Terms and Conditions of Use

These Terms and Conditions ("Terms") govern your access to and use of the website https://getjoin.io and any related services, applications, APIs, or tools provided by JOIN Global SAS ("JOIN", "we", "our", "us").

By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Website or Services.

1. Company Information

JOIN is operated by:

2. Scope of Services

JOIN provides non-custodial software infrastructure and execution tooling designed to interact with blockchain networks and third-party protocols.

JOIN:

• does not hold, custody, or control user funds or private keys;
• does not provide financial, legal, tax, or investment advice;
• does not act as a broker, dealer, custodian, or investment manager.

All blockchain interactions are executed directly by users through their own wallets or smart contracts.

JOIN provides access to different categories of Services, including services intended for:

• retail users ("Retail Services");
• professional or institutional users ("Professional Services").

Certain Services may rely on regulated third-party providers and may be subject to additional terms, onboarding requirements, or eligibility criteria.

3. Eligibility

By using the Services, you represent and warrant that:

• you are at least 18 years old;
• you have full legal capacity to enter into these Terms;
• you are not prohibited from using blockchain-based services under applicable laws;
• you comply with all local laws and regulations applicable to your use of the Services.

Certain Services may be restricted or unavailable in specific jurisdictions.

3A. Sanctions, Restricted Persons, and Screening

You represent and warrant that you are not:

• located in, incorporated in, or ordinarily resident in a country or territory subject to comprehensive sanctions or embargoes imposed by the European Union, the United Nations, the United States, or other applicable authorities; and
• a person or entity listed on any sanctions-related list maintained by such authorities (a "Restricted Person").

JOIN may implement screening and risk controls, directly or through third-party providers, to comply with applicable sanctions and financial crime regulations.

JOIN may, at its sole discretion and without liability:

• restrict or suspend access to the Website or Services;
• refuse to facilitate access to third-party services (including fiat-related services);
• request additional information;

where JOIN believes such action is necessary to comply with applicable law, sanctions regimes, or risk policies.

Nothing in these Terms shall require JOIN to provide Services where doing so would violate applicable laws or regulations.

4. Non-Custodial Nature & User Responsibility

JOIN does not:

• control blockchain networks;
• guarantee transaction execution or finality;
• reverse, cancel, or modify blockchain transactions.

You are solely responsible for:

• safeguarding your private keys and wallet access;
• verifying transaction parameters before execution;
• assessing smart-contract and protocol risks.

JOIN has no access to user funds and cannot recover lost assets.

JOIN does not custody digital assets or fiat funds.

Fiat funds are held exclusively by third-party Payment Partners.

5. Fiat Services and Payment Partners

5.1 General Principles

JOIN does not provide banking, payment, or electronic money services.

All fiat-related services made available through the Services are provided exclusively by regulated third-party providers ("Payment Partners").

JOIN acts solely as a technical interface and orchestration layer.

5.2 Retail Fiat On-Ramp and Off-Ramp (GetUnblock)

Retail users may access fiat-to-crypto and crypto-to-fiat conversion services through GetUnblock.

Retail users acknowledge that:

• fiat transactions are executed by GetUnblock, not JOIN;
• they enter into a direct contractual relationship with GetUnblock;
• all KYC, AML, compliance, and transaction monitoring obligations are performed by GetUnblock.

JOIN does not:

• process fiat transactions;
• hold or custody fiat funds;
• control approval, rejection, or suspension decisions made by GetUnblock.

JOIN shall not be liable for any delay, rejection, suspension, or failure of fiat transactions processed by GetUnblock.

5.3 Professional Fiat Accounts and IBAN Services (Banking Circle)

Professional users may access fiat account and IBAN-related services through Banking Circle or its licensed partners.

Professional users acknowledge that:

• fiat accounts and IBANs are provided directly by Banking Circle;
• a separate contractual relationship exists between the professional user and Banking Circle;
• onboarding, KYC/AML checks, transaction monitoring, and compliance decisions are performed by Banking Circle.

JOIN does not:

• open or manage fiat accounts;
• issue IBANs;
• hold professional users' fiat funds.

JOIN has no control over, and no liability for, decisions made by Banking Circle, including account approval, suspension, limitation, or termination.

6. Third-Party Protocols & Services

The Services may interact with third-party blockchain protocols, smart contracts, APIs, or infrastructure providers ("Third-Party Services").

JOIN:

• does not own or control Third-Party Services;
• makes no warranties regarding their security, availability, or performance;
• is not responsible for failures, exploits, or losses caused by Third-Party Services.

Use of Third-Party Services is at your own risk.

