Terms of Use

1. Introduction

This Terms of Use ("Agreement") governs your access to and use of the technology platform and related services (collectively, the "Services") provided by HEVN Inc. ("HEVN" "we," "our," or "us"), made available at hevn.finance (the "Website") and via our mobile application (collectively, the "Platform").

HEVN is committed to providing a secure, reliable, and transparent platform for your business. We invest in security audits, regulatory compliance, and operational resilience to protect your interests.

By accessing the Platform, creating an account, or using any of our Services, you represent that you have read, understood, and agree to be bound by this Agreement. If you are using the Services on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to this Agreement.

We may modify this Agreement at any time by posting an amended version on our Website. Material changes will be communicated to you at least thirty (30) days in advance. If you do not agree with any modifications, you must discontinue use of the Services and close your account.

Regulatory Status Disclosure

2. Definitions

• "Account" means the account you open and maintain with HEVN to access and use the Services, including access to deposit accounts held by Account Providers, corporate cards, and other financial products offered through our regulated partners.
• "Account Provider" means the regulated banking partners and financial institutions through which HEVN facilitates access to deposit accounts, cards, and other financial products.
• "Authorized User" means any individual you designate to access or manage your Account on your behalf.
• "Company Information" means all business data, personal data, and documentation you provide to us in connection with opening or maintaining your Account.
• "Digital Assets" means blockchain-based digital tokens, including Stablecoins (such as USDC), cryptocurrencies, and other digital representations of value recorded on a distributed ledger.
• "Non-Custodial Smart Contract Wallet" means a blockchain-based smart contract wallet in which Digital Assets are stored and controlled exclusively by the user through cryptographic authentication. HEVN does not hold private keys to, and does not have independent access to, Non-Custodial Smart Contract Wallets.
• "PassKey" means the cryptographic authentication credential (based on the WebAuthn/FIDO2 standard) used by the user to authorize transactions at the smart contract level.
• "Stablecoins" means Digital Assets designed to maintain a stable value relative to a reference currency (e.g., USD). Stablecoins are issued by third-party issuers and are not issued, guaranteed, or redeemed by HEVN.
• "Services" means all technology products, features, and services made available through the Platform, including Digital Asset wallet services, technology interfaces to account services provided by Account Providers, and treasury management tools.

3. Eligibility

By using the Platform and agreeing to this Agreement, you represent and warrant that:

• You are a legally registered business entity or a sole proprietor operating a legitimate business
• The individual accepting this Agreement is at least 18 years of age and has the legal authority to bind the entity to this Agreement
• You have the legal capacity to enter into a binding contract with HEVN
• You will only use the Services for lawful business purposes and in compliance with all applicable laws and regulations
• You have not previously had an account with HEVN that was terminated for violation of this Agreement

HEVN reserves the right to deny service, close accounts, or restrict access to the Services at our sole discretion.

Jurisdiction Restrictions

The Services are not available to individuals or entities located in, organized under the laws of, or residents of jurisdictions subject to comprehensive sanctions by the United States (OFAC), the European Union, the United Nations, or other applicable sanctions regimes.

4. Account Opening and Verification

To open an Account, you are required to provide comprehensive Company Information as determined by us and our Account Providers. This includes, but is not limited to, corporate registration documents, beneficial ownership information, identity documents of directors and authorized signatories, and financial information.

We provide Company Information to our Account Providers and third-party service providers to conduct identity verification (KYC), business verification (KYB), anti-money laundering (AML) screening, sanctions checks, and to determine your eligibility for our Services.

You are responsible for ensuring that all Company Information is current, complete, and accurate at all times.

Verification Data Handling

By initiating the account opening process, you authorize HEVN to transmit Company Information to regulated third-party verification providers for the purpose of completing KYB/KYC verification. HEVN deletes identity documents, government-issued IDs, financial statements, and other verification materials from its systems after the verification process is complete across all providers. For full details, see our Privacy Policy .

5. Account Management

You must designate at least one authorized representative ("Control Person") to manage your Account during the application process. The Control Person is authorized to conduct various activities including managing users, requesting cards, initiating transactions, and updating Company Information.

