1. INTRODUCTION AND ACCEPTANCE

These Terms of Use ("Terms") govern your access to and use of the services, website, and mobile applications provided by Telcoin, Inc., doing business as Telcoin Digital Asset Bank ("TDAB," "we," "us," or "our"), a digital asset depository institution chartered under the laws of the State of Nebraska.

BY ACCESSING OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICES.

These Terms incorporate by reference our Privacy Policy and, for customers who open accounts with TDAB, the Telcoin Digital Asset Bank Customer Agreement. In the event of any conflict between these Terms and the Customer Agreement, the Customer Agreement shall control with respect to customer accounts and related services.

2. DEFINITIONS

"eUSD" or "Stablecoin" means the digital assets issued and managed by TDAB that are pegged 1:1 to a fiat currency.

"Type A User" means a customer who has opened a TDAB customer account and completed our onboarding process, including KYC/AML verification.

"Type B User" means an individual or entity that holds or transacts in eUSD but has not opened a TDAB customer account.

"Services" means all products, services, features, content, applications, and websites offered by TDAB including, without limitation, those related to eUSD.

"Digital Asset Wallet" means a blockchain address or smart contract facilitating the custody and transacting of digital assets.

"Platform" means the Telcoin website and mobile applications collectively.

"Business Day" means any day other than Saturday, Sunday, or a day on which FDIC-insured banks are authorized or required to close.

3. SERVICES OVERVIEW

3.1 TDAB Services

TDAB operates as a Nebraska-chartered digital asset depository institution and provides the following services:

Issuance and Management of Stablecoins: TDAB issues and manages stablecoins (such as eUSD) that are backed 1:1 by US dollars held in reserve at FDIC-insured financial institutions.
Digital Asset Custody: For Type A Users, TDAB provides segregated digital asset wallets for the secure storage of eUSD and approved digital assets.
Transaction Services: TDAB facilitates the sending and receiving of eUSD between users and third parties.
Redemption Services: TDAB, through third-party FDIC-insured banks, facilitates the redemption of eUSD for US dollars or other fiat currencies.

3.2 Affiliate Services

Through our affiliates, TDAB may provide access to additional services including:

International remittance services (Telcoin Remittances)
Digital asset wallet functionality for non-TDAB assets
Access to third-party decentralized exchange platforms
Staking and referral programs

These affiliate services are provided by separate legal entities and are governed by their own terms and conditions in addition to these Terms.

3.3 Service Modifications

TDAB reserves the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice, for any reason.

4. ELIGIBILITY AND ACCOUNT REGISTRATION

4.1 General Eligibility

To use the Services, you must:

Be at least 18 years old
Have legal capacity to enter into binding contracts
Be a resident of the United States
Be a resident of a jurisdiction where TDAB is authorized to provide services
Comply with all applicable laws and regulations
Not be subject to economic or trade sanctions
Not be located in a country subject to U.S. Government embargo or designated as a "terrorist supporting" country
Not be listed on any U.S. Government list of prohibited or restricted parties

4.2 Type A User Requirements

To become a Type A User and open a TDAB customer account, you must:

Complete our customer onboarding process
Provide accurate and complete KYC/AML information
Pass identity verification procedures
Accept the Telcoin Digital Asset Bank Customer Agreement
Maintain a valid email address and contact information
Comply with all applicable laws regarding digital asset transactions

4.3 Type B Users

Type B Users may hold and transact in eUSD without opening a TDAB account but are subject to the following:

Type B Users cannot directly receive or redeem eUSD with TDAB
Type B Users assume all risks associated with holding eUSD
Type B Users must comply with all applicable laws regarding digital asset transactions
TDAB may block transactions to or from addresses associated with illegal activity
Type B Users who wish to redeem eUSD for fiat currency must become Type A Users

4.4 Prohibited Users

The following persons and entities may not use the Services:

Politically exposed persons
Non-resident aliens (unless specifically authorized)
Shell banks or unlicensed financial institutions
Entities or individuals subject to sanctions
Persons or entities engaged in illegal activities
Marijuana-related businesses
Unlicensed money service businesses
Online gambling operations
Persons who have been subject to a regulatory sanction or are currently under regulatory inquiry
Persons who have been previously suspended or prohibited from using the Platform

