USER AGREEMENT
This User Agreement (hereinafter referred to as the "Agreement") is made between the following
parties:
(1) m0ne S. R. O., with its registered office at: Hlavná 47 930 35 Michal na Ostrove, ID No.: 54 661 714,
registered in the Commercial Register of the District Court Trnava, section: Sro, insert no. 51801/T
(hereinafter referred to as "m0ne S. R. O." and contextually as "we" or "our") (m0ne S. R. O. may also
specify any of the affiliated companies in the m0ne S. R. O. group; and
(2) You, as a user interested in obtaining services from m0ne S. R. O. according to this Agreement
(hereinafter referred to as the "User" and contextually as "You" or "Your");
m0ne S.R.O. and the User are collectively referred to as the "Parties" and individually as a "Party".
Crypto-assets, cryptocurrencies, and other assets utilizing distributed ledger technologies (hereinafter
collectively referred to as "crypto-assets") and the related market present an increased level of risk due
to their early technological stage, as well as associated risk of price volatility. Due to such volatility, the
price of these assets may rise and fall significantly faster than other assets. In some cases, there may
also be a complete devaluation of these assets due to third-party actions or technological failures. Thus,
acquisition and ownership of crypto-assets carry specific challenges and risks, which usually do not apply
to currencies or m0ney issued and guaranteed by states or supranational entities, such as (fiat)
currencies.
Given the early technological stage of crypto-assets as global assets, it is possible that the offer and/or
use of crypto-assets or disposition of them may be limited, conditional, or prohibited based on general
legal regulation in some countries.
m0ne S. R. O., to reduce risks associated with crypto-assets and to provide access to this technology,
offers crypto-asset exchange and wallet services, as well as other services related to crypto-assets
through https://www.cryptohub.sk/, https://nowpayments.io/, https://paynexpay.com/,
https://www.kraken.com/, https://www.binance.com/en. https://www.bybit.com/en/,
https://whitebit.com/, www.acechange.io, and directly at the offices of m0ne S.R.O. or at another pre-
agreed location (including its language versions) or any other website or software solution operated or
owned by m0ne S. R. O. (hereinafter collectively referred to as the "Platform").
The crypto-asset market is volatile, and the value of crypto-assets can therefore quickly increase as well
as decrease. For this reason, investment in crypto-assets is currently considered risky, and m0ne S. R. O.
has the necessary permissions to provide services related to crypto-assets in accordance with the legal
regulations of the Slovak Republic.
Considering the risk profile of crypto-assets, it is recommended to invest only a portion of disposable
funds that you have allocated for investment purposes, and which portion you are willing to lose in the
event of a downturn. It is not recommended to invest funds that are borrowed or could otherwise affect
your living situation. m0ne S. R. O. cannot guarantee a certain return, nor credibly predict the market
direction of crypto-assets, where past returns are not a guarantee of future results.
The User acknowledges that they have entered into a separate agreement for using the Platform.
1. SUBJECT OF THE AGREEMENT
1.1 The subject of the Agreement is the provision of services related to crypto-assets by m0ne S. R. O. in
favor of the User. Based on this Agreement, m0ne S. R. O. will provide the User with the following
services:
Advisory services in relation to crypto-assets ("Advisory Services");
Services of converting the User's funds into crypto-assets currencies, services of converting
between crypto-assets, and services of converting crypto-assets into fiat m0ney ("Exchange
Services");
Other services agreed between the Parties (hereinafter collectively referred to as "Services").
POS terminals designed for processing cryptocurrency transactions.
