THESE TERMS OF USE (“TERMS”) ARE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND THE ENTITY RESPONSIBLE FOR OPERATING THE ONRAMP.MONEY PLATFORM (“ONRAMP.MONEY,” “WE,” “US,” OR “OUR”). BY ACCESSING OR USING ANY OF OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE SERVICES.
1. DEFINITIONS
1.1 Affiliates: Entities that directly or indirectly control, are controlled by, or are under common control with the entity operating the Onramp.Money platform.
1.2 Digital Assets (Cryptocurrency/Crypto): Any virtual currency, token, or other digital representation of value built using cryptographic and distributed ledger technologies, including those supported for conversion or exchange through our Services.
1.3 Fiat Currency: Any government-issued legal tender accepted as a medium of exchange, which can be used within our Services.
1.4 Services: The Onramp.Money platform, including the website, mobile application, APIs, and all features provided, which enable Digital Asset transactions, fiat-to-crypto and crypto-to-fiat conversions, swap functionalities, and related products such as gift card purchases.
1.5 User: You, any individual who accesses, uses, or registers for an account on the Services. This term also refers to a “Data Subject” as defined in our Privacy Policy.
1.6 Blockchain Network: A public or private decentralized digital ledger that records transactions across multiple computers. Digital Assets operate on these networks, which are outside our operational control.
1.7 Personal Data: Any information that identifies or could identify an individual, including but not limited to name, ID numbers, location data, online identifiers (IP address, device ID), or other personal characteristics.
1.8 Data Controller: The legal entity responsible for deciding how and why Personal Data is processed in connection with the Onramp.Money platform. References to “we,” “us,” or “our” in these Terms and Privacy Policy refer to this entity.
1.9 External Wallet: Any Digital Asset wallet or account outside the operational control of Onramp.Money, to which a User (you) may transfer Digital Assets purchased or converted through our Services.
2. ELIGIBILITY AND ACCOUNT REQUIREMENTS
2.1. ELIGIBILITY: You must have reached the age of legal majority and have the full capacity to enter into a contract under the laws of your jurisdiction to use the Services. You must not be a resident of any jurisdiction where use of the Services is prohibited by law or otherwise restricted.
2.2. USER REPRESENTATION: By opening an account, you represent and warrant that you are acting on your own behalf, and not for or on behalf of any third party.
2.3. IDENTITY VERIFICATION: You agree to complete all mandated identity verification procedures, including Know Your Customer (KYC) and Anti-Money Laundering (AML) checks, as required by applicable law and our internal policies. This includes, but is not limited to, the collection and processing of your Personal Data as outlined in our Privacy Policy, including official documentation and, where necessary, biometric data for verification purposes. We reserve the right to refuse to open, suspend, or terminate an account if we are unable to verify your identity or if the provided information is deemed incomplete, inaccurate, or false.
2.4. ACCOUNT SECURITY: You are solely responsible for maintaining the confidentiality of your account credentials. You agree to notify Onramp.Money immediately of any unauthorized use or security breach of your account. We are not liable for any loss or damage arising from your failure to comply with this section.
2.5. SANCTIONS AND PROHIBITED JURISDICTIONS: You represent and warrant that you are not on any trade or economic sanctions list, such as the UN Security Council Sanctions List, the US Treasury Department's Office of Foreign Assets Control (OFAC) list, or any list maintained by the European Union or any other relevant jurisdiction. We reserve the absolute right to restrict or refuse access to the Services to any individual or entity based in, or ordinarily resident in, any jurisdiction subject to comprehensive sanctions or deemed high-risk by relevant regulatory bodies.
2.6. CORPORATE / INSTITUTIONAL USERS: If you are accessing or using the Services on behalf of a legal entity, you represent and warrant that you possess all necessary authority to bind that entity to these Terms. You further agree to provide all required corporate documentation for enhanced due diligence (EDD) as requested by us.
2.7. ACCURACY OF INFORMATION: You warrant that all information you provide to Onramp.Money, including during the account opening and verification process, is true, accurate, current, and complete. You agree to promptly update your information in the event of any changes.
3. SERVICES AND OPERATION
3.1. PROVISION OF SERVICES: Onramp.Money provides a technology platform that facilitates the execution of Digital Asset transactions, including the conversion between Fiat Currency and Digital Assets, and between different Digital Assets. We are a facilitator and not a counterparty to all transactions, nor are we a financial institution, bank,, or investment advisor.
3.2. CRYPTO FUNCTIONALITY AND RISKS: You acknowledge and agree that we have no control over, and are not responsible for, the operation of any underlying decentralized network. You accept the risk that Digital Assets may fail, malfunction, or be inaccessible due to issues with the underlying network.
3.3. TRANSACTION EXECUTION AND ORDER FINALITY: You agree that all transactions executed through the Services are final and irreversible once submitted. You acknowledge that all prices for Digital Assets are highly volatile and subject to rapid change, and the displayed quote is merely indicative.
3.4. FEES: You agree to pay all fees associated with your use of the Services. Fees are calculated dynamically and specific to each transaction based on factors including, but not limited to, the Digital Asset selected, the liquidity provider costs, the network congestion, and the Service utilized. You acknowledge and agree that the exact fee amount will be presented to you as part of the total transaction cost during the execution process, and the final rate confirmed upon submission incorporates all applicable fees. We reserve the right to adjust the calculation methods for these dynamic fees at any time with prior notice.
3.5. FUND TRANSFERS: Transfers of Digital Assets or Fiat Currency may be subject to delays due to bank processing times, blockchain network congestion, or compliance requirements. We are not responsible for delays caused by external factors.
3.6. SUPPORTED ASSETS: We reserve the right to delist, suspend trading, or remove support for any Digital Asset at any time and for any reason, particularly those that pose heightened legal, regulatory, or technical risks. We will provide notice where feasible, but in cases of emergency (e.g., major network security vulnerability or regulatory action), such action may be taken without prior notice.
3.7. USER ERROR AND EXTERNAL WALLET RESPONSIBILITY: You are solely responsible for ensuring the accuracy of all information provided when initiating a transaction, including the Digital Asset type, amount, and the destination address for an External Wallet. Due to the irreversible nature of Digital Asset transfers, we are not liable for any loss, damage, or failed transfer resulting from an incorrect, invalid, or obsolete wallet address provided by you.
3.8. PROHIBITED PRACTICES: You must not engage in fraudulent, deceptive, or manipulative activities on the platform, including misusing accounts, falsifying information, or exploiting promotions. Accounts found violating these rules may be suspended or terminated, and suspicious activity may be reported to authorities.
3.9. SERVICE INTERUPTIONS: We do not guarantee uninterrupted access to the Services. Access may be temporarily limited or unavailable due to scheduled maintenance, upgrades, unforeseen technical issues, force majeure events, or regulatory action. We shall not be liable for any losses suffered by you resulting from temporary suspension or interruption of the Services.
4. RISKS AND DISCLAIMER
4.1. NO FINANCIAL ADVICE: Onramp.Money does not provide investment, financial, tax, or legal advice. The Services are purely technological platforms. Any information provided on the platform or through customer support is for informational purposes only. You are solely responsible for determining whether any transaction is appropriate for you.
4.2. ASSUMPTION OF RISK: The trading and holding of Digital Assets is highly risky. The price of Digital Assets is volatile and subject to wide fluctuations. By using the Services, you acknowledge and accept that you are solely responsible for all risks associated with your transactions, including, but not limited to, the risk of total loss.
4.3. NO WARRANTY: THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
5. USER OBLIGATIONS AND PROHIBITED CONDUCT
5.1. COMPLIANCE WITH LAW: You agree to comply with all applicable local, regional, and international laws and regulations, including, but not limited to, all tax laws, and all applicable KYC/AML and financial crime regulations.
5.2. PROHIBITED USE: You must not use the Services for any unlawful purpose, including, but not limited to, fraud, illegal gambling, terrorist financing, or any other activity prohibited by our internal policies or relevant legal jurisdiction.
5.3. SOURCE OF FUNDS: You represent and warrant that any Fiat Currency or Digital Assets used on our platform are legally obtained and do not originate from illegal activities.
6. INTELLECTUAL PROPERTY
6.1 OWNERSHIP: All intellectual property rights, including copyrights, trademarks, patents, and trade secrets in the Services (including the website, mobile app, and underlying technology) are owned by Onramp.Money.
6.2 USE OF SERVICES: You are granted a personal, non-exclusive, and revocable right to access and use the Services solely for lawful, non-commercial purposes. This ensures you can use the platform as intended while protecting our proprietary technology, content, and brand from unauthorized commercial exploitation or redistribution.
7. LIMITATION OF LIABILITY AND INDEMNIFICATION
7.1. LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ONRAMP.MONEY, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL, OR SIMILAR DAMAGES OR LIABILITIES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF DATA, INFORMATION, REVENUE, PROFITS, OR OTHER BUSINESS OR FINANCIAL GAIN) ARISING OUT OF OR IN CONNECTION WITH THE SERVICES OR THESE TERMS.
7.2. MAXIMUM LIABILITY: IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF ONRAMP.MONEY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES EXCEED THE GREATER OF: (A) THE FEES PAID BY YOU TO ONRAMP.MONEY DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
7.3. INDEMNIFICATION: You agree to indemnify, defend, and hold harmless Onramp.Money, its Affiliates, and their respective officers, directors, and employees from and against any and all claims, demands, actions, damages, losses, costs, or expenses, including reasonable legal fees, arising out of or relating to
- your breach of these Terms;
- your violation of any law or the rights of any third party; or
- your improper, negligent, or unauthorized use of the Services.
8. TERMINATION AND SUSPENSION
We may, in our sole discretion and without liability, suspend or terminate your access to all or part of the Services, including freezing or closing your account, at any time, for any reason, including but not limited to:
- attempts to gain unauthorized access to the Services;
- actual or suspected violations of these Terms or applicable laws (including AML/KYC);
- a requirement from law enforcement or a regulatory authority;
- unexpected technical or security issues; or
- use of the Services for any unlawful purpose.
9. GOVERNING LAW AND DISPUTE RESOLUTION
9.1. GOVERNING LAW: These Terms and any disputes arising out of or related thereto shall be governed in accordance with the substantive laws of the country in which the services are offered.
9.2. INFORMAL DISPUTE RESOLUTION: The parties agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms through good faith negotiations before resorting to formal resolution methods.
9.3. ARBITRATION: Any dispute which cannot be resolved by informal negotiation shall be finally settled by binding arbitration in accordance with the rules of the Singapore International Arbitration Centre (SIAC)]. The seat of arbitration shall be Singapore. The language of the arbitration shall be English.
10. MISCELLANEOUS
10.1. AMENDMENTS: We reserve the right to amend or modify these Terms at any time by posting the revised Terms on the platform and updating the "Effective Date." Your continued use of the Services after the Effective Date of the revised Terms constitutes your acceptance of the changes.
10.2. FORCE MAJEURE: We shall not be liable for any failure or delay in the performance of our obligations under these Terms if such failure or delay is due to circumstances beyond our reasonable control, including acts of God, war, terrorism, government order, industrial action, power failure, or decentralized network failure (blockchain outages).
10.3. SEVERABILITY: If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
10.4. ASSIGNMENT: You may not assign or transfer any of your rights or obligations under these Terms. We may assign or transfer our rights and obligations, including to an Affiliate or successor in interest, without restriction.
10.5. CONTACT INFORMATION: For any questions regarding these Terms, please contact our Compliance Team via email at [email protected].