Terms of Service

These Terms of Service (the "Terms") constitute a legally binding agreement between you (the "User", "Client", or "you") and IronXLedger Holdings Ltd. and its duly authorised affiliates (collectively, "IronXLedger", "we", "us", or "our") and govern your access to and use of the IronXLedger website, application programming interfaces, mobile clients, and any related services (the "Platform"). By accessing the Platform, opening an account, or executing any transaction hereunder, you acknowledge that you have read, understood, and irrevocably accepted these Terms in their entirety.

1. Eligibility, Onboarding, and Capacity

Access to the Platform is restricted to natural persons of legal majority in their jurisdiction of residence and to legal entities lawfully constituted and in good standing. By opening an account, you represent and warrant that (a) you possess the capacity to enter into a binding contract; (b) you are not a Restricted Person under any applicable sanctions regime, including those administered by the United States Office of Foreign Assets Control, the United Kingdom HM Treasury, the European Union, or the United Nations; (c) you are not resident, ordinarily domiciled, or physically located within any jurisdiction designated as a Prohibited Jurisdiction in our published list, as amended from time to time; and (d) all information furnished by you in connection with onboarding is true, accurate, complete, and not misleading in any material respect.

IronXLedger may, at its sole discretion and without obligation to provide reasons, refuse to onboard, suspend, freeze, or terminate any account or relationship where it has reasonable grounds to suspect a breach of these Terms, of applicable law, or of internal risk-management thresholds.

2. Nature of Services

The Platform provides facilities for the deposit, conversion, transfer, and withdrawal of certain digital assets, together with associated market data, analytics, and account administration tools. The Platform is a technology service. It is not a bank, broker-dealer, investment adviser, fiduciary, or insurer. IronXLedger does not provide investment, tax, accounting, or legal advice. No information made available through the Platform should be construed as a solicitation, recommendation, or offer to buy or sell any digital asset, security, or financial instrument.

3. Account Security and Authentication

You are solely responsible for maintaining the confidentiality of your authentication credentials, including any password, recovery phrase, hardware-token seed, session cookie, or application programming interface key. You agree to enable, and maintain in good operating condition, all available second-factor authentication mechanisms and withdrawal allow-listing controls. You acknowledge that any instruction submitted from a properly authenticated session shall be deemed an instruction of the account holder, and IronXLedger shall be entitled — but not obliged — to act upon it without further enquiry.

4. Custody, Account Activity, and Dormancy

Digital assets credited to your account are held subject to the operational and cryptographic controls described in our Security & Custody disclosures, as updated from time to time. Without prejudice to any other right or remedy, IronXLedger reserves the right to apply enhanced security measures — including but not limited to mandatory account reactivation, source-of-funds verification, or a minimum reactivation deposit — to any account that has remained dormant, defined as having had no recorded user-initiated balance-changing activity, for a continuous period of twelve (12) calendar months or more. Such measures are imposed for the protection of the Client and the integrity of the Platform and do not constitute an event of default, forfeiture, or seizure.

5. Fees, Spreads, and Settlement

IronXLedger generates revenue principally through transparent transaction spreads and, where applicable, network-cost pass-through. Schedules of spreads, network fees, and applicable minimums are published within the Platform and may be revised upon reasonable notice. By executing any transaction you acknowledge and accept the spread, fee, and network cost displayed at the time of confirmation as a final, binding term of that transaction.

6. Prohibited Conduct

You shall not, and shall not permit any third party to, (a) use the Platform in furtherance of money laundering, terrorist financing, sanctions evasion, market manipulation, fraud, or any other unlawful purpose; (b) interfere with, probe, or circumvent any security or rate-limiting measure; (c) submit false, forged, or materially misleading information; (d) operate the Platform on behalf of an undisclosed beneficial owner; or (e) employ any automated means to extract data, simulate volume, or generate artificial activity. Any such conduct constitutes a material breach of these Terms and may result in immediate suspension, asset freeze, mandatory disclosure to competent authorities, and civil or criminal action.

7. Risk Acknowledgement

Digital assets are speculative, volatile, and may become entirely illiquid or worthless. Past performance is not indicative of future results. By using the Platform you confirm that you have read, understood, and accepted our Risk Disclosure Statement in full, and that any decision to acquire, hold, convert, or dispose of digital assets is taken on your own initiative, for your own account, and at your own risk.

8. Limitation of Liability

To the maximum extent permitted by applicable law, IronXLedger, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, nor for any loss of profits, revenues, data, goodwill, or anticipated savings, whether arising in contract, tort (including negligence), strict liability, or otherwise, even if advised of the possibility of such damages. Our aggregate liability arising from or in connection with these Terms shall not exceed the lesser of (a) the total transaction fees paid by you to IronXLedger in the twelve (12) months immediately preceding the event giving rise to liability and (b) one thousand United States Dollars (USD 1,000).

9. Indemnification

You agree to defend, indemnify, and hold harmless IronXLedger and its affiliates from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to (i) your use of the Platform; (ii) your breach of these Terms; (iii) your violation of any applicable law or the rights of any third party; or (iv) any content or instruction submitted through your account.

10. Suspension, Termination, and Survival

IronXLedger may, with or without prior notice, suspend or terminate your access to the Platform in whole or in part where it reasonably considers such action necessary to protect the Platform, its Clients, or to comply with applicable law or order of competent authority. Provisions which by their nature should survive termination — including those relating to liability, indemnification, governing law, and dispute resolution — shall so survive.

11. Governing Law and Dispute Resolution

These Terms and any non-contractual obligations arising out of or in connection with them shall be governed by and construed in accordance with the laws of the jurisdiction in which IronXLedger Holdings Ltd. is principally registered, without regard to its conflict-of-laws principles. Any dispute, controversy, or claim arising out of or relating to these Terms — including the existence, validity, interpretation, performance, breach, or termination thereof — shall be referred to and finally resolved by binding arbitration administered by an internationally recognised arbitral institution, by a sole arbitrator, in the English language. The seat of arbitration shall be the registered seat of IronXLedger Holdings Ltd. The award rendered shall be final, conclusive, and enforceable in any court of competent jurisdiction.

12. Amendments and Entire Agreement

IronXLedger may amend these Terms from time to time by posting an updated version on the Platform together with a revised effective date. Continued use of the Platform following publication constitutes acceptance of the amended Terms. These Terms, together with all documents incorporated by reference herein, constitute the entire agreement between you and IronXLedger and supersede any prior understanding, representation, or agreement, whether written or oral, on their subject matter.

13. Contact

Questions concerning these Terms should be directed to support@ironxledger.com with the subject line clearly marked LEGAL — TERMS.