1.2 Within the provision of Services, m0ne S. R. O. offers combinations of them within the products
specified in the annexes to this Agreement, or other products described in accordance with the terms of
the Agreement on the Platform:
m0ne S.R.O. Portfolio Products
m0ne S.R.O. POS terminal
m0ne S.R.O. Custody
m0ne S.R.O. Exchange operations
m0ne S.R.O. Advisory services
m0ne S.R.O. Staking
m0ne S.R.O. Courses
(hereinafter collectively referred to as "Products" and individually as a "Product"). Products represent
various combinations of Services with specific conditions for their provision. Details about the conditions
and functionality of the Products are provided on the website www.cryptohub.sk. m0ne S. R. O. reserves
the right to introduce and make Products available under this Agreement, especially according to the
User's location conditions and likewise reserves the right to make certain Products available exclusively
to a specific group of users under the specific conditions of the respective Product. m0ne S. R. O. also
reserves the right to expand the range of Products, or to modify the access conditions of individual
Products in accordance with the provisions of this Agreement.
2.USER REGISTRATION
2.1 Before providing Services, the User is required to enter into an agreement on the terms of using the
Platform, to complete their registration on the Platform by creating a user account ("Account") and to
confirm their registration at www.cryptohub.sk or by signing a contract between m0ne S.R.O. and the
user. Entering into an agreement on the terms of using the Platform with m0ne S.R.O. is a prerequisite
for the provision of Services under this Agreement.
2.2 A User can be a natural person older than 16 years or a legal entity that has met the conditions of
this Agreement and has been duly provided with care in accordance with its terms or the terms of the
AML Directive.
3.ACTIONS BEFORE PROVIDING SERVICES
m0ne S. R. O. is an obligated entity under § 5 para. 1, letter o), p) of the Act No. 297/2008 Coll. on
protection against the legalization of proceeds from criminal activity and on protection against financing
terrorism and on amendments to certain acts (hereinafter referred to as the "AML Act"). In this regard,
m0ne S. R. O. is obliged, before providing Services under this Agreement, making a deposit under this
Agreement, or other actions under this Agreement, to classify the User in accordance with the
provisions of the AML Act as well as actions in accordance with the AML Directive m0ne S. R. O.,
especially the Risk Assessment Policy (hereinafter referred to as "Classification").
3.1 Basic Due Diligence
Under the AML Act and AML Directive and in accordance with the conditions stated therein, m0ne S. R.
O. is authorized to require from Users, who are natural persons, data in the following extent:
- name and surname;
- personal identification number (if not assigned, then the date of birth);
- nationality;
- gender;
- address of permanent residence or other authorized residence; and
- type and number of identity document (hereinafter referred to as "Identification Data").
- In addition to the mentioned data, for the purposes of future provision of Services (and before
providing) Services beyond the scope of Identification Data, m0ne s. r. o is obligated under legal
regulations to request from the User the provision of supporting information and documents,
for example:
- a copy of the identity document;
- confirmation of permanent residence or other authorized residence;
- documents proving the place of residence, such as a duly issued invoice for the supply of
electricity or other services, or a bank statement indicating the identification data and the
consent address of the User, an extract from the register of residents);
- a photo of the User's likeness (selfie) together with clearly readable data from the
- identity document and a recognizable face of the User;
- information about the origin of financial resources.
- m0ne S. R. O. is obliged to provide basic due diligence in accordance with this Agreement in line
with the conditions of the AML Act and AML Directive to the User who is a legal entity. For the
purpose of providing basic due diligence to the User who is a legal entity, m0ne s. r. o, is
required to request the following information or documents:
- trade name;
- ID number;
- registered office address;
- identification data of the registration in the relevant registry;
- a copy of identity documents of statutory bodies and ultimate beneficial owners of the User and
their data to the extent of their Identification Data according to article 3.1 of this Agreement;
- confirmation of the registered office address (duly issued invoice for the supply of electricity, or
bank statement indicating the identification data and consent address of the User, extract from
the Commercial Register or similar register);
- photograph of the likeness of the person (selfie) establishing the User's Account together with
clearly readable data from the identity document with a recognizable face, as well as
Identification Data of such person;
- article 3.1 of this Agreement, if the partners are natural persons, and in the case that the
partners of the User are legal entities, to the extent of
I) trade name,
II) ID number,
III) registered office address of the User's partner,
IV) identification data of the User's partner relating to the entry in the relevant registry; Information
about the origin of financial resources.
3.2 Enhanced Due Diligence
If m0ne S. R. O., based on a risk analysis in accordance with the conditions of the AML Act and/or AML
Directive, assesses that a particular User represents a higher risk of m0ney laundering or terrorism
financing, m0ne S.R.O. Is entitled and obliged to request information or documents beyond the scope
required for providing simplified due diligence or basic due diligence according to articles 3.1 and 3.2 of
this Agreement from the respective User, m0ne S.R.O. is authorized to conduct enhanced due diligence
in relation to the User under this Agreement and in accordance with the AML Act, both at the request of
the relevant authority and/or other authorized institution, as well as at its own discretion for the
purposes of fulfilling its statutory and other obligations, such as requesting a tax return, bank statement,
or document proving the source of income or another document of the User.
3.3 Accuracy and Currency of Provided Information
The User is responsible for the truthfulness, correctness, and completeness of the data provided to
m0ne S.R.O., especially the data provided during registration and for the purposes of identity
verification and other actions anticipated by this Agreement, m0ne S.R.O. assumes that these data are
accurate and hereby disclaims any liability for any damage that may arise or could arise as a result of any
errors, inaccuracies, incompleteness, and/or other deficiencies in the provided information. By providing
any information under this Agreement, the User confirms that the information provided to m0ne S.R.O.
is truthful, accurate, and complete. In this context, the User commits to promptly notify m0ne S.R.O. of
any changes in the provided information or documents without undue delay from such change, but no
later than within 15 (fifteen) days. m0ne S.R.O. reserves the right, in connection with the verification of
the currency, truthfulness, or accuracy of the data provided by the User, to provide the User with the
corresponding level of due diligence under this Agreement repeatedly throughout the duration of this
Agreement.
3.4 Verification of User's Identity
For the purposes of verifying the provided Identification Data or other data or documents, m0ne S.R.O.
is authorized to take all necessary steps to verify the identity of the User and the identity of the ultimate
beneficial owners of the User, to take necessary steps to protect against fraudulent actions, m0ney
laundering, terrorism financing, or any other illegal activities, directly or through a third party. m0ne
S.R.O. reserves the right, for the purposes of verifying the User's identity, to verify the truthfulness and
completeness of the data and/or documents provided by the User. m0ne S.R.O. will review whether the
data, documents, or other documents that are required to be accepted based on the Agreement meet
the conditions of the Agreement. However, m0ne S.R.O. is not responsible for the authenticity, validity,
and translation of these documents, nor for their content accuracy, or for the truthfulness, correctness,
and completeness of the data contained therein. For the purpose of verifying the User's identity, or
performing actions related to the provision of care in accordance with the AML law, m0ne S.R.O. may
use third-party solutions, including software solutions utilizing biometric verification or artificial
intelligence solutions.
3.5 Payment Connection, Payment Methods
A condition for providing Services under this Agreement is the match of the User's payment connection
data in the Account interface with the User's bank account or another payment account over which the
User has disposal rights. The User may also use other payment methods accepted by m0ne S.R.O. for
the purpose of providing Services, such as postal payment, prepaid vouchers, so-called vouchers, or
other payment methods according to their availability.
3.6 Account Protection
The User is required to maintain the confidentiality of their Account access data, as well as to
adequately secure the protection of devices through which the User accesses the Platform or Account.
The Platform may allow the User to set up two-factor authentication through SMS or a mobile
application, such as Google Authenticator or a similar application ("Two-Factor Authentication"), for the
purposes of certain actions related to the Account. Two-Factor Authentication can be set up through the
Platform.
The User is required to use a suitable device (smartphone, tablet, computer, or another device) for the
purposes of utilizing the Services and using the Platform.