5. USER OBLIGATIONS

5.1 Accurate Information

You agree to:

Provide true, accurate, current, and complete information
Maintain and promptly update your information
Notify TDAB immediately of any unauthorized use of your account
Not impersonate any other person or entity
Not use a name you are not authorized to use

5.2 Account Security and Responsibility

You are responsible for:

Maintaining the confidentiality of your login credentials
All activities that occur under your account
Implementing appropriate security measures for your devices
Safeguarding any private keys associated with your digital asset wallet
Logging out at the end of each session
Not logging in using anyone else's account

IMPORTANT: TDAB will never ask you to share your password or private keys except as required to login to our Platform. Loss or compromise of your credentials may result in permanent loss of access to your account and assets.

5.3 Prohibited Activities

You may not:

Use the Services for any illegal purpose
Violate any applicable laws or regulations
Engage in money laundering, terrorist financing, or fraud
Manipulate markets or engage in abusive trading practices
Interfere with or disrupt the Services
Attempt to gain unauthorized access to TDAB systems
Use the Services on behalf of third parties without authorization
Engage in any activity that could damage TDAB's reputation
Reverse engineer or attempt to extract source code from our systems
Use automated systems to access the Services without permission
Reformat or frame any portion of our Platform
Use any device, software, or procedure that interferes with normal operation
Impose unreasonable loads on our infrastructure
Disassemble, decompile, or reverse engineer any portion of the Platform
Disrupt or interfere with networks or servers we use
Impersonate any person or entity
Collect or store personal information about other users without authorization
Create false identities on our Platform
Access the Platform for benchmarking or competitive purposes without written approval
Copy our Platform except as expressly permitted
Use the Platform in a service bureau or time-sharing environment
Sell, assign, transfer, sublicense, or share your rights under these Terms
Create derivative works based on our Platform
Modify, obscure, or remove proprietary notices
Make untrue, malicious, or damaging comments about our operations in any media or forum
Use abusive or offensive language toward our personnel or on our Platform

6. eUSD STABLECOINS

6.1 Nature of eUSD

eUSD stablecoins are digital assets issued by TDAB that:

Are pegged 1:1 to the U.S. dollar fiat currency
Are backed by unencumbered liquid assets held in reserve
Operate on public blockchain networks (e.g. Ethereum and Polygon)
Are redeemable for fiat currency by Type A Users
May be transferred between blockchain addresses

6.2 Minting and Burning

For Type A Users:

TDAB will mint eUSD when you deposit fiat currency into your account
TDAB will burn eUSD when you redeem them for fiat currency
The minting and burning process typically occurs within one business day

For Type B Users:

Type B Users can only acquire eUSD through transfers from other users or exchanges
Type B Users cannot directly mint or burn eUSD with TDAB
To redeem eUSD for fiat, Type B Users must become Type A Users

6.3 Transfers

eUSD can be transferred between any blockchain addresses on supported networks
Transfers to blocked addresses may result in frozen funds
TDAB is not responsible for eUSD sent to incorrect or incompatible addresses
All transfers are subject to blockchain network confirmation

6.4 Reserve Requirements

TDAB maintains reserves equal to or greater than 100% of outstanding eUSD, consisting of:

US dollars for eUSD held at FDIC-insured financial institutions
Highly liquid US Treasury securities or federal agency obligations
Other assets as permitted by Nebraska law

6.5 Blockchain Migration

TDAB reserves the right to migrate eUSD to different blockchain networks. Users agree to cooperate with any such migration. Failure to migrate may result in loss of compatibility with TDAB systems.

7. FEES AND CHARGES

7.1 Fee Schedule

Current fees are as follows:

Minting eUSD: No fee for Type A Users
Transferring eUSD: No TDAB fee (blockchain network fees may apply)
Redeeming eUSD: $10 flat fee per redemption to third-party institutions
Account maintenance: No monthly fee for Type A Users

7.2 Fee Changes

TDAB may modify its fee schedule at any time by:

Posting updated fees on our website
Providing notice through the mobile application
Sending email notification to Type A Users

Continued use of the Services after fee changes constitutes acceptance of the new fees.