This includes, where applicable, third-party fiat providers and banking partners, which operate under their own terms and policies.

7. No Financial Advice

Nothing on the Website or Services constitutes:

• investment advice,
• financial advice,
• trading recommendations,
• legal or tax advice.

You are solely responsible for evaluating the risks of any blockchain or digital-asset activity.

8. Risks Disclosure

You acknowledge and accept that:

• blockchain technologies involve technical, financial, and regulatory risks;
• smart contracts may contain vulnerabilities;
• digital assets may experience extreme volatility or loss of value;
• regulatory changes may impact the availability or legality of Services.

JOIN does not guarantee uninterrupted, error-free, or secure operation.

9. Intellectual Property

All content on the Website, including but not limited to:

• software,
• source code,
• trademarks,
• logos,
• documentation,
• visual assets,

are the exclusive property of JOIN or its licensors.

You may not copy, modify, distribute, or exploit any content without prior written consent.

9A. Personal Data and Privacy

JOIN processes certain personal data in connection with the use of the Website and Services, in accordance with applicable data protection laws, including the EU General Data Protection Regulation ("GDPR").

Details about:

• the categories of personal data processed,
• purposes and legal bases,
• retention periods,
• recipients (including service providers),
• international transfers (if any),
• and your rights (access, rectification, erasure, objection, portability, restriction),

are described in our Privacy Policy.

Where certain features involve third-party providers (including fiat-related services), such providers may process your personal data under their own privacy notices and terms. JOIN encourages you to review such third-party documentation before using their services.

For privacy-related requests, you may contact us at: contact@getjoin.io

10. Acceptable Use

You agree not to:

• use the Services for unlawful purposes;
• attempt to bypass security or access controls;
• interfere with system integrity or performance;
• use the Services to launder funds or evade sanctions.

JOIN reserves the right to suspend or restrict access for violations.

11. Limitation of Liability

To the maximum extent permitted by law:

JOIN shall not be liable for:

• loss of digital assets;
• indirect, incidental, or consequential damages;
• protocol failures, hacks, or exploits;
• network congestion, forks, or blockchain re-organizations;
• frozen, delayed, rejected, or reversed fiat transactions;
• compliance or regulatory decisions taken by Payment Partners.

JOIN's total liability, if any, shall not exceed the amount paid by you to JOIN for the Services during the previous twelve (12) months.

12. Indemnification

You agree to indemnify and hold harmless JOIN, its officers, employees, and partners from any claims, damages, or losses arising from:

• your use of the Services;
• your violation of these Terms;
• your interaction with Third-Party Services.

13. Availability & Modifications

JOIN may:

• modify or discontinue Services at any time;
• update these Terms periodically.

Updated Terms will be published on the Website. Continued use constitutes acceptance.

14. Termination

JOIN may suspend or terminate access:

• for breach of these Terms;
• for legal or regulatory reasons;
• to mitigate security risks.

Termination does not affect provisions that should survive, including liability limitations.

14A. Complaints and Dispute Resolution Procedure

14A.1 Contact and Informal Resolution

If you have a complaint or dispute regarding the Website or Services, you agree to contact JOIN first and provide a detailed description of the issue. We will use reasonable efforts to address your request promptly.

Complaints should be sent to: contact@getjoin.io with the subject line: "Complaint / Dispute".

14A.2 Response Time

JOIN will acknowledge receipt and provide a substantive response within a reasonable timeframe, typically within 15 business days, unless the matter is complex and requires additional time, in which case we will keep you informed.

14A.3 Good-Faith Negotiation

Before initiating court proceedings, you and JOIN agree to attempt to resolve the dispute in good faith through written exchanges for at least 30 days from the date the complaint is submitted.

14A.4 Mediation (Optional)

Where permitted by applicable law, either party may propose mediation before a competent mediator. Unless otherwise agreed, each party bears its own costs and shares mediator fees equally.

14A.5 Third-Party Services

If a complaint relates to Third-Party Services (including fiat services), you acknowledge that JOIN may direct you to the relevant provider's complaint process, as JOIN may not be able to investigate or resolve matters controlled by third parties.

15. Regulatory Status Disclaimer

JOIN is not:

• a bank;
• a payment institution;
• an electronic money institution;
• a custodian.

JOIN provides technical infrastructure only and does not act as a regulated financial intermediary.

16. Governing Law & Jurisdiction

These Terms are governed by the laws of France.

Any dispute shall fall under the exclusive jurisdiction of the courts of Nantes, unless mandatory law provides otherwise.

17. Contact

For any questions regarding these Terms: