Terms and Conditions

CRYLO^® Client Agreement

This Client Agreement (“Agreement”) governs the relationship between CRYLO®, Inc. (“CRYLO,” “we,” “us,” or “our”), a digital wealth management firm powered by artificial intelligence (AI) and machine learning (ML), and you (“Client,” “you,” or “your”). By accessing or using CRYLO’s services, you agree to be bound by this Agreement. Please read it carefully.

1. Services provided

CRYLO® provides digital wealth management services for digital assets, including but not limited to cryptocurrencies, tokens, and other blockchain-based assets. Our AI-driven platform offers portfolio management, investment opportunities, and automated trading strategies. CRYLO® does not provide legal, tax, or financial advice. You are solely responsible for your investment decisions.

2. Eligibility

To use CRYLO’s services, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction).
• Comply with all applicable laws and regulations in your jurisdiction.
• Not be a resident of a jurisdiction where digital asset management is prohibited.

CRYLO® reserves the right to refuse service to anyone at its sole discretion.

3. Account registration and security

You must create an account to access CRYLO’s services. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain the security of your account credentials and notify CRYLO® immediately of any unauthorized access or breach.
• Be responsible for all activities conducted through your account.

CRYLO® employs advanced encryption and cybersecurity measures to protect your data, but you acknowledge that no system is entirely immune to risks.

4. Fees and payments

CRYLO® charges fees for its services as outlined in the Fee Schedule available on our website. Fees may include management fees, performance fees, and transaction costs. You authorize CRYLO® to deduct fees directly from your account. All fees are non-refundable unless otherwise stated.

5. Risk disclosure

Digital asset investments are inherently risky and subject to market volatility, regulatory changes, and technological risks. You acknowledge that:

• Past performance is not indicative of future results.
• You may lose some or all of your invested capital.
• CRYLO® does not guarantee profits or protection against losses.

6. Compliance and legal obligations

CRYLO® operates in compliance with applicable local laws, such as MiCa, SEC, MAS, and any other regulations where we operate, KYC and AML laws, and the Bank Secrecy Act. You agree to:

• Provide accurate identification documents for KYC (Know Your Customer) and AML (Anti-Money Laundering) purposes.
• Report and pay any taxes applicable to your investments.
• Not use CRYLO’s services for illegal activities, including money laundering or fraud.

7. Intellectual property

All content, algorithms, software, and technology provided by CRYLO® are protected by intellectual property laws. You may not copy, modify, or distribute any part of CRYLO’s platform without prior written consent.

8. Limitation of liability

To the fullest extent permitted by law, CRYLO® shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services. Our total liability to you shall not exceed the fees you paid to CRYLO® in the last 12 months.

9. Termination

Either party may terminate this Agreement at any time by providing written notice. Upon termination, CRYLO® will liquidate your portfolio and return remaining assets, minus any applicable fees, to your designated wallet or account.

10. Governing law and dispute resolution

This Agreement is governed by the laws of the state of Zurich, Switzerland. Any disputes shall be resolved through binding arbitration in accordance with the rules of the Swiss Arbitration Association.

11. Amendments

CRYLO® may update this Agreement at any time. Continued use of our services after changes constitutes acceptance of the revised terms.

By using CRYLO’s services, you acknowledge that you have read, understood, and agreed to this Client Agreement.

Effective Date: 24 March 2025

Contact information:

CRYLO Group GmbH

Hardstrasse 201

8005 Zürich

Switzerland

CRYLO^® Mobile Apps Terms of Use

Last Updated: 24 March 2025

By downloading, accessing, or using the CRYLO® mobile application ("App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you must not use the App. CRYLO® reserves the right to modify these Terms at any time, and your continued use constitutes acceptance of such changes.

1. Eligibility

The App is available to individuals aged 18 or older who can form legally binding contracts under applicable law. By using the App, you represent and warrant that you meet these eligibility requirements.

2. License to use

CRYLO® grants you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes, subject to these Terms. You may not copy, modify, distribute, or reverse-engineer any part of the App.

3. Account registration

To access certain features, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account. Notify CRYLO® immediately of any unauthorized use or security breaches.

4. AI-powered services

The App utilizes artificial intelligence (AI) and machine learning (ML) algorithms to provide digital wealth management services. While CRYLO® strives for accuracy, the App does not guarantee investment outcomes, and you assume all risks associated with your financial decisions.

5. Prohibited activities

You agree not to: (a) use the App for illegal or unauthorized purposes; (b) interfere with its operation or security; (c) transmit harmful code or malware; or (d) engage in any activity that violates applicable laws or regulations.

6. Intellectual property

All content, trademarks, and intellectual property within the App are owned by CRYLO® or its licensors. You may not use, reproduce, or distribute any content without prior written consent.

7. Privacy

Your use of the App is governed by CRYLO’s Privacy Policy, which outlines how we collect, use, and protect your data. By using the App, you consent to such practices.

8. Disclaimers and limitation of liability

The App is provided "as is" without warranties of any kind, either express or implied. CRYLO® disclaims liability for any damages arising from your use of the App, including but not limited to lost profits, data loss, or investment decisions.

9. Termination

CRYLO® may suspend or terminate your access to the App at any time, with or without cause, and without prior notice.

10. Governing law

These Terms are governed by the laws of Zurich, Switzerland, without regard to its conflict of laws principles. Any disputes shall be resolved exclusively in the courts of Zurich (ZH), Switzerland.

11. Contact information

For questions or concerns regarding these Terms, please contact CRYLO®.

By using the CRYLO® App, you acknowledge that you have read, understood, and agreed to these Terms of Use.