7.3 Third-Party Fees

You are responsible for:

Blockchain network transaction fees ("gas fees")
Fees charged by third-party financial institutions
Fees charged by cryptocurrency exchanges
Any other fees imposed by third parties

8. RISKS AND DISCLAIMERS

8.1 Digital Asset Risks

You acknowledge and accept the following risks:

Not Legal Tender: Digital assets are not legal tender, are not backed by any government, and have no underlying revenue stream.
Volatility: The value of digital assets can be highly volatile and may result in significant loss over short periods. There is no guarantee that the value of digital asset stablecoins will be maintained at 1 for 1 even though they are designed to.
No Insurance: Although some or all of the reserve assets are maintained in FDIC insured banks, the digital assets held with TDAB are not directly insured by the FDIC, SIPC, or any other governmental or non-governmental guarantor and there is no guarantee that any FDIC insurance provided will be sufficient to cover the number and amount of the digital assets issued.
Regulatory Risk: Changes in laws or regulations may adversely affect the use, value, or legality of digital assets.
Technology Risk: Blockchain technology is relatively new and may contain unforeseen vulnerabilities. Advances in cryptography or quantum computing could compromise security.
Cybersecurity Risk: Digital assets may be subject to hacking, theft, or other cyberattacks that could result in total loss.
Irreversibility: Digital asset transactions are generally irreversible and cannot be cancelled once confirmed on the blockchain.
Blockchain Risk: TDAB does not control the underlying blockchain networks. Transactions may fail, be delayed, or be affected by network forks or other protocol changes.

8.2 Stablecoin-Specific Risks

For eUSD stablecoins specifically:

While backed 1:1 by fiat reserves, there is no guarantee that eUSD will always maintain its peg
Market conditions may affect the ability to quickly redeem large amounts of eUSD
Reserves are held at third-party institutions, introducing counterparty risk
TDAB cannot guarantee instant redemption in all circumstances

8.3 Type B User Additional Risks

Type B Users face additional risks:

Inability to directly redeem eUSD with TDAB without becoming Type A Users
Dependence on third-party exchanges or individuals for redemption
Potential difficulties in liquidating eUSD positions
Potential lack of liquidity and acceptance of the eUSD in the general marketplace
Limited recourse in case of disputes or fraud

9. IMPORTANT NOTICES

9.1 No Investment Advice

TDAB does not provide investment, financial, tax, or legal advice. Nothing in these Terms or the Services should be construed as such. You should consult your own advisors before making any financial decisions.

9.2 High-Risk Investment Warning

Digital assets are high-risk assets. You should not purchase digital assets unless you consider the following:

You could lose all funds
Although the eUSD through TDAB are regulated by the Nebraska Department of Banking and Finance, the digital asset market is largely unregulated
You should not expect protection if something goes wrong
Digital asset investments can be complex
Diversification is important to manage risk

9. NO FDIC PROTECTION

TDAB customer accounts and digital assets held with TDAB are NOT protected by the FDIC, SIPC, or similar programs. While the US dollar reserves backing eUSD are held at FDIC-insured institutions, the digital asset accounts themselves do not carry FDIC insurance.

10. COMPLIANCE AND REGULATORY MATTERS

10.1 AML/KYC Procedures

TDAB maintains comprehensive anti-money laundering (AML) and know-your-customer (KYC) procedures. You agree to:

Provide all requested documentation for identity verification
Permit TDAB to conduct background checks and ongoing monitoring
Update your information when changes occur
Cooperate with any investigations or audits

10.2 Suspicious Activity

TDAB monitors for suspicious activity and will:

Investigate unusual transactions
File Suspicious Activity Reports (SARs) as required by law
Freeze accounts, tokens and/or transactions if suspicious activity is detected or suspected
Cooperate fully with law enforcement

10.3 Sanctions Compliance

TDAB complies with all applicable economic sanctions programs, including OFAC sanctions. TDAB will:

Screen all users and transactions against sanctions lists
Work to block transactions involving sanctioned parties
Freeze accounts, tokens or transactions if sanctions violations are suspected
Report sanctions violations to appropriate authorities

10.4 Blocked Addresses

TDAB maintains a list of blocked blockchain addresses associated with:

Sanctioned entities or individuals
Illicit activities
Violations of these Terms
Legal or regulatory orders

Transactions involving blocked addresses may result in:

Frozen funds
Account termination
Reporting to law enforcement
Forfeiture of funds

10.5 Tax Obligations

You are solely responsible for:

Determining your tax obligations
Reporting and paying all applicable taxes
Maintaining records for tax purposes

TDAB may report certain transactions to tax authorities as required by law.

11. INTELLECTUAL PROPERTY

11.1 TDAB Ownership

All intellectual property rights in the Services, including software, content, trademarks, and trade dress, are owned by TDAB or its licensors. This includes:

The "Telcoin Digital Asset Bank" name and logo
Website and application designs
Source code and algorithms
Documentation and user guides

11.2 Limited License

TDAB grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for their intended purposes of using, transmitting and storing eUSD.. You may not:

Copy, modify, or create derivative works
Reverse engineer or decompile any systems
Remove or alter proprietary notices
Use TDAB trademarks without permission
Frame or mirror any part of the Services

11.3 User Feedback

If you provide information or feedback, suggestions, or ideas to TDAB, you grant TDAB an unrestricted, perpetual, royalty-free license to use, modify, and commercialize such feedback without compensation or attribution to you.

12. PRIVACY AND DATA PROTECTION

12.1 Privacy Policy

TDAB's collection and use of personal information is governed by its Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to TDAB's privacy practices.

12.2 Data Sharing

TDAB may share your information with:

Affiliate entities for operational purposes
Third-party service providers
Regulatory authorities and law enforcement
Third-party financial institutions for transaction processing

12.3 Communications

By using the Services, you consent to receive communications from TDAB via:

Email
SMS/text messages
Push notifications through mobile applications
Posted notices on our website or application

You may opt out of marketing communications but cannot opt out of transactional or legal notices.

12.4 Tracking Technologies

By using the Platform, you agree that TDAB is permitted to record your actions on its website and applications. You acknowledge and agree that TDAB may use services provided by third parties to generate, store, access, review, and otherwise use such recordings.

13. LIMITATION OF LIABILITY

13.1 Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TDAB DOES NOT WARRANT THAT:

The Services will be uninterrupted, timely, secure, or error-free
Defects will be corrected
The Services are free from viruses or harmful components
Results obtained from the Services will be accurate or reliable

YOU ACKNOWLEDGE THAT THE SERVICES OR PLATFORM MAY NOT BE AVAILABLE DUE TO ANY NUMBER OF FACTORS INCLUDING, BUT NOT LIMITED TO, PERIODIC SYSTEM MAINTENANCE, SCHEDULED OR UNSCHEDULED, ACTS OF GOD, UNAUTHORIZED ACCESS, VIRUSES, DENIAL OF SERVICE OR OTHER ATTACKS, TECHNICAL FAILURE OF THE PLATFORM AND/OR TELECOMMUNICATIONS INFRASTRUCTURE OR DISRUPTION.

TDAB DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES AGAINST THE POSSIBILITY OF DELETION, MISDELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS OR OTHER DATA.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM TDAB SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

13.2 Use at Your Sole Risk

YOUR ACCESS TO AND USE OF THE PLATFORM IS AT YOUR SOLE OPTION, DISCRETION AND RISK. TDAB SHALL NOT BE LIABLE FOR ANY MALFUNCTIONS, BUGS OR VIRUSES RESULTING IN LOST DATA OR ANY OTHER DAMAGE TO YOUR COMPUTER EQUIPMENT, MOBILE PHONE OR MOBILE DEVICE OR SOFTWARE.

TDAB IS NOT REQUIRED TO PROVIDE REDUNDANT OR BACKUP NETWORKS AND/OR SYSTEMS.

13.3 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TDAB SHALL NOT BE LIABLE FOR:

Any indirect, incidental, special, consequential, or punitive damages
Loss of profits, revenues, data, or use
Business interruption
Loss of digital assets due to user error, theft, or hacking
Losses resulting from blockchain network failures
Losses due to third-party service provider failures
Lost profits, loss of use, lost or inaccurate data, or failure of security mechanisms

13.4 Maximum Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TDAB'S TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF:

The fees you paid to TDAB in the six months preceding the event giving rise to liability; or
$100

13.5 Limitations Apply Regardless of Theory

These limitations apply regardless of the legal theory on which claims are based, including:

Breach of contract
Breach of warranty
Negligence
Strict liability
Any other tort

13.6 Essential Purpose

You acknowledge that these limitations are essential elements of the agreement between you and TDAB, and that TDAB would not provide the Services without these limitations.

13.7 Exceptions

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, TDAB's liability is limited to the maximum extent permitted by law.

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless TDAB and its affiliates, officers, directors, employees, agents, and service providers from any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:

Your use or misuse of the Services
Your violation of these Terms
Your violation of any law or regulation
Your violation of any third-party rights
Your negligence or willful misconduct
Any content or information you provide
Disputes between you and other users

TDAB reserves the right to assume exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with TDAB's defense of such claims.

15. DISPUTE RESOLUTION

15.1 Informal Resolution

Before initiating formal dispute resolution, you agree to contact TDAB at support@telco.in to seek informal resolution of any dispute. TDAB will respond to complaints within two business days and provide full responses within ten business days.

If your complaint is not resolved informally, you may contact the Nebraska Department of Banking and Finance at 402.471.2171.

15.2 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

You and TDAB agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration rather than in court, except that:

Either party may seek equitable relief in court for intellectual property infringement
Either party may seek relief in small claims court
Disputes related to theft, piracy, invasion of privacy, or unauthorized use
Claims for injunctive relief

15.3 Arbitration Procedures

Arbitration shall be conducted in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA), as modified by these Terms. Key provisions include:

One arbitrator shall be selected by mutual agreement or through AAA procedures
Arbitration shall take place in Nebraska or remotely by mutual agreement
The arbitrator may award any relief available in court
The arbitrator's decision is final and binding
Judgment on the award may be entered in any court with jurisdiction
This Agreement to Arbitrate is governed by the Federal Arbitration Act, 9 U.S.C. 1-16 ("FAA")

For claims where the total amount sought is $10,000 or less:

The arbitration shall be conducted solely based on telephone or online appearances and/or written submissions
The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed

For claims exceeding $10,000, the right to a hearing will be determined by the AAA rules.

15.4 Waiver of Jury Trial

YOU AND TDAB WAIVE ANY RIGHT TO TRIAL BY JURY.

15.5 Class Action Waiver

YOU AND TDAB AGREE THAT DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. Neither you nor TDAB may bring claims as a plaintiff or class member in any class, consolidated, or representative proceeding.

THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF MULTIPLE PARTIES. ANY ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS. CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED.

This waiver does not prevent you from participating in a class-wide settlement of claims.

15.6 Batch Arbitration

If 100 or more similar arbitration demands are filed, they may be resolved through batch arbitration procedures designed to efficiently resolve large numbers of disputes.

15.7 Arbitrator Authority and Limitations

The arbitrator is bound by the terms of this Agreement to Arbitrate. In any arbitration proceeding:

No depositions will be taken
Discovery will be limited to what the arbitrator determines necessary
There shall be no punitive, exemplary, incidental, consequential, or other special damages
The parties will conduct the arbitration confidentially and expeditiously
The parties will pay their own costs and expenses of arbitration, including their own attorney fees, unless the arbitrator determines otherwise
The proceeding and the decision shall be kept confidential by the parties
All challenges to the validity and applicability of this Agreement to Arbitrate shall be determined by the arbitrator.

15.8 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to TDAB at 2200 Taylor Avenue, Suite 200, Norfolk, Nebraska 68701 within 45 days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement.