The User is responsible for procuring, maintaining, and ensuring the compatibility of the said device with
software, hardware, or other technical requirements for providing Services, including a stable internet
connection.
m0ne S.R.O. reserves the right, to the extent necessary to secure the Account, to limit the User's right to
dispose of the Account until the provision of the corresponding level of care according to Article 3 of this
Agreement.
3.6.1 m0ne S.R.O. reserves the right to restrict the User's access to the Account if the User does not
provide m0ne S.R.O. with the information or documents necessary for providing the corresponding level
of care under this Agreement or if the User does not provide the required information in the necessary
scope or quality.
3.6.2 m0ne S.R.O. reserves the right to restrict the User's access to the Account in case of reasonable
suspicion that a criminal act or another illegal activity has been or may be committed in connection with
the User's Account.
In the event of a restriction of the User's access to the Account, m0ne S.R.O. commits to Informing the
User of this fact without unnecessary delay, provided that such notification does not conflict with
generally binding legal regulations or the decision of the relevant authority.
4.SERVICES
4.1 Advisory Services
As part of the Services, m0ne S.R.O, provides advisory services in the field of cryptocurrencies, focusing
primarily on security and legislative advice.
4.2 Exchange Services
4.2.1 In connection with crypto-assets, m0ne S.R.O. provides exchange services, i.e., the service of
converting the User's funds into crypto-assets, the service of converting the User's crypto-assets into fiat
m0ney, and the service of converting crypto-assets into other crypto- assets (hereinafter referred to as
"Exchange Services"). In providing Exchange Services, m0ne S.R.O. acts as the seller when selling crypto-
assets to the User and as the buyer when purchasing crypto-assets from the User under this Agreement.
4.2.2 As part of the Exchange Services, or as part of one of the Products, mõne S.R.O. may provide the
service of exchanging crypto-assets for other crypto-assets, or the exchange of crypto-assets for other
assets according to the terms of this Agreement.
4.2.3 m0ne S.R.O. provides Exchange Services. The exchange rate related to the provision of Exchange
Services is listed in the Platform interface. The exchange rate list includes information on the
conversions of deposit values into crypto-assets, or crypto-assets into other crypto-assets.
5. TERMS OF SERVICE PROVISION
5.1 After creating an Account or upon providing the respective level of care under this Agreement, the
User has the option to utilize the Services or Products. The User is required to make a deposit before the
provision of any Service, at least in the amount corresponding to the value of the minimum deposit
according to the valid Price List.
5.2 The User is required to transfer funds in favor of the bank connection of m0ne S.R.O. indicated on
the Platform interface by bank transfer or by using another payment method supported by the Platform
(hereinafter referred to as "Deposit").
5.3 The User is required to make the Deposit exclusively by the methods and under the conditions listed
on the Platform, wherein this context m0ne S.R.O. may require the specification of particular payment
details (specific symbol, constant symbol, or others) that are necessary for the identification of the
User's Deposit. In the case of sending the Deposit from a bank account, it is required to be sent from a
bank account held in the User's name or from an account over which the User has disposal rights or a
similar right.
5.4 Failure of the User to comply with the obligation according to the previous article 5.3 or in
contradiction with other provisions regulating the provision of the Deposit is considered a breach of this
Agreement. In case of such defective performance, m0ne S.R.O. is entitled to demand the User to
remedy the situation (especially by providing the necessary details and proving the disposal authority to
the account with relevant documents), and m0ne S.R.O. is not obliged to provide the User with Services
until compliance with this Agreement is ensured. In this context, m0ne S.R.O. declares that in case of
defective performance by the User, it is not responsible for any damage, harm, or any other adverse
consequence incurred by the User or any third party as a result of breaching the terms of this
Agreement.
5.5 After the value of the Deposit has been credited and the respective care according to this Agreement
has been provided (if required), m0ne S.R.O. is obliged to provide the User with the respective Services.
mõne S.R.O. commits to providing the User with Exchange Services no later than within 15 days from
the day the Deposit is credited in favor of m0ne S.R.O. and the conditions according to the Agreement
are fulfilled.
5.6 By crediting the Deposit into the bank account of m0ne S.R.O., the User gives consent and issues an
irrevocable instruction for the provision of Services. In this context, we would like to emphasize that,
according to relevant legal regulations, the User is not entitled to withdraw from the Agreement within
14 (fourteen) days from the day of crediting the Deposit, given that the provision of Services and
effectively also the price of crypto-assets depends on the movement of prices on the financial market, as
well as other markets which m0ne S.R.O. cannot influence.
5.7 Right to Refuse
m0ne S.R.O. reserves the right to refuse the provision of Services or any part thereof. In the event that
m0ne S.R.O. exercises its right to refuse the provision of Services or in the case that the User fails to
meet the conditions of this Agreement or the care provision conditions necessary for the provision of
Services according to this Agreement within the timeframe specified by this Agreement or another
reasonable period determined by m0ne S.R.O., m0ne S.R.O. is obliged to return the performance
provided by the User, no later than within 30 days from the expiration of the relevant period.
In the case that a Deposit, which has already been converted into crypto-assets and their value at the
time of refund is higher than the original Deposit amount, due to non- compliance with the conditions of
this Agreement, m0ne S.R.O. will only return an amount corresponding to the original Deposit.
In the case that a Deposit, which has already been converted into crypto-assets and their value at the
time of refund is lower than the original Deposit amount, due to non- compliance with the conditions of
this Agreement, m0ne S.R.O. will only return an amount corresponding to the current value of the
relevant crypto-assets at the time of refund.
6. WITHDRAWAL OF FUNDS
6.1 The User is entitled at any time from the date of conclusion of the Agreement to issue an instruction
to sell the crypto-assets in relation to which Services have been provided, especially those acquired from
the Deposit or any part of it. The User is entitled to sell his crypto-assets or part thereof to m0ne S.R.O.
according to the conditions of this Agreement (hereinafter referred to as "Withdrawal").
6.2 For the purposes of Withdrawal, the User must use the Platform interface and follow the relevant
instructions.
7.STATEMENTS OF THE CONTRACTING PARTIES
7.1 m0ne S.R.O. declares and undertakes that:
a) It is a company duly established and existing under the laws of the Slovak Republic and is authorized
to conduct its business activities in accordance with the terms of this Agreement;
b) It is authorized to enter into this Agreement and to exercise all its rights and fulfill the obligations
arising from this Agreement;
c) This Agreement constitutes legally binding and valid commitments of m0ne S.R.O., enforceable
against it, taking into account relevant legal regulations governing insolvency, bankruptcy, restructuring,
and debt relief, which generally affect the enforcement of creditors' rights;
d) The execution and performance of this Agreement and the obligations under this Agreement will not
result in a breach of any legal regulation or contractual or other obligation or founding document of
m0ne S.R.O.
7.2 The User declares and undertakes that:
a) Has the legal capacity and the capacity to perform legal acts necessary for the conclusion of this
Agreement and the provision of Services and is authorized to enter into this Agreement and to exercise
all its rights and fulfill the obligations arising from this Agreement;
b) This Agreement constitutes legally binding and valid commitments of the User, enforceable against
the User, taking into account relevant legal regulations governing insolvency, bankruptcy, and debt
relief, which generally affect the enforcement of creditors' rights;
c) The execution and performance of this Agreement and the obligations under this Agreement will not
result in a breach of any legal regulation or contractual or other obligation;
d) The User has provided and will provide m0ne S.R.O. with truthful, accurate, and complete
information to the extent and manner necessary for the provision of Services and as required by this
Agreement;
e) Will not receive Services other than in accordance with this Agreement or their intended purpose, in
any case, not in violation of generally binding legal regulations;
f) Has sufficiently familiarized themselves with the functionality of the Platform and the Account, as well
as the nature and functioning of crypto asset technologies;
g) Will continuously familiarize themselves with the functionality of the Platform, the terms of Service
provision, and other information related to the performances under this Agreement.
8.USER RIGHTS AND OBLIGATIONS
8.1 The User is obligated to comply with generally binding legal regulations, this Agreement, and respect
the rights of m0ne S.R.O. and third parties while using the Platform,
Account, and receiving Services. Furthermore, the User undertakes not to:
a) Interfere with the functionality of the Platform, Account, or any solutions developed by or for the
benefit of m0ne S.R.O. related to the Services, jeopardize and/or disrupt their continuous operation;
b) Use programs, devices, or procedures that could negatively affect the functionality of the Platform,
Account, or Services;
c) Unlawfully obtain personal data of other users or any information that is the subject of m0ne S.R.O.'s
trade secrets or confidential information; and
d) Use insecure email or disclose Account details to any third party.
8.2 The User is responsible for all activities related to the use of the User's login details to the Account.
In this context, the User is specifically required to:
a) Ensure that adequate security measures, such as closing the internet browser or any other interface
used to access the Account and properly logging out of the Account after each visit to the Platform, are
adhered to upon completion of the use of the Platform;
b) Inform m0ne S.R.O. without unnecessary delay if the User has reasonable suspicion of unauthorized
access to the Account, use or disclosure of the User's login details, unauthorized access or use of the
Account, and/or any other security breach of the Account or the provision of Services.
8.3 The User commits not to use the Services for committing any kind of illegal activity or activity that
could negatively affect m0ne S.R.O., the provision of Services, or other users. In this context, the User
undertakes not to engage in:
a) Unauthorized attempts to alter the functionality or software disruption or other interference with the
Platform, Account, Services, or any of their components;
b) Attempts to gain unauthorized access to the Services or another user's Account;
c) Attempts to bypass or thwart any security measures, including the provision of care regarding the
User according to this Agreement; or
d) Reproduce, duplicate, copy, sell, or trade the Services for any purpose without the consent of m0ne
S.R.O.
8.4 Besides other obligations stated in this Agreement, the User is also required to:
a) Use the Account in accordance with generally binding legal regulations, good morals, and in
accordance with this Agreement;
b) Use exclusively trustworthy devices and adequate protection against computer viruses, spyware
programs, scareware programs, Trojan horse programs, worm programs, or any other malicious
software for accessing the Account and the Platform;
c) Keep the access passwords to the Account or any similar data related to the Account or the fulfillment
of the Agreement secret with an appropriate level of protection.
b) Use programs, devices, or procedures that could negatively affect the functionality of the Platform,
Account, or Services;
c) Unlawfully obtain personal data of other users or any information that is the subject of m0ne S.R.O.'s
trade secrets or confidential information; and
d) Use insecure email or disclose Account details to any third party.
8.2 The User is responsible for all activities related to the use of the User's login details to the Account.
In this context, the User is specifically required to:
a) Ensure that adequate security measures, such as closing the internet browser or any other interface
used to access the Account and properly logging out of the Account after each visit to the Platform, are
adhered to upon completion of the use of the Platform;
b) Inform m0ne S.R.O. without unnecessary delay if the User has reasonable suspicion of unauthorized
access to the Account, use or disclosure of the User's login details, unauthorized access or use of the
Account, and/or any other security breach of the Account or the provision of Services.
8.3 The User commits not to use the Services for committing any kind of illegal activity or activity that
could negatively affect m0ne S.R.O., the provision of Services, or other users. In this context, the User
undertakes not to engage in:
a) Unauthorized attempts to alter the functionality or software disruption or other interference with the
Platform, Account, Services, or any of their components;
b) Attempts to gain unauthorized access to the Services or another user's Account;
c) Attempts to bypass or thwart any security measures, including the provision of care regarding the
User according to this Agreement; or
d) Reproduce, duplicate, copy, sell, or trade the Services for any purpose without the consent of m0ne
S.R.O.
