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Definitions
Eligibility
Personal Account Registration and Maintenance
Vendor Account Registration
Restrictions
Money Transfer Options
No Financial or Professional Advice
Account Limits
Communications and Negotiations.
Transaction Cancellation
Payment and Fees
Refunds
Account Termination and Suspension
Intellectual Property Rights
Dispute with Community Members
Dispute Resolution Procedure
Arbitration and Governing Law
Disclaimer of Warranties
Limitation of Liability
Indemnification
General Provisions

User Agreement

Last Updated: April 05, 2022

This User Agreement is entered into between you (hereinafter referred to as “user”, “customer”, “you” or “your”) and FiatMatch, Inc (“FiatMatch”, “we”, “us”, “our”, or “Company). You must carefully read this User Agreement and our Privacy Policy (collectively referred to as “Agreement”) before using any of the services available through the FiatMatch website and mobile application (collectively, “Services). By accessing or using any of our Services, you confirm that you have read, understand, agree, and accept to be bound by this User Agreement and our Privacy Policy. FiatMatch is a financial technology company headquartered in Canada with a value-focused peer-to-peer international money transfer community marketplace for immigrants, offshore workers, freelancers, and small businesses. In addition to our financial solutions, FiatMatch also offers immigrant support initiatives including The Immigrant Library, FiatVault Podcast, and FiatSuccess Events.

Definitions

  • Fiatmatch Remittance Marketplace is our online money transfer community that connects you and other community members directly to various foreign exchange and money transfer sources.

  • FiatMatch Community Members (FiatMatchers) are all individuals like you, local currency providers and businesses registered to engage in international money transfer services on the FiatMatch Remittance Marketplace via our website, web application and mobile application.

  • Community Offers are offers posted to FiatMatch Remittance Marketplace by other individuals like you.

  • Vendor Offers are offers posted to FiatMatch Remittance Marketplace by local currency exchange shops and vendors.

  • Recipient is the person you select to be the beneficiary of the money you want to send via the FiatMatch Remittance Marketplace.

  • Mid-Market Rate is the actual and official market rate, and the midpoint between the buy and sell prices of any two currencies.

  • Parallel Market Rate is the black-market rate or the currency exchange rate in a dual system.

  • KYC is the acronym for Know Your Customer, a regulatory and mandatory requirement of identifying and verifying the identity of customers when opening and registering an account with us.

  • Transfer Rules are guidelines, announcements, regulations, and rules of engagement across all FiatMatch Services, disseminated via email, notification center on the user dashboard, or within our mobile app or website.u.

  • Offers (Post Offers, See Offers, and Default Offer) give you the flexibility to choose your most preferred way of sending money. You can post an offer, or view offers posted by other FiatMatch community members, or you may decide to use the default offer of the day.

  • Negotiations are optional. When posting a currency exchange offer, every user is presented with the option to open their offer for negotiation or select a fixed rate. When negotiation is prompted, an interested buyer and seller can negotiate currency rates via a private instant messaging session where the selected rate can be adjusted as agreed by both parties.

  • Top-up services are global mobile airtime top-ups, gift-card purchases and utility/bill payments.

Eligibility

To register and be eligible to use Fiatmatch Services, you must:

  • Fiatmatch Remittance Marketplace is our online money transfer community that connects you and other community members directly to various foreign exchange and money transfer sources.

  • Have the capacity to enter into a legally binding agreement;

  • Accept and agree to the terms of this User Agreement and our Privacy Policy

  • Be at least 18 years or older;

  • Open and use the account exclusively for yourself and not on behalf of a third-party or entity;

  • Be a resident of a jurisdiction FiatMatch operates;

  • Accept, comply and agree to be bound by all applicable local, national and international laws, rules and regulations;

  • Not use or intend to use the service for any criminal activity or violate any applicable laws, rules and regulations, including but not limited to anti-money laundering and anti-terrorist financing;

  • Not be an existing FiatMatch account holder or previously suspended, removed or banned from using any of FiatMatch services;

Personal Account Registration and Maintenance
We require that you create an account before you can gain access to our international money transfer and top-up services. All information provided by you to us must be true, accurate, and complete. To ensure the accuracy and truthfulness of your information; to ensure the safety of all FiatMatchers; and to comply with relevant laws, rules and regulations, you agree and authorize FiatMatch to obtain information about you and verify your identity and the truthfulness of the information you provide to us through relevant third-party KYC (know-your-customer) resources. If we believe or detect that you provided missing, untrue, incomplete, or misleading information, we may refuse, suspend or discontinue your access to our Services.

You must not create or have more than one account.

You must never share your login information with any other person or entity.

You must, at all times, ensure the utmost security of your account. It is your responsibility to safeguard your account by protecting your username, password, personal identification number (PIN), one-time-passcodes, and other authentication codes and biometric information used to access your account.

FiatMatch assumes no liabilities for any loss arising from the use of your account by you or any third party or entity with or without your authorization.

In your account dashboard, you will find various security options to safeguard your FiatMatch account. We expect you to activate all security features to provide multi-layered protection of your account.

If you believe the security of your account is compromised, CONTACT US immediately at support@fiatmatch.com, and change your password and PIN (personal identification number) at once.

Business Account Registration
Businesses that are interested in using our services to pay offshore employees or suppliers are required to create an account in the legal business name and provide relevant KYB (know-your-business) information to help us verify the legitimacy of the business and the identity of major shareholders of the company. Business account registration can only be created by an authorized representative of the company. For all business account inquiry, please contact us at info@fiatmatch.com.

Vendor Account Registration
Local currency shops or currency exchange agents who are interested in listing currency exchange offers on the FiatMatch Remittance Marketplace must be registered by FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) or the applicable authority in the jurisdiction they operate, given that FiatMatch operates in that region as well. For all partner account inquiries, please contact us at info@fiatmatch.com.

Restrictions


  • You must never use or intend to use our services for fraud, money laundering, terrorist activities, human trafficking, gambling services, purchase or sale of firearms, tobacco or other controlled substances, or for any purpose that is unlawful or violates any applicable local, national, or international laws, rules and regulations.

  • You must never use or intend to use our services for activities associated with any form of adult content or website, sexually-oriented or escort services, pornographic or obscene materials or services.

  • You must never use our service to harass, intimidate, abuse, threaten or incite violence, hate or discrimination.

  • You must not engage in phony activities including but not limited to using malware to disrupt our services, hacking usernames or password mining, using a proxy to access our services, testing the vulnerabilities of our services, directing large load to our servers, engaging our services with the intention to copy or replicate any part of our website, web app, or mobile application.

  • You must never share your personal or contact information with other FiatMatch Community Members.

  • You must never send money directly to other FiatMatch Community Members.

  • FiatMatch is a peer-to-peer international money transfer company and not an FX trading company. You must never use our marketplace for FX Trading or for currency manipulation.

Money Transfer Options

FiatMatch Remittance Marketplace provides you with three different channels for sending money abroad, all of which connect you directly to currency exchange sources.

  • Community Offers
    This is our peer-to-peer money transfer channel which allows you to view and send money using offers posted by other community members like you. You can also post currency exchange offers in the marketplace and wait for other community members to contact you. When you or other members activate negotiation, you are signalling that you are open to negotiation and willing to reduce the original currency rate you provided in your advertisement.

  • Vendor Offers
    These are offers made available directly by local currency shops, agents or vendors. They are typically not negotiable but in very few instances, local partners may provide the option to negotiate their rates.

  • Default Offer:
    If speed is of the essence and you are not interested in either posting an offer or negotiating with other community members, you can utilize the default offer to send money in minutes.

No Financial or Professional Advice
FiatMatch is not your agent, broker or advisor and has no fiduciary relationship or obligation to you in connection with you swapping or exchanging currencies with other users in the Fiatmatch Remittance Marketplace or for other decisions you make when using the Services. No information including but not limited to currency rates provided on the FiatMatch Remittance Marketplace or to you by FiatMatch is intended as or shall be considered or construed as, trading advice, financial advice, or any other kind of advice.

Account Limits
FiatMatch reserves the right to set, increase or decrease account threshold and limits. You may request a limit increase in special circumstances, e.g., when paying tuition fees. However, we may request additional information when you make such requests.

Communications and Negotiations.
For your safety and the security of our community marketplace, it is mandatory that all your communications with other users relating to negotiations and currency exchanges remain in the private chat room on our platform, where they can be reviewed by a FiatMatch staff in case of any disputes. NO COMMUNICATIONS SHOULD BE TAKEN OUTSIDE THE CHAT ROOM. NO PERSONAL OR CONTACT INFORMATION MUST BE EXCHANGED WITH OTHER COMMUNITY MEMBERS, AND YOU MUST NEVER SEND MONEY DIRECTLY TO OTHER COMMUNITY MEMBERS. When you have negotiated and agreed on a rate with a community member, each party to the negotiation must send the money to FiatMatch for execution and disbursement to each party’s recipient.


When you post an offer, you will receive a notification immediately after another user shows interest. You are expected to proceed to our platform at once. NOTE: All members must be respectful in their conversations with other members. If you activated negotiation, you are required to chat with the interested community member and find a mutually acceptable rate. Make sure you are able and ready to make payment within 15 minutes before confirming your acceptance of the rate and clicking the button to proceed to payment. We ask that you do not initiate a chat session or waste the time of others if you are not interested in completing the transaction.

When you post an offer with a fixed and non-negotiable rate, you must make payment to FiatMatch immediately you receive notification that your offer has been accepted by another user.

When you post a negotiable offer or agree and confirm to another community member your intent to proceed with a negotiated currency exchange offer, you must complete the transaction. Do not enter into a negotiation with any FiatMatch Community Member, or post an offer in the marketplace if you do not intend to complete the transaction.

While you are free to negotiate at will with other FiatMatch community members, we strongly advise that you do not waste the time of others. NOTE THAT YOUR ABILITY TO ACCESS OFFERS THAT ARE OPEN FOR NEGOTIATION MAY BE RESTRICTED IF UNUSUAL BEHAVIOUR IS DETECTED.

Transaction Cancellation
You may request to cancel a transaction at any time during rate negotiation with another community member. DO NOT AGREE OR CONFIRM THAT YOU WANT TO PROCEED WITH A TRANSACTION AFTER NEGOTIATING A RATE IF YOU DO NOT WISH TO COMPLETE THE MONEY TRANSFER REQUEST. IF, HOWEVER, YOU HAVE MADE PAYMENT TO US TO COMPLETE YOUR MONEY TRANSFER REQUEST AND YOU DECIDE AFTERWARDS THAT YOU DO NOT WANT TO CONTINUE WITH THE TRANSACTION, YOU MAY BE ELIGIBLE TO REQUEST A REFUND IF THE MONEY TRANSFER STATUS IS PENDING AND THE FUNDS ARE NOT ALREADY DISBURSED TO YOUR RECIPIENT. A REFUND FEE OF $3 WILL BE DEDUCTED FROM YOUR FUNDS WHEN YOU MAKE SUCH A REQUEST. YOU, THEREFORE, UNDERSTAND AND AGREE THAT FIATMATCH WILL NOT BE RESPONSIBLE TO MAKE REFUNDS TO YOU OR ANY THIRD-PARTY FOR COMPLETED TRANSACTIONS WHERE FUNDS ARE ALREADY DISBURSED TO YOUR RECIPIENT.

Payment and Fees
Acceptable payment methods for your country or region will be displayed to you when you initiate a transaction. An applicable (flat) per transaction fee will also be displayed to you if applicable. By confirming to proceed with a transaction, you agree and authorize us to deduct any applicable fees from the payment you make to us to complete your money transfer and/or refund request.

Refunds
You will be entitled to a full refund when you make payment to us and the other party to a negotiated transaction fails to make payment to us for the same transaction. In certain circumstances where you and the other party to a negotiated transaction have made payment to us and you decide to request a refund and not continue with the transaction, a refund minus a $5 fee will be charged to you. Note, refunds will only be made to the payment source you used to make payment to us.

NOTE: WE DO NOT MAKE REFUNDS FOR COMPLETED TRANSACTIONS AND FUNDS THAT ARE ALREADY DISBURSED TO YOUR RECIPIENT. If you do not wish to proceed with a transaction, do not confirm an offer or make payment to us to complete your money transfer request.

Account Termination and Suspension

FiatMatch reserves the right to suspend, freeze or close your account at any time. When a freeze or suspension is placed on your account, your transaction will be delayed and you may or may not be entitled to a refund. We may suspend, freeze, or close your account for any of but not limited to the following reasons: 

  • If we suspect misuse or have reason to believe that you are engaged in suspicious activity; 

  • If you falsified or provided misleading verification information about yourself or your finances

  • If you attempt to engage or use our services for money laundering, terrorist financing or any fraudulent activity

  • If you use or attempt to use a fraudulent payment instrument to complete a transaction

  • If you use an anonymizing proxy to access FiatMatch services

  • If you violate any applicable laws, rules and regulations

  • If you violate any of our community rules including but not limited to using discriminatory language, harassing, intimidating, threatening, or engaging in disrespectful behaviour

  • If you by any means engage in or attempt to copy or reverse engineer all or any part of our website or mobile application

  • If you refuse to cooperate in an investigation involving your use of the services

  • If you are in violation of this User Agreement or any of our policies

We may further proceed to close your account if we find you to be in violation after investigating your account activities.