15.9 Venue for Litigation

IF THE AGREEMENT TO ARBITRATE IS FOUND UNENFORCEABLE OR DOES NOT APPLY, OR IF YOU OPT OUT, THEN PROCEEDINGS MUST BE BROUGHT EXCLUSIVELY IN THE COURTS OF THE STATE OF NEBRASKA OR THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEBRASKA, AS APPROPRIATE.

You agree to submit to the personal jurisdiction of these courts, waive your right to a jury trial, waive your right to initiate or participate in a class or collective action, and agree to remain bound by any limitations of liability and damages included in this agreement.

15.10 Prevailing Party

In any arbitration proceeding or litigation between you and TDAB in connection with these Terms or the Services, the prevailing party will be entitled to recover its reasonable attorneys' fees and costs from the other party.

15.11 Governing Law

These Terms are governed by the laws of the State of Nebraska, without regard to conflict of laws principles, except where federal law mandatorily applies.

15.12 Statute of Limitations

Any claim arising under these Terms must be filed within one (1) year after the cause of action accrues. Otherwise, such claim is permanently barred.

16. ACCOUNT TERMINATION AND SUSPENSION

16.1 Termination by User

Type A Users may close their accounts at any time by:

Redeeming all eUSD balances
Withdrawing all funds
Following account closure procedures in the application
Contacting customer support

You remain liable for all obligations related to your account even after closure.

16.2 Termination by TDAB

TDAB may suspend or terminate your access to the Services at any time, with or without cause or notice, including but not limited to:

Violation of these Terms or the Customer Agreement
Suspected illegal activity or fraud
Failure to complete KYC/AML verification
Risk to TDAB or other users
Legal or regulatory requirements
Extended periods of inactivity

16.3 Effects of Termination

Upon termination:

Your license to use the Services immediately ends
You must cease all use of the Services
TDAB will initiate redemption procedures for Type A Users
You remain liable for all prior obligations
Provisions that by their nature should survive shall survive

16.4 No Liability for Termination

TDAB shall not be liable for any damages, losses, or expenses resulting from account suspension or termination.

17. DORMANCY AND ESCHEATMENT

17.1 Dormant Accounts

An account is considered dormant if no transactions or logins occur for 12 consecutive months. TDAB will attempt to contact you using information on file.

17.2 Escheatment

If an account remains dormant for 3 years, funds may be transferred to the State of Nebraska or other applicable jurisdiction in accordance with escheatment laws.

18. FORCE MAJEURE

TDAB shall not be liable for any failure or delay in performing obligations under these Terms due to circumstances beyond its reasonable control, including:

Natural disasters
War, terrorism, or civil unrest
Government actions or regulations
Internet or blockchain network failures
Strikes or labor disputes
Pandemics or public health emergencies
Failure of third-party service providers

19. BLOCKCHAIN-SPECIFIC PROVISIONS

19.1 Blockchain Network Specifications

Ethereum Network:

Smart contract protocol version: as specified on TDAB's website and updated from time to time
Settlement finality: transactions are considered final after the required network confirmations

Polygon Network:

Network confirmations required for finality: as specified on TDAB's website
Bridge transactions: may require additional confirmation time
Settlement finality: subject to the Polygon network's consensus mechanism

19.2 Transaction Cut-Off Times

TDAB maintains specific cut-off times for processing transactions:

Daily Processing Cut-Off: 4:00 PM Central Time on Business Days
Same-Day Processing: transactions received before the cut-off time will be processed the same Business Day
After-Hours Processing: transactions received after the cut-off time will be processed on the next Business Day
Weekend/Holiday Processing: transactions submitted on weekends or holidays will be processed on the next Business Day

19.3 Settlement Finality

For eUSD Transactions:

Minting is considered final after blockchain confirmation and internal ledger reconciliation
Burning is considered final after eUSD destruction is confirmed on-chain
Redemptions are considered complete when USD is transferred to your designated account
All settlements are subject to successful completion of compliance checks

For Blockchain Transfers:

Transfers are considered delivered after the required network confirmations
TDAB is not responsible for delays in blockchain network confirmation
Users acknowledge that network congestion may impact settlement timing

19.4 Mistakes and Transaction Errors

You acknowledge and accept that:

Blockchain transactions are generally irreversible

TDAB is not liable for losses arising from user errors, including:

Sending assets to incorrect addresses
Entering wrong transaction amounts
Failing to include required transaction data
Using incompatible wallet addresses
TDAB may, in its sole discretion, attempt to assist with error recovery but has no obligation to do so
Any assistance with error recovery does not constitute a waiver of this provision

UNDER NO CIRCUMSTANCES WILL TDAB BE RESPONSIBLE FOR ANY LOSS, DAMAGE OR LIABILITY ARISING OUT OF ANY MISTAKES OR OTHER ERRORS MADE BY YOU AS A RESULT OF YOUR ACCESS TO OR USE OF THE PLATFORM.

20. GENERAL PROVISIONS

20.1 Entire Agreement

These Terms, together with the Customer Agreement (for Type A Users) and Privacy Policy, constitute the entire agreement between you and TDAB regarding the Services.

20.2 Amendments

TDAB may modify these Terms at any time by:

Posting updated Terms on its website
Providing notice through the mobile application
Sending email notification

Your continued use of the Services after changes become effective constitutes acceptance. Material changes may require your affirmative consent.

20.3 Conflicts

In the event of any conflict between these Terms and any other agreements, these Terms shall control with respect to any conflicts relating to your access or use of the Platform.

20.4 Electronic Communications and Recordkeeping

Electronic Signature Agreement:

By using the Services, you agree that:

Electronic signatures have the same legal effect as physical signatures
All agreements, notices, and communications in electronic form satisfy legal requirements for writing
You consent to receive all communications electronically
Electronic records of transactions are admissible as evidence

Printed Records:

A printed version of these Terms and any notice given in electronic form shall be admissible in judicial or administrative proceedings to the same extent and subject to the same conditions as other business documents originally generated in printed form.

Hardware and Software Requirements:

To access electronic communications, you need:

A device with internet connection
A valid email address on file with TDAB
Sufficient storage to save communications or a printer
Current browser with 128-bit encryption

20.5 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

20.6 Waiver

TDAB's failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. No waiver shall be deemed a further or continuing waiver of such term or any other term.

20.7 Prevailing Party and Attorney Fees

20.8 Assignment

You may not assign or transfer these Terms or your account without TDAB's prior written consent. Any such assignment in violation of this prohibition is null and void. TDAB may assign these Terms to any affiliate or successor entity without notice. In the event of acquisition or merger, TDAB reserves the right to transfer or assign this Agreement and any information collected from you.

20.9 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as expressly stated.

20.10 Relationship of Parties

These Terms do not create any partnership, joint venture, employment, or agency relationship between you and TDAB. You are an independent party and not an agent, partner, or employee of TDAB.

20.11 Electronic Signatures

You agree that electronic signatures, contracts, orders, and records have the same legal effect as if they were in writing.

20.12 Language

Any translation of these Terms is provided for convenience only. The English version shall control in case of any inconsistency.

20.13 Headings

Section headings are for convenience only and do not affect interpretation of these Terms.

20.14 Admissibility

A printed version of these Terms and any electronically provided notice shall be admissible in judicial or administrative proceedings to the same extent as other business documents originally generated in printed form.

20.15 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: intellectual property rights, limitation of liability, indemnification, dispute resolution, and general provisions.

21. CONTACT INFORMATION AND SUPPORT

21.1 General Inquiries

For questions, complaints, or concerns regarding these Terms or the Services, please contact:

Telcoin, Inc. d/b/a Telcoin Digital Asset Bank

2200 Taylor Avenue, Suite 200

Norfolk, Nebraska 68701

Email: support@telco.in

21.2 Technical Support

Technical support is available:

By email at support@telco.in
Through the mobile application support feature
During business hours: 9 am to 4pm Central time

21.3 Regulatory Complaints

For regulatory complaints, you may also contact:

Nebraska Department of Banking and Finance

Phone: 402.471.2171

Website: ndbf.nebraska.gov

21.4 Nebraska Residents

Nebraska residents with complaints regarding money transmission activities that remain unresolved after first contacting TDAB should contact: