Terms & Conditions / User Agreement

1. Introduction

These Terms and Conditions / User Agreement (the "Terms") form a binding contract between you and TRADEGENIUZ CAPITAL PRIVATE LIMITED (the "Company") for use of Geniuz Exchange (the "Platform"), a VDA facilitation platform.

By accessing, registering for, or using the Platform, you agree to these Terms and the Privacy Policy, AML/KYC Policy, Risk Disclosure, Refund Policy, and Cookie Policy, as updated from time to time.

2. Definitions

"Applicable Law" means laws, rules, and directions applicable to the Company or you, including in India. "VDA" means virtual digital asset as interpreted under applicable law. "Services" means digital asset facilitation, matching, wallet and transfer support functions, and related platform tools offered by the Company. "User" means any person accessing or using the Platform.

3. Eligibility and Restricted Use

You must be at least 18 years old (or higher age of majority where applicable), legally competent, and authorized to enter into these Terms. You are responsible for ensuring your access and use of the Platform is lawful in your jurisdiction.

Users located in prohibited, sanctioned, or otherwise restricted geographies or categories may be denied access. The Company may restrict use based on legal, sanctions, risk, fraud, banking, or compliance requirements.

4. Account Registration and Security

You must provide accurate, current, and complete information and keep it updated. You shall not create accounts using false identity details or unauthorized third-party credentials.

You are solely responsible for account security, including passwords, OTPs, devices, and 2FA methods. You must immediately notify the Company of suspected compromise, unauthorized use, or security incidents. Actions performed through your verified credentials may be treated as authorized, subject to applicable law.

The Platform may communicate with you through email, SMS, WhatsApp (if configured), app notifications, and website notices. You are responsible for maintaining active contact details and monitoring such communications.

5. KYC, AML, Sanctions, and Compliance

The Company may conduct onboarding checks, KYC verification, sanctions screening, source-of-funds review, transaction monitoring, and enhanced due diligence as required under applicable law and internal compliance controls.

Compliance framework references may include the Companies Act, 2013, Information Technology Act, 2000 (and amendments), FEMA, 1999, PMLA, 2002, and Income Tax Act, 1961. The Company may hold, delay, reject, reverse, or report transactions where required under legal, regulatory, or risk obligations.

The Company may retain KYC, transaction, communication, and compliance records for periods required by law, regulation, audit, fraud prevention, dispute resolution, and internal compliance purposes.

6. Services, Modifications, and Third Parties

The Platform and Services may be modified, paused, restricted, or discontinued in whole or in part at any time, including for upgrades, security, legal compliance, partner dependencies, or operational reasons.

Unless expressly stated otherwise, the Company is not a bank and does not provide guaranteed custody of user funds or assets. Services may involve third-party wallets, service providers, banking partners, payment processors, blockchain infrastructure, liquidity partners, and technology vendors.

Subject to applicable law, the Company is not liable for third-party insolvency, service downtime, wallet failure, settlement delays, banking interruptions, or network disruption.

7. Trading, VDAs, Wallets, and No Advice

VDA prices may be extremely volatile. The Platform does not provide investment advice, portfolio management, or fiduciary services. No statement on the Platform constitutes legal, tax, or investment advice.

There is no guarantee of profits, no assured returns, and no promise of trading success. All decisions and outcomes are your sole responsibility.

You are solely responsible for wallet address accuracy, network selection, transaction details, and destination wallet compatibility. Blockchain transactions may be irreversible, and mistaken transfers may not be recoverable. The Company is not responsible for losses resulting from incorrect wallet input, unsupported networks, or user-side transfer errors.

8. Fees, Charges, Taxes, and Deductions

Platform fees and charges may apply and are disclosed through relevant pages, interfaces, workflows, or transaction summaries. Banking, payment rail, blockchain, and third-party charges may also apply.

Taxes, TDS, GST, and statutory deductions shall be applied as required under applicable law, including where relevant under Section 194S of the Income Tax Act, 1961 and GST provisions on service fees. You are solely responsible for personal tax reporting, filings, declarations, and compliance in all relevant jurisdictions.

9. Prohibited Activities

You must not use the Platform for unlawful, fraudulent, deceptive, manipulative, or abusive activity, including money laundering, terrorist financing, sanctions evasion, impersonation, unauthorized access, malware distribution, transaction layering, or attempts to bypass limits and controls.

You must not violate intellectual property rights, scrape or reverse-engineer systems without authorization, or interfere with platform operations. The Company may investigate suspected misuse and take action subject to applicable law.

10. Suspension, Restriction, and Termination

The Company may suspend, restrict, freeze, or terminate accounts or transactions for security reasons, suspected policy breach, sanctions screening, legal requests, compliance review, non-cooperation in due diligence, or risk concerns.

Where legally permitted, the Company may act without prior notice. Provisions relating to liability, records, legal rights, indemnity, tax, and dispute resolution survive termination to the extent applicable.

11. Disclaimers and Limitation of Liability

The Platform is provided on an "as is" and "as available" basis. Service interruptions may occur due to downtime, scheduled maintenance, execution latency, API delays, infrastructure upgrades, cyber incidents, third-party dependencies, banking rail delays, and blockchain/network issues.

To the maximum extent permitted by law, the Company is not liable for indirect, incidental, special, exemplary, punitive, or consequential losses, including loss of profits, opportunity, data, goodwill, or expected returns.

Subject to applicable law, the Company is not liable for losses arising from VDA volatility, market movement, user mistakes, incorrect wallet details, unsupported network usage, compliance holds, sanctions checks, partner failures, force majeure events, or delayed or failed third-party processing.

Nothing in these Terms excludes or limits liability where such exclusion is not permitted under mandatory Indian law.

12. Indemnity

You agree to defend, indemnify, and hold harmless the Company and its directors, officers, employees, affiliates, and service providers from claims, losses, liabilities, damages, penalties, and reasonable legal expenses arising from your breach of these Terms, misuse of Services, violation of law, or infringement of third-party rights, except to the extent caused by the Company's wilful misconduct or fraud.

13. Intellectual Property

All rights in the Platform, software, design, content, trademarks, branding, and documentation are owned by the Company or its licensors. You receive a limited, non-exclusive, non-transferable, revocable right to use the Platform in accordance with these Terms.

14. Governing Law, Jurisdiction, and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India. Subject to applicable consumer protection law, courts at Kumbakonam / Thanjavur District, Tamil Nadu, or courts having territorial jurisdiction over the Company's registered office, shall have jurisdiction.

Before initiating formal proceedings, users should first raise concerns through the support and grievance channels for good-faith resolution.

15. Amendments and Contact

The Company may amend these Terms from time to time. Revised versions become effective upon publication (or as otherwise notified), and continued use may constitute acceptance where permitted by law.

Support: support@geniuzexchange.com

Registered Office: No.9/311, Hajiyar Street, Kumbakonam, Thanjavur, Tamil Nadu - 612001, India

16. Grievance Redressal Officer

In accordance with applicable Indian law, grievance details are as follows:

Name: Mohammed Nasir
Designation: Director & Grievance Officer
Company: TRADEGENIUZ CAPITAL PRIVATE LIMITED
CIN: U65999TN2022PTC151226
Email: grievance@geniuzexchange.com
Address: No.9/311, Hajiyar Street, Kumbakonam, Thanjavur, Tamil Nadu - 612001, India

Acknowledgement target: Within 24 hours
Resolution target: Within 30 working days, subject to complexity and legal requirements.

17. Regulatory Disclosures

• TRADEGENIUZ CAPITAL PRIVATE LIMITED is a private limited company incorporated in India under the Companies Act, 2013.
• CIN: U65999TN2022PTC151226; GST: 33AAJCT2975M1ZS.
• The Company is not a bank, NBFC, or deposit-taking institution.
• The Platform facilitates peer-assisted VDA/USDT-INR transactions and related digital asset services.
• VDA activities involve significant risk, including the risk of total loss.
• Users should seek independent financial, legal, and tax advice where required.
• The Company has applied for registration with FIU-IND as a Virtual Digital Asset Service Provider. Approval is pending.