1. Who we are

These Terms & Conditions ("Terms") govern your use of the FastXE website, mobile applications and crypto asset services (together, the "Services"). The Services are provided by the FastXE entity that serves your country of residence:

In these Terms, "FastXE", "we", "us" and "our" refer to the relevant entity above. "You" means the individual or business using the Services.

2. The Services

FastXE provides crypto asset services only. The Services may include:

• a hosted wallet to hold supported crypto assets;
• swaps between supported crypto assets;
• deposits of crypto assets from external blockchain addresses and withdrawals to external addresses;
• transfers of crypto assets to other FastXE users; and
• a payment card funded by your crypto asset balances, where available.

FastXE is not a bank and does not accept deposits. Crypto assets held with FastXE are not covered by any government deposit insurance or investor compensation scheme.

3. Eligibility and your account

You must be at least 18 years old, live in a supported country, and complete our identity verification to open an account. You agree to give accurate information, keep it up to date, and keep your login credentials and devices secure. You are responsible for all activity under your account, except where these Terms or applicable law say otherwise.

4. Crypto asset risks

Crypto asset prices are volatile and can fall to zero. Blockchain transactions are generally irreversible. Networks can experience congestion, forks, outages or protocol changes that may delay or affect transfers. Stablecoins may lose their intended value. You should only hold assets you can afford to lose, and nothing FastXE provides is investment, tax or legal advice.

5. Deposits and withdrawals

You must use the correct deposit address and network shown in the app for each asset. Assets sent to the wrong address, on an unsupported network, or without required memo or tag information may be permanently lost and we may be unable to recover them. Withdrawals may be delayed or refused to complete security checks, meet legal obligations or protect your account.

6. Swaps and pricing

Before you confirm a swap we show you the rate, the amount you will receive and any fee. Quotes are valid for a limited time. Once confirmed, a swap cannot be cancelled.

7. The FastXE card

Card availability depends on your country. The card is issued by FastXE and is subject to separate cardholder terms. When you pay, the required amount is converted from your chosen crypto asset at the rate shown in the app at the time of authorisation.

8. Fees

Our current fees are shown in the app and on our fees page, and before you confirm any transaction. Blockchain network fees are set by the network, not by FastXE. We will give you notice before fee changes take effect.

9. Custody of your assets

We hold the crypto assets in your account on your behalf. Your assets are recorded separately in our books and are not used for our own purposes, including lending or staking, without your explicit consent.

10. Restricted use

You must not use the Services for any unlawful purpose, including fraud, money laundering, terrorist financing, sanctions evasion, or buying prohibited goods. We may restrict, suspend or close your account and report activity to authorities where the law requires.

11. Suspension and closure

You may close your account at any time after withdrawing your assets. We may suspend or close your account if you breach these Terms, if required by law, or with reasonable notice for any other reason. When an account closes, we will help you withdraw remaining assets to an address you control, subject to legal requirements.

12. Liability

To the extent permitted by law, FastXE is not liable for losses caused by market movements, blockchain network failures, your use of an incorrect address or network, or events outside our reasonable control. Nothing in these Terms limits liability that cannot be limited by law.

13. Governing law and disputes

If you are served by FastXE, Inc., these Terms are governed by the laws of the State of Montana and applicable US federal law. If you are served by FastXE Inc., these Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable there. This does not remove any mandatory consumer protections of the place where you live.

14. Changes and contact

We may update these Terms and will notify you of material changes in advance. Questions about these Terms can be sent to support@fast-xe.com or to the address of the FastXE entity that serves you.

FastXE, Inc. respects your privacy and is committed to protecting the personal information you share when you visit our website. This Privacy Policy explains the types of information we collect through this website, how we use it, the legal basis for our processing activities, how we safeguard data, who we may share it with, and the rights you have regarding your personal information.

This policy applies only to the public informational website accessible to general visitors. It does not apply to the FastXE mobile application or platform used for cryptoasset services, onboarding, identity verification, or transactions. Those activities are governed by the App Privacy Policy.

1. Scope of This Policy

1.1. This Website Privacy Policy applies to:

• 1.1.1. Visitors browsing our informational website
• 1.1.2. Individuals submitting enquiries, partnership requests, or forms
• 1.1.3. Users accessing non transactional content

1.2. This Website Privacy Policy does not apply to:

• 1.2.1. FastXE account holders using the mobile app or platform
• 1.2.2. Any cryptoasset, transactional, or regulated activity
• 1.2.3. KYC, AML, or identity verification processes

2. Information We Collect

2.1. Information You Provide Voluntarily

2.2. You may provide personal information when:

• 2.2.1. Submitting a contact or enquiry form
• 2.2.2. Requesting information about FastXE services
• 2.2.3. Signing up for updates or newsletters
• 2.2.4. Communicating with our team

2.3. This may include:

• 2.3.1. Full name
• 2.3.2. Email address
• 2.3.3. Phone number
• 2.3.4. Company name
• 2.3.5. Any message or details you choose to share

2.4. We do not request or collect sensitive information such as identity documents, financial information, or government issued identifiers through the website.

2.5. Information Collected Automatically

2.6. When you browse the FastXE website, we may automatically collect the following data:

• 2.6.1. IP address
• 2.6.2. Browser type and version
• 2.6.3. Device type and operating system
• 2.6.4. Pages viewed and time spent
• 2.6.5. Links clicked
• 2.6.6. Approximate geographic location (city or region level)
• 2.6.7. Cookies and similar tracking technologies

2.7. This information helps us analyze performance, detect issues, and improve user experience.

3. Cookies and Tracking Technologies

3.1. The website may use cookies and analytics tools to:

• 3.1.1. Monitor website traffic patterns
• 3.1.2. Improve navigation and usability
• 3.1.3. Measure the effectiveness of content
• 3.1.4. Enhance website security

3.2. You may manage or disable cookies through your browser settings. Certain functionalities may be limited if cookies are disabled.

4. How We Use Your Information

4.1. We use the information collected for the following purposes:

• 4.1.1. Responding to enquiries submitted through our forms
• 4.1.2. Providing non regulatory information about FastXE's services
• 4.1.3. Improving the structure and performance of the website
• 4.1.4. Conducting analytics and traffic measurements
• 4.1.5. Ensuring the security and integrity of our systems
• 4.1.6. Identifying and resolving technical issues

4.2. We do not use website collected data for:

• 4.2.1. Identity verification
• 4.2.2. Customer onboarding
• 4.2.3. Transaction monitoring
• 4.2.4. AML or KYC processing
• 4.2.5. Automated decision making that produces legal or financial effects

4.3. Those activities take place only within the FastXE app environment.

5. Legal Basis for Processing (Where Applicable)

5.1. Depending on your jurisdiction, FastXE may process website collected personal information based on:

• 5.1.1. Your consent
• 5.1.2. Our legitimate interest in improving and protecting our website
• 5.1.3. Compliance with legal or regulatory obligations where required

6. How We Share Information

6.1. We may share information collected through the website with:

• 6.1.1. Service Providers: We may engage third parties to assist with:
• 6.1.2. Website hosting and infrastructure
• 6.1.3. Analytics and performance tools
• 6.1.4. Security monitoring
• 6.1.5. Email delivery or communications

6.2. These service providers are required to process data only as instructed and to maintain appropriate security measures.

6.3. Legal Requirements: We may disclose information if:

• 6.3.1. Required by a court order or regulatory authority
• 6.3.2. Necessary to comply with applicable laws
• 6.3.3. Necessary to protect FastXE's legal rights or the security of our system.

6.4. We do not sell, rent, or trade personal information.

7. Data Security

7.1. FastXE implements technical and organizational measures designed to protect the personal information collected through the website. These may include access controls, encryption, monitoring, and secure hosting environments.

7.2. While we take reasonable steps to protect your data, no online transmission or storage system is completely secure.

8. Data Retention

8.1. We retain website collected information only for as long as necessary to:

• 8.1.1. Respond to your enquiry or request
• 8.1.2. Fulfil the purposes described in this policy
• 8.1.3. Comply with legal obligations
• 8.1.4. Maintain necessary business records

8.2. Data that is no longer needed is securely deleted.

9. Your Rights

9.1. Depending on your jurisdiction, you may have the right to:

• 9.1.1. Request access to your personal information
• 9.1.2. Request correction of inaccurate information
• 9.1.3. Request deletion of your information
• 9.1.4. Object to or restrict processing
• 9.1.5. Withdraw consent for optional uses (such as newsletters)
• 9.1.6. Request information about how your data is used

9.2. To exercise any rights, contact us: support@fast-xe.com

10. Third Party Links

10.1. Our website may contain links to external websites. We are not responsible for the privacy practices, content, or policies of third-party sites.

11. Children's Privacy

11.1. Our website is not intended for children under 18 years of age. We do not knowingly collect information from minors.

12. International Visitors

12.1. FastXE operates through regulated group entities in the United States and Canada. If you access the website from outside these jurisdictions, your information may be transferred and processed in jurisdictions with different data protection laws.

13. Changes to This Privacy Policy

13.1. FastXE may update this Website Privacy Policy from time to time. Any changes will be posted on this page with an updated date. We encourage you to review the policy periodically.

14. Contact Us

14.1. If you have questions about this Website Privacy Policy or how your information is handled, please contact us: support@fast-xe.com

1. About this policy

This Cookie Policy explains how FastXE, Inc. (220 West Lamme St, Suite B5, Bozeman, Montana 59751) and FastXE Inc. (6th Floor, 905 West Pender Street, Vancouver, British Columbia, V6C 1L6) use cookies and similar technologies on fast-xe.com and app.fast-xe.com.

2. What cookies are

Cookies are small files stored on your device. Similar technologies include local storage and software development kits in our mobile apps.

3. Cookies we use

4. Managing cookies

You can manage cookies through your browser settings. Where we use optional cookies, we will ask for your consent first and you can change your choices at any time. Blocking strictly necessary cookies will stop parts of the Services from working.

5. Contact

Questions can be sent to support@fast-xe.com.

How we protect your crypto

Security is built into every layer of FastXE, from how assets are stored to how you sign in. This page describes our main controls.

Asset storage

• The majority of customer crypto assets are held in offline cold storage.
• Operational hot wallets hold only what's needed for day-to-day withdrawals.
• Moving assets out of cold storage requires multiple authorised approvals.
• Customer assets are recorded separately from FastXE's own assets.

Account protection

• Two-factor authentication with authenticator apps or passkeys.
• Withdrawal address allow-lists with a waiting period for new addresses.
• New-device checks and alerts for sign-ins, withdrawals and security changes.
• Biometric unlock in our mobile apps.

Infrastructure

• Data encrypted in transit and at rest.
• Continuous monitoring, logging and access controls based on least privilege.
• Regular independent penetration tests.
• Blockchain analytics screening on deposits and withdrawals.

Keeping yourself safe

FastXE will never ask for your password, two-factor codes or recovery phrases, and will never ask you to send crypto to "verify" or "protect" your account. Always check the network before sending a transfer.

Report a vulnerability or scam

If you believe you've found a security issue, or someone is impersonating FastXE, email support@fast-xe.com with the subject line Security. Our teams are based at 220 West Lamme St, Suite B5, Bozeman, Montana 59751 and 6th Floor, 905 West Pender Street, Vancouver, British Columbia, V6C 1L6.

FastXE is committed to operating responsibly and preventing its services from being used for money laundering, terrorist financing, sanctions evasion, fraud, proliferation financing or other unlawful activity.

FastXE operates a risk-based compliance programme appropriate to the services it provides, its customers, transaction activity and the jurisdictions in which it operates.

1. Our Commitment

1.1. FastXE is registered as a Money Services Business with the Financial Transactions and Reports Analysis Centre of Canada, known as FINTRAC, under registration number C10001279.

1.2. The registration is currently displayed on the FINTRAC public registry under FastXE's previous name, Fastvault LTD, while the registered-name update is processed.

2. Customer Identification and Verification

2.1. Before providing certain services, FastXE or its service providers may be required to verify a customer's identity. For individuals, this may include collecting and verifying:

• 2.1.1. Full legal name
• 2.1.2. Date of birth
• 2.1.3. Residential address
• 2.1.4. Nationality and country of residence
• 2.1.5. Telephone number and email address
• 2.1.6. Government-issued identification
• 2.1.7. Photograph or biometric verification
• 2.1.8. Occupation or employment information
• 2.1.9. Purpose and expected use of the account

2.2. For businesses, FastXE may collect and verify:

• 2.2.1. Registered company name
• 2.2.2. Registration number
• 2.2.3. Registered and operating addresses
• 2.2.4. Nature of the business
• 2.2.5. Formation documents
• 2.2.6. Directors and authorised representatives
• 2.2.7. Ownership and control structure
• 2.2.8. Ultimate beneficial owners
• 2.2.9. Expected account and transaction activity
• 2.2.10. Source of funds or source of wealth

2.3. FastXE may request additional information where required by law or justified by risk.

3. Ongoing Due Diligence

3.1. Verification does not end when an account is opened. FastXE may periodically review and update customer information to ensure that it remains complete, accurate and current.

3.2. Customers may be asked to provide updated identification, corporate records, transaction documents or information regarding their source of funds or source of wealth.

3.3. If requested information is not provided, FastXE may restrict, suspend or close the account where permitted by law and the applicable terms.

4. Sanctions and Screening

4.1. FastXE does not permit its services to be used in breach of applicable sanctions. FastXE and its service providers may screen:

• 4.1.1. Customers
• 4.1.2. Directors
• 4.1.3. Authorised representatives
• 4.1.4. Beneficial owners
• 4.1.5. Counterparties
• 4.1.6. Wallet addresses
• 4.1.7. Payment recipients
• 4.1.8. Transactions

4.2. Screening may include sanctions lists, politically exposed persons, adverse-media information and other risk databases.

4.3. Service availability may be restricted based on a person's location, residence, nationality, counterparties, transaction route or other legal and risk factors.

5. Transaction Monitoring

5.1. FastXE and its providers may monitor cryptoasset activity to identify suspicious, unusual or prohibited behaviour. Monitoring may include:

• 5.1.1. Unexpected transaction volumes
• 5.1.2. Activity inconsistent with the customer's stated purpose
• 5.1.3. High-risk countries or counterparties
• 5.1.4. Unusual movement of funds
• 5.1.5. Rapid movement through multiple accounts or assets
• 5.1.6. Suspected fraud or account takeover
• 5.1.7. Exposure to scams, ransomware, darknet markets or stolen funds
• 5.1.8. Attempts to conceal the source, destination or ownership of funds

5.2. Blockchain-analytics technology may be used to assess wallet addresses, transaction exposure and links to potentially unlawful activity.

6. Source of Funds and Source of Wealth

6.1. FastXE may request information explaining where cryptoassets came from and how a customer obtained their overall wealth. Supporting evidence may include:

• 6.1.1. Payslips
• 6.1.2. Tax records
• 6.1.3. Sale agreements
• 6.1.4. Investment statements
• 6.1.5. Business invoices
• 6.1.6. Company accounts
• 6.1.7. Inheritance documents
• 6.1.8. Wallet transaction records
• 6.1.9. Exchange account statements

6.2. A transaction may be delayed or rejected until requested information has been reviewed.

7. Prohibited Activity

7.1. FastXE must not be used for:

• 7.1.1. Money laundering
• 7.1.2. Terrorist financing
• 7.1.3. Sanctions evasion
• 7.1.4. Fraud, scams or theft
• 7.1.5. Trafficking or exploitation
• 7.1.6. Ransomware or malware
• 7.1.7. Darknet-market activity
• 7.1.8. Transactions involving stolen funds or assets
• 7.1.9. Unlicensed or unlawful financial activity
• 7.1.10. False identities or impersonation
• 7.1.11. Unauthorised use of another person's account
• 7.1.12. Attempts to evade verification or monitoring
• 7.1.13. Concealing the origin, ownership, destination or purpose of funds
• 7.1.14. Any activity prohibited by FastXE's Terms and Conditions

8. Account and Transaction Restrictions

8.1. FastXE may delay, reject, block, restrict or suspend a transaction or account where:

• 8.1.1. Additional verification is required
• 8.1.2. Information provided cannot be verified
• 8.1.3. Activity appears suspicious or unusual
• 8.1.4. Fraud or account compromise is suspected
• 8.1.5. Sanctions restrictions may apply
• 8.1.6. The activity violates FastXE's terms
• 8.1.7. A service provider requires the action
• 8.1.8. FastXE is required or permitted to act by law

8.2. FastXE may be legally prohibited from explaining whether a report has been made or providing certain information about a compliance review.

9. Regulatory and Law-Enforcement Cooperation

9.1. Where required or permitted by law, FastXE may provide information to:

• 9.1.1. FINTRAC
• 9.1.2. Financial-intelligence units
• 9.1.3. Law-enforcement agencies
• 9.1.4. Courts
• 9.1.5. Regulators
• 9.1.6. Government authorities
• 9.1.7. Card providers
• 9.1.8. Cryptoasset service providers
• 9.1.9. Other parties involved in preventing fraud or financial crime

9.2. FastXE may submit suspicious-transaction or other regulatory reports when legally required.

10. Geographic Restrictions

10.1. FastXE services are not available in every jurisdiction. Eligibility may depend on:

• 10.1.1. Country of residence
• 10.1.2. Nationality
• 10.1.3. Business location
• 10.1.4. Customer type
• 10.1.5. Product availability
• 10.1.6. Verification results
• 10.1.7. Regulatory requirements
• 10.1.8. Service-provider rules
• 10.1.9. FastXE's risk assessment

10.2. FastXE does not provide cryptoasset services to retail or corporate customers resident in the United Kingdom.

11. Customer Responsibilities

11.1. Customers must:

• 11.1.1. Provide accurate and complete information
• 11.1.2. Keep account information current
• 11.1.3. Respond to compliance requests promptly
• 11.1.4. Use FastXE only for lawful purposes
• 11.1.5. Use the account only for their own approved activity
• 11.1.6. Protect account credentials
• 11.1.7. Notify FastXE of relevant changes
• 11.1.8. Provide supporting documents when reasonably requested
• 11.1.9. Avoid using FastXE on behalf of undisclosed third parties

12. Contact

12.1. For compliance, account or verification enquiries, contact us: support@fast-xe.com