You are fully responsible for all actions taken on your Account. You must:

• Keep your Account credentials secure and confidential
• Use strong, unique passwords and enable multi-factor authentication where available
• Report any suspected unauthorized access or security breaches to HEVN without undue delay at [email protected]
• Ensure that all Authorized Users comply with this Agreement

User Responsibility

You are responsible for safeguarding your authentication credentials, PassKeys, and access mechanisms. We recommend enabling all available recovery options during onboarding to ensure continued access to your Account.

Account Recovery and Succession

HEVN provides optional recovery features to help you maintain access to your Account and Digital Assets. These include the ability to designate a third-party recovery guardian at the smart contract level. We recommend enabling recovery options and establishing appropriate succession and contingency plans for your business accounts.

6. Services

HEVN provides a technology platform that connects you to regulated financial products and Digital Asset wallet infrastructure. Our Services may include:

• Digital Asset wallet services
• Multi-currency business accounts with dedicated IBAN numbers
• International payments via SWIFT, SEPA, ACH, Wire, and Stablecoin settlement rails
• Corporate card issuance (virtual and physical) with expense management controls
• Currency exchange and treasury management tools
• Additional financial products and features as introduced from time to time

Digital Asset Wallet Services and Non-Custody

HEVN provides smart contract-based Digital Asset wallet infrastructure. User Digital Assets are maintained in Non-Custodial Smart Contract Wallets deployed on public blockchain networks.

HEVN does not hold private keys, does not have unilateral or joint control over user Digital Assets, and cannot independently initiate, authorize, or execute transactions.

Fiat Conversion and Third-Party Settlement

When converting USDC or other Digital Assets into fiat currency, users authorize transfers directly from their Non-Custodial Smart Contract Wallet to regulated third-party conversion providers. HEVN facilitates these conversions as a technology provider but does not act as principal, counterparty, custodian, or settlement intermediary.

Fiat conversion services are provided by Swipelux. By using fiat conversion features, you also agree to the Swipelux Terms of Service .

Banking and Payment Services

IBAN accounts, ACH, Wire, SEPA transfers, and corporate card products are provided by regulated third-party financial institutions. HEVN acts solely as a technology interface and does not hold deposits.

7. Fees and Charges

You agree to pay all applicable fees and charges associated with your use of the Services. Fees may include, but are not limited to:

• Monthly account maintenance fees
• Transaction and payment processing fees
• Card issuance and usage fees
• Currency exchange fees
• Other fees for premium features or add-on services

We reserve the right to modify our fee schedule with at least thirty (30) days' prior notice.

Tax Reporting

You are solely responsible for determining and fulfilling your tax obligations arising from your use of the Services. HEVN and/or its Account Providers may be required to report certain transaction information to tax authorities as required by applicable law.

8. Prohibited Activities

You may not use the Platform or Services for any illegal, harmful, or unauthorized purpose. Prohibited activities include, but are not limited to:

• Money laundering, terrorist financing, or any activity that violates applicable AML/CTF laws
• Transactions involving sanctioned individuals, entities, or jurisdictions
• Fraud, deception, or providing false or misleading information
• Using the Account for personal, family, or household purposes unrelated to your business
• Using the Services on behalf of unaffiliated third parties without prior written consent
• Attempting to gain unauthorized access to the Platform or other users' accounts
• Reverse engineering, decompiling, or disassembling any software used in the Services
• Using automated tools (bots, scrapers, spiders) without express written permission
• Circumventing, disabling, or interfering with security features
• Impersonating any person or entity or misrepresenting your affiliation

9. Privacy and Data

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy , which is incorporated into this Agreement by reference.

By using the Services, you acknowledge the collection and use of your information as described in our Privacy Policy.

10. Intellectual Property

All aspects of the Platform, including all content, software, designs, text, graphics, logos, icons, images, audio, video, and data (collectively, the "Materials"), are owned by HEVN or our licensors and are protected by applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform solely for your internal business purposes in connection with the Services.

