Terms of Service

These Terms of Service (“Terms”) govern access to and use of services provided by Vaulta Digital Assets Ltd, a company incorporated under the laws of the Republic of Ghana (“Vaulta”, “Company”, “we”, “us”, or “our”).

Vaulta operates strictly as a business-to-business (B2B) digital asset and treasury infrastructure provider. Vaulta does not provide services to retail or consumer users, does not offer anonymous services, and does not facilitate peer-to-peer activity.

These Terms apply to all corporate customers, counterparties, and authorised users (“Client”, “you”, or “your”). By accessing or using the services, you confirm that you have read, understood, and agreed to be bound by these Terms.

Vaulta provides institutional-grade infrastructure services, which may include:

• corporate treasury and settlement services;
• fiat and digital asset settlement orchestration;
• virtual account and payment collection facilitation through regulated third-party providers;
• digital asset conversion and settlement coordination;
• compliance-driven transaction processing and monitoring.

Vaulta does not operate as a retail bank, consumer wallet provider, or public custodian. Services may rely on regulated third-party financial institutions, payment service providers, and compliance technology providers.

All services are subject to successful onboarding, compliance approval, and ongoing monitoring.

Access to Vaulta’s services is strictly limited to:

• incorporated legal entities;
• institutional, commercial, or regulated counterparties;
• clients that successfully complete Vaulta’s KYB, KYC, and compliance review.

Vaulta reserves the right, at its sole discretion, to refuse onboarding, request additional documentation, or suspend or terminate services where compliance, regulatory, or risk concerns arise.

No contractual relationship is formed until onboarding is completed and confirmed in writing by Vaulta.

Vaulta operates in accordance with applicable laws and regulations, including but not limited to:

• the Anti-Money Laundering Act, 2020 (Act 1044) of Ghana;
• counter-terrorist financing and sanctions laws;
• applicable international standards, including FATF recommendations.

Clients acknowledge and agree that Vaulta conducts ongoing AML, CFT, sanctions, and risk monitoring and may delay, restrict, or reject transactions where required to meet legal or regulatory obligations.

Clients shall not use Vaulta’s services for:

• unlawful or fraudulent activities;
• money laundering or terrorist financing;
• sanctions-restricted activities or jurisdictions;
• consumer, retail, or anonymous use;
• high-risk activities without Vaulta’s prior written approval.

Vaulta retains absolute discretion to determine whether an activity is prohibited or restricted.

Fees are communicated separately through commercial agreements, pricing schedules, or invoices. All fees are exclusive of applicable taxes unless stated otherwise and are non-refundable unless expressly agreed in writing.

Vaulta may revise fees with reasonable notice.

Clients acknowledge that digital assets are subject to market, liquidity, and regulatory risks and that banking and payment rails are provided by third-party institutions.

Vaulta does not guarantee uninterrupted service and is not liable for disruptions caused by third-party providers or regulatory actions beyond its control.

To the maximum extent permitted by law:

• Vaulta shall not be liable for indirect, incidental, or consequential losses;
• Vaulta’s aggregate liability shall not exceed the fees paid by the Client in the twelve (12) months preceding the claim;
• Vaulta is not liable for acts or omissions of third-party service providers.

Vaulta may suspend or terminate services immediately where required by law, where compliance or financial crime risks arise, or where the Client breaches these Terms.

Termination does not affect accrued rights or obligations.

All non-public information exchanged in connection with the services shall be treated as confidential and shall not be disclosed except where required by law or regulatory obligation.

Any dispute, controversy, or claim arising out of or in connection with these Terms or the services (“Dispute”) shall be resolved as follows:

Good-Faith Negotiation. The parties shall first attempt to resolve the Dispute through good-faith negotiations.

Mediation. If the Dispute is not resolved within thirty (30) days of written notice, either party may refer the Dispute to mediation administered by a mutually agreed mediation body.

Arbitration. If the Dispute is not resolved through mediation within sixty (60) days, the Dispute may be finally resolved by arbitration conducted by a single arbitrator, seated in Accra, Ghana, in the English language, and governed by the laws of the Republic of Ghana.

Court Relief. Nothing in this clause prevents either party from seeking urgent injunctive or equitable relief from a court of competent jurisdiction.

These Terms are governed by the laws of the Republic of Ghana.

Vaulta may amend these Terms from time to time. Continued use of the services constitutes acceptance of the amended Terms.

Approved by the Board of Directors of Vaulta Digital Assets Ltd.