distributor”). You acknowledge that:

The license is limited to use on iOS or Android systems, as permitted by each App Distributor’s terms.
The App Distributor has no obligation to provide support or maintenance.
If the App fails to meet any warranty, you may notify the App Distributor for a potential refund (if applicable), but no further obligations apply.
You are not located in a country under U.S. embargo or on the U.S. government’s list of state sponsors of terrorism.
You must comply with relevant third-party terms (e.g., wireless data service agreements).
The App Distributor is a third-party beneficiary of these Legal Terms and may enforce them against you.

8. LIMITED THIRD-PARTY ACCOUNT ACCESS

Onedotone does not allow linking your account with social media networks (e.g., Facebook, Twitter) to share content. However, you may opt to register or log in using Google or Apple solely to streamline authentication. In such cases, we do not access your social media content; only the minimal data needed to identify you.

9. SERVICES MANAGEMENT

We reserve the right to:

Monitor the Services to detect violations of these Terms.
Take legal action against anyone who violates the law or these Terms.
Refuse or restrict access to any portion of the Services, without liability or notice.
Remove or disable any files deemed excessive in size or burdensome to our systems.
Manage the Services to protect our rights and ensure proper functioning.
Freeze Accounts: Temporarily suspend or confiscate assets if there are signs of illicit activity, AML/CFT violations, or policy breaches.

10. PRIVACY POLICY

We value data privacy and security. Please review our Privacy Policy (available via our App or website) to understand how we collect, use, and share your personal information. By using the Services, you acknowledge your acceptance of such Privacy Policy. Onedotone operates in El Salvador and is subject to its legal framework for data protection in the field of digital assets.

11. TERM AND TERMINATION

These Legal Terms remain in full force and effect while you use the Services. We reserve the right, in our sole discretion and without notice, to deny access to the Services to any person, for any reason (including violations of these Terms or the law). We may terminate or suspend your use of the Services or your account at any time, without warning.

If we terminate or suspend your account, you are prohibited from registering and creating a new account under your name or any similar name, even if acting on behalf of a third party. We reserve the right to take appropriate legal action (civil, criminal, or otherwise).

12. MODIFICATIONS AND INTERRUPTIONS

We may modify, change, or remove any content or feature of the Services at any time for any reason, without liability to you or any third party. We are not obligated to update any information.

We do not guarantee the Services will always be available. You agree that we will not be liable for any loss or damage arising from the temporary or permanent lack of availability of the Services.

If regulatory changes or circumstances require it, we may impose additional limits or restrictions on certain operations (deposits, withdrawals, buy/sell, etc.) to comply with our legal obligations.

13. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of El Salvador, without regard to conflict of law principles. Both Onedotone and you irrevocably submit to the exclusive jurisdiction of the competent courts in El Salvador for the resolution of any dispute arising from these Terms.

14. DISPUTE RESOLUTION

14.1. Informal Negotiations

To expedite resolution and control legal costs, you agree to attempt to resolve any dispute or claim related to these Terms informally for at least ___ days before initiating formal proceedings, by sending written notice.

14.2. Arbitration

To the extent permitted by Salvadoran law, any dispute may be submitted to binding arbitration in accordance with the rules of a recognized institution in El Salvador. The arbitrator’s decision shall be final. Class arbitrations or class actions are expressly excluded, and any dispute shall be limited to the individual parties involved.

14.3. Exceptions

Claims regarding intellectual property rights or injunctive relief are exempt from informal negotiations and arbitration. If any part of this clause is found illegal or unenforceable, any dispute arising shall be submitted to the jurisdiction of the courts of El Salvador.

15. CORRECTIONS

There may be information on the Services containing typographical errors, inaccuracies, or omissions (including descriptions or availability). We reserve the right to correct any such errors, inaccuracies, or omissions, and to update or amend the information, at any time without prior notice.

16. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOUR USE IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

16.1. No Financial, Legal, or Tax Advice

You acknowledge and agree that Onedotone does not act as a financial, legal, or tax advisor, and does not provide personalized investment recommendations. Any information we provide regarding markets, prices, or the characteristics of digital assets is for informational purposes only and should not be construed as advice or counsel for decision-making. Before investing or conducting transactions, you should consult with independent professionals (attorneys, accountants, financial advisors) to evaluate your particular situation.

16.2. Market and Investment Risks

Onedotone is not liable for the inherent volatility and risks associated with digital assets, nor does it guarantee any returns. You acknowledge the possibility of total or partial loss of your investment. Transaction execution may be impacted by external factors (network congestion, technical failures, etc.).

16.3. Asset Availability

We do not guarantee the ongoing availability of any digital asset on the platform, nor the execution of all intended transactions. We may suspend, list, or delist assets in line with internal, regulatory, or security criteria.

17. LIMITATIONS OF LIABILITY

TO THE EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR DATA, ARISING OUT OF YOUR USE (OR INABILITY TO USE) THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL OUR LIABILITY EXCEED THE AMOUNT PAID (IF ANY) BY YOU TO ONEDOTONE FOR THE SERVICES, OR THE VALUE OF THE ASSETS YOU HOLD ON THE PLATFORM (WHICHEVER IS LOWER).

Some jurisdictions do not allow the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above exclusions or limitations may not apply, and you may have additional rights.

18. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless (including our subsidiaries, affiliates, and all respective officers, agents, partners, and employees) from and against any loss, damage, liability, claim, or demand (including reasonable attorneys’ fees) made by any third party due to or arising from:

Your use of the Services;
Your breach of these Legal Terms;
Any breach of your representations and warranties;
Your violation of a third party’s rights (including intellectual property rights); or
Any other harmful act toward any user of the Services with whom you connect.

We reserve the right to take exclusive control of any matter subject to indemnification, at your expense, and you agree to cooperate accordingly.

19. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing performance of the Services, as well as data relating to your use of the Services. You are solely responsible for all data you transmit or that relates to any activity you have undertaken using the Services. We will not be liable for any loss or corruption of such data, and you waive any right of action against us arising from any such loss or corruption.

20. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.
You hereby agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the Services.

21. SMS (TEXT MESSAGING)

21.1. Opt-Out

If you receive SMS messages from us and wish to stop receiving them, please follow the instructions provided in the message or contact us at info@onedotone.finance.

21.2. Message and Data Rates

Your carrier’s messaging and data rates may apply to any messages you send or receive. These rates depend on your mobile plan and provider.

21.3. Support

If you have questions about our SMS communications, please email us at info@onedotone.finance.

22. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time.

If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part thereof is deemed severable and does not affect the validity and enforceability of the remaining provisions. No joint venture, partnership, employment, or agency relationship is created by these Legal Terms. You agree that these Legal Terms will not be construed against us by virtue of our having drafted them. You hereby waive any defenses you may have based on the electronic form of these Legal Terms and the lack of a signature by the parties.

23. CONTACT US

To resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Onedotone
Email: info@onedotone.finance

24. ADDITIONAL COMPLIANCE PROVISIONS

24.1. Travel Rule Compliance Onedotone complies with the Financial Action Task Force (FATF) Travel Rule. Where a transaction requires it, we may collect, retain, and share with other virtual asset service providers or financial institutions the minimum originator and beneficiary information (including full name, identification document, country, and account or crypto-address details). Such data is processed in accordance with the laws of El Salvador and our Privacy Notice.

24.2. Restricted Jurisdictions For regulatory and risk-appetite reasons, Onedotone does not offer its Services in certain jurisdictions. The United States is excluded. We implement geo-fencing and verification measures (including IP address checks, document country, and proof of address). If, during the relationship, we detect that a user is located in a restricted jurisdiction, we may suspend or close the account and/or request withdrawal of funds as required by applicable law.

24.3. KYC/AML Data Retention and Privacy Personal data collected for KYC/AML purposes (including biometrics and screening against sanctions/PEP lists) is retained for the minimum legal period and may be shared with competent authorities or third-party vendors that perform verification and monitoring, in line with our Privacy Notice.

24.4. Dispute Resolution Clause Before filing any formal claim, the Parties will seek an amicable solution within ninety (90) calendar days from written notice of the dispute. If no agreement is reached within that period, the controversy will be submitted to the jurisdiction specified in these Terms and Conditions.