11. Third-Party Services and Links

Our Platform may contain links to or integrate with third-party websites, applications, or services. We do not control and are not responsible for the content, privacy practices, or terms of any third-party services. Your use of third-party services is at your own risk.

12. Electronic Communications

You agree to receive communications from us electronically, including notices, agreements, disclosures, and other communications delivered via email, in-app notifications, or through the Platform. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.

13. Modifications to Platform and Services

We reserve the right to modify, suspend, or discontinue features of the Platform or Services. For changes that materially affect your use of the Services, we will provide at least thirty (30) days' advance notice where practicable.

14. Term and Termination

Termination by You: You may terminate this Agreement at any time by closing your Account and discontinuing all use of the Services, subject to settling all outstanding obligations and fees. To close your Account, contact us at [email protected].

Termination by HEVN: We may terminate your Account with thirty (30) days' prior written notice. We may suspend or terminate your Account immediately where required by applicable law, in cases of suspected fraud, or breach of this Agreement.

Digital Assets Upon Termination: Your Digital Assets remain yours. Because HEVN does not hold private keys or custody Digital Assets, termination of your Account does not affect your ability to access Digital Assets held in your Non-Custodial Smart Contract Wallet directly on the blockchain.

15. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless HEVN and its parent companies, subsidiaries, affiliates, partners, officers, directors, employees, agents, contractors, and licensors from and against any and all claims, losses, liabilities, damages, costs, and expenses arising from or related to:

• Your use of or access to the Services
• Your breach of this Agreement or any representation or warranty herein
• Your violation of any applicable law or regulation
• Your violation of any third-party rights
• Any transaction or activity conducted through your Account, except to the extent directly caused by HEVN's gross negligence or willful misconduct

16. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HEVN DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

HEVN DOES NOT WARRANT THAT THE SERVICES, BLOCKCHAIN NETWORKS, CONVERSION PROVIDERS, OR BANKING PARTNERS WILL BE AVAILABLE ON AN UNINTERRUPTED, ERROR-FREE, OR SECURE BASIS.

DIGITAL ASSETS ARE NOT BANK DEPOSITS AND ARE NOT INSURED BY THE FDIC OR ANY GOVERNMENTAL AUTHORITY. HEVN DOES NOT PROVIDE DEPOSIT INSURANCE, CUSTODIAL INSURANCE, OR PROTECTION AGAINST LOSS.

17. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HEVN, ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES.

IF HEVN IS FOUND LIABLE, OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) US$5,000.

18. Mandatory Arbitration and Class Action Waiver

Arbitration Agreement: Any dispute, claim, or controversy arising from or relating to this Agreement or the Services shall be resolved through binding arbitration, rather than in court, except that either party may seek injunctive or equitable relief to protect intellectual property rights.

Arbitration shall be conducted before a single arbitrator of the American Arbitration Association ("AAA") in accordance with the AAA's Commercial Arbitration Rules. The arbitrator shall apply the substantive laws of the State of Delaware.

Class Action Waiver: You agree that any arbitration or legal proceeding shall be conducted solely on an individual basis. You waive any right to participate in a class action, class arbitration, or any other representative proceeding.

19. Force Majeure

HEVN shall not be liable for any delay or failure to perform its obligations under this Agreement if such delay or failure results from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, government actions, internet or infrastructure outages, cyberattacks, epidemics or pandemics, blockchain network disruptions, or any other event beyond our reasonable control.

20. General Provisions

Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.

Severability: If any provision of this Agreement is held to be unlawful, void, or unenforceable, such provision shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect.

No Waiver: No failure or delay by HEVN in exercising any right under this Agreement shall constitute a waiver of that right.

Assignment: You may not assign your rights or obligations under this Agreement without our prior written consent. HEVN may assign its rights and obligations without restriction.

Entire Agreement: This Agreement, together with our Privacy Policy and any other terms referenced herein, constitutes the entire agreement between you and HEVN with respect to the Services.

Precedence of Terms Over Smart Contract Code: In the event of any conflict between the terms of this Agreement and the behavior of any smart contract or software, the terms of this Agreement shall prevail.

21. Contact Information

If you have any questions about this Agreement or our Services, please contact us: