TERMS OF SERVICE 

Effective Date: November 12, 2026 

Last Updated: November 12, 2026 

1. CORPORATE IDENTIFICATION AND TRADER DISCLOSURE 

1.1 Contracting Entity: These Terms of Service (“Terms”) constitute a legally binding agreement between you (“Cardholder,” “User,” “you,” or “your”) and LXX Blockchain Innovations Inc., a corporation duly incorporated and existing under the laws of the Republic of Panama, with its registered office at Calle Aquilino de la Guardia, PH Ocean Business Plaza, Floor 23, Office 23-01, Panama City, Republic of Panama (“Company,” “LXX,” “we,” “us,” or “our”). 

1.2 Trader Status (EEA and UK Disclosure): In accordance with European Economic Area (EEA) and United Kingdom (UK) consumer protection laws and Google Play Store policies, LXX Blockchain Innovations Inc. acts as a commercial Trader in providing this Crypto Card mobile application and associated front-end card management software (collectively, the “Card App”). 

1.3 Official Contact Details: 

• Customer Support & Legal Notices: admin@lxxwallet.com
• Telephone: +43 677 62052440 

1.4 Scope and Acceptance: By downloading, installing, registering an account on, or using the Card App to apply for, fund, or manage a virtual or physical crypto-linked payment card (“Crypto Card”), you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not register for or use the Card App. 

2. ROLE OF LXX, WHITE-LABEL PARTNERS, AND REGULATED CARD ISSUERS 

2.1 Technical Platform Provider Only: LXX operates exclusively as a technology provider and white-label program manager offering the Card App user interface. LXX is not a bank, credit institution, electronic money institution (EMI), payment institution, money services business, or card scheme operator. LXX does not issue payment instruments, hold fiat client funds, or execute regulated payment settlement services. 

2.2 Regulated Card Issuer & BIN Sponsor: All Crypto Cards accessible through the Card App are issued by a duly licensed financial institution, electronic money institution, or banking partner (“Card Issuer”) operating under Visa, Mastercard, or other applicable payment network licenses. Your application for, issuance of, and use of a Crypto Card is governed by a separate Cardholder Agreement and Fee Schedule directly between you and the Card Issuer, which you must accept during onboarding. In the event of any conflict between these Terms and the Cardholder Agreement regarding card settlement, safeguarding of fiat balances, chargebacks, or regulated payment services, the Cardholder Agreement shall prevail. 

2.3 White-Label Deployments: Where this Card App is provided under a white-label or co-branded arrangement operated by an enterprise client or distribution partner (“White-Label Partner”), the White-Label Partner may manage front-end customer branding, loyalty tiers, or regional support channels. Additional White-Label Partner terms presented within the Card App form an integral part of your agreement. 

3. ELIGIBILITY AND MANDATORY KYC / AML COMPLIANCE 

3.1 Eligibility Criteria: To register for the Card App and apply for a Crypto Card, you must: ● Be at least eighteen (18) years of age (or the age of legal majority in your jurisdiction); ● Reside in an eligible jurisdiction supported by both LXX and the applicable Card Issuer; 

• Not be subject to economic, financial, or trade sanctions administered by the United Nations, the European Union, the United Kingdom (OFSI), the United States (OFAC), or the Republic of Panama; and 
• Register strictly for personal (or expressly authorized corporate) use and not on behalf of any undisclosed third party. 

3.2 Identity Verification (KYC/CDD): Access to the Crypto Card is strictly conditional upon completing mandatory Know Your Customer (KYC), Customer Due Diligence (CDD), biometric liveness checks, proof-of-address verification, and source-of-funds/source-of-wealth screening conducted by the Card Issuer and its authorized identity verification providers. 

3.3 Ongoing Monitoring & Sanctions Screening: Your account, digital asset deposits, and card spending activity are subject to continuous Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), and sanctions monitoring. LXX or the Card Issuer may at any time request supplemental documentation or freeze card functionality pending compliance review. 

4. ACCOUNT SECURITY AND CREDENTIALS
   

4.1 Account Registration: You must provide accurate, current, and complete information during registration and promptly update your profile if your residential address, phone number, or identification status changes. 

4.2 Security of Access Credentials: You are solely responsible for safeguarding your Card App login credentials, multi-factor authentication (2FA) devices, PINs, card numbers, CVV codes, and security tokens. You must never share your PIN or OTP codes with any third party, including LXX support personnel. 