Intellectual Property Rights
All right, title and interest in FiatMatch Services, the application and website, and all its related content, including technology and trade secrets embodied therein and any developments created or provided in connection or related to FiatMatch Services and the website, including all copyrights, patent rights, trade names, author’s rights, publicity rights, privacy rights, concepts, algorithms, computer code user interfaces, other proprietary rights, and any derivative works are the intellectual property of and are owned by FiatMatch or its licensors, suppliers and affiliates. You hereby agree that this User Agreement only grants you a limited license to access and use the Services, and does not transfer the ownership of any FiatMatch Intellectual Property to you. You, therefore, further agree that all content and materials included as part of the Services, including but not limited to logos, text, graphics, icons, buttons, data, forms, photographs, images, video and audio clips, templates, and other materials are the property of FiatMatch and its affiliates. All feedback, reviews, recommendations, suggestions, ideas or other forms of information (“Customer Feedback”) provided to us by you in connection to the Service, whether through surveys, chat, email, or any other form, shall immediately become the property of FiatMatch. You hereby waive any request for compensation for the Customer Feedback and transfer all rights, ownership and interests in the Customer Feedback to FiatMatch without restriction.

Dispute with Community Members
DO NOT SEND MONEY DIRECTLY TO ANY OTHER USER. ALL FUNDS TO COMPLETE A TRANSACTION MUST BE SENT TO FIATMATCH. YOUR ACCOUNT WILL BE DEACTIVATED AND CLOSED IF YOU VIOLATE THIS COMMUNITY RULE.

FiatMatch will make a reasonable effort to resolve a dispute when you are in disagreement with any other FiatMatch community member or a third party in connection to your use of the services. When disagreements occur, FiatMatch Support Team will initiate a mediation process to resolve the dispute. You agree to negotiate in good faith to resolve the dispute. You understand, agree and accept that while FiatMatch will make reasonable effort to assist in resolving disputes, your use of the Services is at your sole risk and you assume all risks associated with negotiating or entering into a currency exchange trade/swap with other FiatMatch Community Members. You, therefore, release FiatMatch from all liabilities, claims and damages of every kind and nature, known and unknown, arising out of or related to a dispute or in connection to the use of the services, or the failure of the other community member, vendor or third party to perform as agreed or abide by the terms of this User Agreement.

Dispute Resolution Procedure
You are required to contact our support team at support@fiatmatch.com immediately after an issue occurs to raise a ticket and commence an investigation into the matter. During the investigation period, you are required to remain active and responsive such that you provide a response to any requests made by our support team within a day or less. Failure to cooperate or respond within one day may lead to the dispute being resolved against you. In the event that the dispute cannot be resolved satisfactorily or you believe that the resolution to the dispute was not in accordance with this User Agreement, you have a right to request a review by contacting our support team within fifteen days of the previous resolution. Such review will be escalated to our Level 2 support team.

Arbitration and Governing Law
You and FiatMatch and/or FiatMatch Community Members agree that any dispute, controversy, or claim arising out of or relating to this User Agreement including any question regarding its existence, interpretation, validity, breach, termination, or disagreement of any kind (whether based on tort, statute, fraud, misrepresentation, or any other legal framework) shall be determined by a single, final, and binding arbitration. Such arbitration shall be held in Toronto, Province of Ontario Canada, in English Language, and in accordance with the Canadian Arbitration Association Arbitration Rules. By accepting to use FiatMatch Services and entering into this Agreement, you waive the right to litigate in court or bring or participate in a class action against


FiatMatch. Neither you nor we may be a representative of other potential claimants or a class of potential claimants in any dispute, nor may two or more individuals’ disputes be consolidated or otherwise determined in one proceeding.

Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW THE SERVICE IS PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT OR WARRANTIES ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE IN TRADE. WITHOUT LIMITING THE FOREGOING, FIATMATCH DOES NOT REPRESENT OR WARRANT THAT THE SERVICES, CONTENT OR MATERIALS ARE ACCURATE, ERROR-FREE, COMPLETE, RELIABLE, OR CURRENT OR OTHERWISE REPRESENT THAT THE SERVICES, CONTENT OR MATERIALS ARE FREE OF VIRUSES, BUGS, TROJANS, WORMS OR OTHER HARMFUL COMPONENTS. ANY CONTENT OBTAINED AND/OR DOWNLOADED FROM THE WEBSITE, WEB APPLICATION, MOBILE APPLICATION OR THROUGH THE USE OF FIATMATCH SERVICES IS DOWNLOADED SOLELY AT YOUR OWN RISK. BY USING THE SERVICES, YOU UNDERSTAND AND AGREE THAT FIATMATCH IS NOT RESPONSIBLE FOR ANY CONTENT GENERATED BY COMMUNITY MEMBERS AND/OR VENDORS ON THE FIATMATCH REMITTANCE MARKETPLACE INCLUDING BUT NOT LIMITED TO CHATS, MESSAGES, POSTED OFFERS, COMMUNITY OFFERS, ACCEPTED OFFERS, VENDOR OFFERS AND MAY REMOVE SAID CONTENT WITHOUT NOTICE OR LIABILITY AT ANY TIME IN ITS SOLE DISCRETION. FIATMATCH DOES NOT GUARANTEE THAT ANY CURRENCY RATE QUOTATION, POSTED OFFER, COMMUNITY OFFER, ACCEPTED OFFER OR VENDOR OFFER WILL REMAIN AVAILABLE OR BE ACCEPTED, EXECUTED, OR PROCESSED IN A TIMELY MANNER. WITHOUT LIMITING THE FOREGOING, YOU HEREBY UNDERSTAND AND AGREE THAT FIATMATCH WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES ARISING FROM THE ACTIONS OF ANOTHER USER OR THIRD PARTY, OR FOR DAMAGES RELATING TO ANY INACCURACY OR OMISSION OF CURRENCY RATE DATA, ANY ERROR OR DELAY IN THE TRANSMISSION OF SUCH DATA, OR DAMAGES RELATING TO OR ARISING OUT OF REGULAR OR UNSCHEDULED MAINTENANCE AND/OR SERVICE INTERRUPTION AND CHANGE RESULTING FROM SUCH MAINTENANCE CARRIED OUT BY FIATMATCH. FIATMATCH RESERVES THE RIGHT TO MODIFY OR DISCONTINUE, TEMPORARILY OR PERMANENTLY, ALL OR ANY PART OF THE SERVICES, WITH OR WITHOUT NOTICE, AND/OR TO ESTABLISH GENERAL GUIDELINES AND LIMITATIONS ON THEIR USE.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES. THEREFORE, THE FOREGOING MAY NOT APPLY IF AND TO THE EXTENT IT IS PROHIBITED BY APPLICABLE LAW IN YOUR JURISDICTION OF RESIDENCE.

Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FIAMTATCH, ITS AFFILIATES, LICENSORS, DIRECTORS, OFFICERS, REPRESENTATIVES, EMPLOYEES, AGENTS, SERVICE PROVIDERS OR PARTNERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, INFORMATION, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE PERFORMANCE OR NON-PERFORMANCE OF FIATMATCH SERVICES OR OTHER SERVICE OR PRODUCT PROVIDED ON BEHALF OF FIATMATCH, WHETHER UNDER CONTRACT, STATUTE OR ANY OTHER THEORY EVEN IF FIATMATCH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES RESULTING FROM NEGLIGENCE, WILFUL MISCONDUCT, OR INTENTIONAL VIOLATION OF APPLICABLE LAW BY FIATMATCH OR ITS PAYMENT PARTNERS. IN NO EVENT SHALL THE LIABILITY OF FIAMTATCH, ITS AFFILIATES, LICENSORS, DIRECTORS, OFFICERS, REPRESENTATIVES, EMPLOYEES, AGENTS, SERVICE PROVIDERS OR PARTNERS EXCEED THE SUM OF $100.00 IN ADDITION TO REFUNDING THE AMOUNT YOU PAID IN FEES AND TRANSACTION AMOUNT.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES. THEREFORE, THE FOREGOING MAY NOT APPLY IF AND TO THE EXTENT IT IS PROHIBITED BY APPLICABLE LAW IN YOUR JURISDICTION OF RESIDENCE.

Indemnification
You agree to fully defend, indemnify and hold harmless FiatMatch, its affiliates, licensors, directors, officers, representatives, employees, agents, contractors, service providers and partners from and against any and all claims, liabilities, actions, suits, proceedings, costs, expenses, losses or damages (including reasonable attorney fees, expert witness fees, expenses and costs of settlement) arising out of or related to
(i) your use of or access to the Service
(ii) your breach or violation of this User Agreement
(iii) your violation of any third-party right or applicable law, rule or regulation.

GENERAL PROVISIONS

Severability
If any provision of this User Agreement is found to be invalid or unenforceable, such provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions in this Agreement shall otherwise remain in full force and effect, and enforceable.

Entire Agreement
This User Agreement constitutes the entire agreement between you and FiatMatch regarding your use of the service and will supersede and cancel all prior written and oral agreements between you and FiatMatch.

Modification and Revision
We reserve the right to modify or revise or change this User Agreement at any time without notice to you. It is your sole responsibility to regularly check and review the latest version of this User Agreement. You may close your account or terminate your use of the Services if you do not agree to any modification, change or amendment made to this User Agreement. By continuing to use the Service after the effective date published on the updated User Agreement, you shall be deemed to have consented and accepted such modification, change or amendment.

Notices
You consent and agree to us providing notices or communicating with you, from time to time, regarding your use of FiatMatch Services (including but not limited to your account activities, transaction records, customer service communications, updates to this user agreement and other user policies, promotions, advertisements and any other information relating to the Service or FiatMatch) through your registered email, mailing address, or by calling or sending pre-recorded messages, or text messages to the phone number you provided to us. All communications shall be deemed to have been delivered and given for all purposes (i) 24 hours after an email or prerecorded message call or text message is sent to you without a failed delivery notification (ii) on the delivery date if delivered by hand courier to you and, (iii) two (2) business days after deposit with a commercial overnight carrier.

Assignment
FiatMatch may transfer or assign any of or all of its rights and obligations under this User Agreement at any time without prior consent or notice to you.

Third-party websites
When you access links to any third-party website or third-party resources on our website, you do so at your sole risk. Any links to third-party websites or third-party resources on our website are provided for your convenience and does not imply endorsement by FiatMatch of such third-party’s website, product, content or any other resources. You understand and agree that under no circumstances will FiatMatch be held responsible or liable, directly or indirectly, for any damage, liability or loss that is caused or alleged to have been caused to you in connection with your use of, or reliance on any third-party website or third-party resources.

Security
The security of your personal information and FiatMatch account is our utmost priority. Our systems and security procedures are designed to ensure the safety of your personal information. To ensure unauthorized access to your account, we have established various encryption protocols and multi-layered identity verification processes including face-matching, one-time-passcodes (OTP), personal identification numbers (PINS), and device and activity detection software. We ask that you use a very strong password and activate all the security features made available to you within your FiatMatch account. FiatMatch assumes no liability for any loss or consequences caused by authorized or unauthorized use of your FiatMatch credentials and account. We urge you never to share your FiatMatch account information with anyone and do not send money to people you do not know well. If you suspect or think you have been a victim of fraud, please notify our support team immediately by sending us an email at support@fiatmatch.com.


Force Majeure
FiatMatch shall not be liable for any delay or failure to perform its obligations under this User Agreement if the cause of such delay or failure is beyond FiatMatch’s reasonable control including but not limited to natural disasters, war, civil unrest, revolutions, embargoes, terrorist acts, changes in laws or governmental regulations, acts or omissions of third party technology providers, riots, fires, earthquakes, floods, power blackouts, strikes, weather conditions, or acts of hackers, internet service providers or any other third party or acts or omissions by you or any FiatMatch Community Member.

Waiver
The failure of one party to enforce or exercise the performance of any right or provision of this User Agreement shall not be construed as a waiver of any subsequent breach or violation of the same or other provisions.

Language
It is understood and agreed between the parties that the official language for this User Agreement and all related documents shall be the English language.

Headings
The heading references herein are included for convenience purposes only and shall not be deemed to limit or affect the meaning or construction of any of the provisions hereof.

Contact Informations
For all questions, concerns, comments, or complaints relating to this User Agreement, contact us a support@fiatmatch.com.

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