4.3 Unauthorized Access: You must notify LXX immediately at admin@lxxwallet.com and freeze your card via the Card App if you suspect your mobile device, login credentials, or Crypto Card details have been compromised. 

5. CRYPTO-TO-FIAT FUNDING, CONVERSION, AND CARD USAGE 

5.1 Funding the Crypto Card: To load value onto your Crypto Card, you must transfer supported cryptocurrencies or stablecoins from an external wallet to the unique deposit address generated within the Card App. You are solely responsible for ensuring that you send supported assets over the exact supported blockchain network; assets sent over unsupported networks or to incorrect addresses may be permanently lost. 

5.2 Conversion Mechanism & Exchange Rates: 

• Instant or Pre-Load Conversion: Depending on your selected card program, deposited digital assets are either converted into fiat currency (e.g., EUR, GBP, USD) upon deposit confirmation or liquidated at the point of sale when a card transaction is authorized. 
• Pricing & Slippage: Conversion rates are quoted by the Card Issuer or its licensed liquidity provider at the time of execution and include applicable spread markups and conversion fees displayed in the Card App. 
• Finality of Conversion: Once digital assets are converted into fiat currency to fund your card balance or settle a merchant transaction, the conversion is final and cannot be reversed back into digital assets at the prior exchange rate. 

5.3 Permitted Use & Prohibited Transactions: You may use the Crypto Card for lawful point-of-sale, online, and ATM transactions wherever the applicable card network (Visa/Mastercard) is accepted. You are strictly prohibited from using the Crypto Card for:

• Unlawful gambling, illegal substances, adult entertainment where restricted, or illicit goods/services; 
• Quasi-cash abuse, manufactured spending, or circumventing currency controls; ● Purchasing restricted financial instruments or funding sanctioned entities. 

5.4 Spending & Velocity Limits: Your Crypto Card is subject to daily, monthly, and per-transaction limits for card loads, merchant spend, and ATM cash withdrawals as published in the Card App Fee & Limit Schedule. 

6. FEES, FOREIGN EXCHANGE, AND TAXES 

6.1 Schedule of Fees: Use of the Card App and Crypto Card is subject to applicable fees, which may include card issuance/shipping fees, monthly or annual maintenance fees, crypto-to-fiat conversion fees, ATM withdrawal fees, foreign exchange (FX) markups for non-base currency transactions, and inactivity fees. All fees are transparently displayed in the Card App prior to card activation and transaction confirmation. 

6.2 Right of Set-Off / Deduction: You authorize the Card Issuer to deduct all applicable fees, chargeback adjustments, and negative balances directly from your available card balance. 

6.3 Tax Responsibility: Converting digital assets to fiat currency to fund or spend via a Crypto Card may constitute a taxable disposal or capital gains event in your jurisdiction. You are solely responsible for tracking, reporting, and paying all applicable taxes arising from your use of the Card App. 

7. LOST, STOLEN, OR DAMAGED CARDS AND DISPUTED TRANSACTIONS 

7.1 Immediate Card Freeze: If your physical or virtual Crypto Card is lost, stolen, or compromised, you must immediately freeze or cancel the card using the controls inside the Card App and notify admin@lxxwallet.com. 

7.2 Transaction Disputes & Chargebacks: Because LXX is a technical software interface provider and not the Card Issuer, formal chargebacks, unauthorized transaction claims, and merchant disputes must be submitted in accordance with the procedures and statutory timelines set out in your Card Issuer’s Cardholder Agreement (typically within 60 to 120 days of the transaction date, depending on card network rules and applicable EEA/UK payment regulations). 

8. INTELLECTUAL PROPERTY AND LICENSE
   

8.1 Ownership: All software, mobile application code, APIs, user interface layouts, trademarks, and proprietary content within the Card App (excluding White-Label Partner branding and Card Issuer marks) are owned by LXX Blockchain Innovations Inc. or its licensors. 

8.2 License Grant: LXX grants you a personal, non-exclusive, non-transferable, revocable license to install and use the Card App on a compatible mobile device solely to manage your Crypto Card in compliance with these Terms. 

8.3 Restrictions: You shall not reverse engineer, decompile, disassemble, modify, scrape, rent, sublicense, or use automated tools to access the Card App, nor interfere with its security or rate-limiting mechanisms. 

9. RISK DISCLOSURES 

By using the Card App, you acknowledge and accept the following risks: 

1. Digital Asset Volatility: The fiat value of digital assets held prior to conversion can fluctuate rapidly and significantly. 
2. Blockchain Settlement Delays: Network congestion, validator delays, or required block confirmations may delay the availability of funds on your Crypto Card. 
3. Third-Party & Issuer Dependencies: Card authorizations, ATM networks, and fiat conversions depend on third-party banking, liquidity, and payment processor infrastructure that may experience scheduled maintenance or unplanned outages. 
4. Regulatory Changes: Changes in financial, e-money, or crypto-asset regulations (including MiCA in the EEA or FCA rules in the UK) may require modifications to card limits, supported assets, or geographic availability. 
5. DISCLAIMERS AND LIMITATION OF LIABILITY 

10.1 Service Availability Disclaimer: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE CARD APP SOFTWARE INTERFACE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. 

10.2 Limitation of Liability: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LXX BLOCKCHAIN INNOVATIONS INC., ITS DIRECTORS, OFFICERS, SHAREHOLDERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, 

INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL ARISING OUT OF: (A) CARD DECLINES OR MERCHANT REFUSALS; (B) BLOCKCHAIN NETWORK DELAYS OR INCORRECT DEPOSIT TRANSFERS; (C) ACTS, OMISSIONS, OR INSOLVENCY OF THE CARD ISSUER OR LIQUIDITY PARTNERS; OR (D) UNAUTHORIZED ACCESS RESULTING FROM YOUR FAILURE TO SECURE YOUR DEVICE OR CREDENTIALS. IN ALL CASES, LXX’S AGGREGATE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF (I) THE TOTAL PLATFORM FEES PAID DIRECTLY BY YOU TO LXX IN THE SIX (6) MONTHS PRECEDING THE CLAIM, OR (II) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00). 

10.3 Mandatory EEA and UK Consumer Rights: Nothing in these Terms excludes or limits LXX’s liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, willful misconduct, or any statutory consumer rights that cannot be excluded or restricted under the mandatory laws of the European Economic Area or the United Kingdom. 

11. SUSPENSION, CARD CANCELLATION, AND TERMINATION 

11.1 Termination by You: You may close your Card App account and cancel your Crypto Card at any time through the Card App settings or by contacting support, subject to the settlement of any pending card authorizations and withdrawal/refund of remaining fiat balances in accordance with the Cardholder Agreement. 

11.2 Suspension or Termination by LXX or Card Issuer: LXX or the Card Issuer may suspend, restrict, or terminate your access to the Card App and deactivate your Crypto Card immediately and without prior notice if: (a) you breach these Terms or the Cardholder Agreement; (b) you fail KYC/AML verification or provide false information; (c) suspicious, fraudulent, or sanctioned activity is detected; or (d) required by a regulator, law enforcement agency, or card network. 

12. GOVERNING LAW AND DISPUTE RESOLUTION 

12.1 Governing Law: Subject to Clause 12.3, 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 Republic of Panama, without regard to conflict of law principles. 

12.2 Jurisdiction: Any dispute arising out of or relating to these Terms that is not resolved informally within thirty (30) days of written notice to admin@lxxwallet.com shall be submitted to the exclusive jurisdiction of the competent courts of Panama City, Republic of Panama.

12.3 EEA and UK Consumer Protection Carve-Out: If you are a consumer habitually resident in the European Economic Area (EEA) or the United Kingdom (UK), nothing in Clauses 12.1 or 12.2 deprives you of the protection of mandatory consumer protection laws of your country of habitual residence, nor affects your statutory right to bring legal proceedings before the courts of your country of habitual residence. 

13. GENERAL PROVISIONS 

13.1 Amendments: LXX may update these Terms from time to time to reflect regulatory developments, Card Issuer changes, or new Card App features. Material changes will be notified via the Card App or email at least fifteen (15) days prior to taking effect (unless immediate implementation is required by law or card network mandate). 

13.2 Severability & Assignment: If any provision of these Terms is held unenforceable, the remaining provisions shall remain valid and enforceable. You may not assign your rights under these Terms; LXX may assign its rights to an affiliate or successor entity upon notice.