8.4 Besides other obligations stated in this Agreement, the User is also required to:
a) Use the Account in accordance with generally binding legal regulations, good morals, and in
accordance with this Agreement;
b) Use exclusively trustworthy devices and adequate protection against computer viruses, spyware
programs, scareware programs, Trojan horse programs, worm programs, or any other malicious
software for accessing the Account and the Platform;
c) Keep the access passwords to the Account or any similar data related to the Account or the fulfillment
of the Agreement secret with an appropriate level of protection.
8.5 The User acknowledges that m0ne S.R.O. will not contact the User regarding the Account details,
especially the login details to the Account, without prior contact. If the User suspects that they are being
contacted for fraudulent purposes in relation to their Account, they are required to immediately notify
this fact to m0ne S.R.O.
9. FEES
9.1 The provision of Services is subject to fees according to the current Service Fee Schedule (hereinafter
referred to as the "Fee Schedule") available on the Platform. m0ne S.R.O. reserves the right to
unilaterally offset any due fees, expenses, or other claims related to the provision of Services and/or
Products against the User.
9.2 In connection with the provision of Services and any expansion thereof, m0ne S.R.O. reserves the
right to change the Fee Schedule or introduce new fees. m0ne S.R.O. is entitled to change the Fee
Schedule or alter the prices of individual items effective within 14 (fourteen) days from the date of
notifying the User of this change via email. The new Fee Schedule becomes effective upon the expiration
of the 14th (fourteenth) day from the date of notification of the Fee Schedule change to the User.
9.3 Fees are charged separately for individual Products, and the description and scheme of fees
according to the Fee Schedule are as follows:
9.3.1 Exchange Fee represents a fee related to the provision of Exchange Services concerning the User's
Deposit and Withdrawal, covering the associated costs with the conversion to or from cryptocurrencies
or fiat m0ney (hereinafter referred to as "Exchange Fee");
9.3.2 m0ne S.R.O. is entitled to charge additional fees related to providing Services according to this
Agreement or for acts anticipated by this Agreement at rates according to the Fee Schedule.
10. TERMINATION AND SUSPENSION OF THE AGREEMENT'S ENFORCEMENT
This Agreement may be terminated in one of the following ways:
a) By mutual agreement of the Contracting Parties;
b) By notice from either of the Contracting Parties (according to Article 10.1 of this Agreement);
c) By withdrawal from the Agreement by m0ne S.R.O. (according to Article 10.2 of this Agreement);
d) By withdrawal from the Agreement by the User (according to Article 10.3 of this Agreement);
e) By termination or withdrawal for other reasons stipulated by this Agreement.
(collectively referred to as "Termination of the Agreement").
The Contracting Parties are obliged to perform all actions necessary to prevent any harm and fulfill their
obligations according to this Agreement on the effective date of the Termination of the Agreement
unless stipulated otherwise by this Agreement.
10.1 m0ne S.R.O. or the User may terminate this Agreement at any time by written notice, even without
stating a reason. The notice period for termination of the agreement by notice as per the previous
sentence is one month. m0ne S.R.O. may terminate this Agreement in writing by sending it to the User's
email address specified in the Account. The User may terminate this Agreement in writing by sending it
to the customer support email address of m0ne S.R.O.: Info@cryptohub.exchange
The notice period begins upon delivery of the notice to the other Contracting Party. After giving notice,
the User must inform m0ne S.R.O. whether, in connection with the termination of the contractual
relationship established by this Agreement, they request a
Withdrawal or Transfer related to the cryptocurrencies acquired by them. In case of Transfer requested
by the User upon notice, the User must submit a Request for Cancellation of Custody in accordance with
Article 6.6 of this Agreement.
After fulfilling the respective conditions for the execution of the Transfer and payment of the respective
fees, m0ne S.R.O. commits to carry out the Transfer no later than within 15 (fifteen) days from the
expiration of the notice period. The User commits to provide all necessary cooperation for the purpose
of the Transfer in connection with the Termination of the Agreement.
If the User's notice leads to a Withdrawal, m0ne S.R.O. is obliged to pay the User the value of the
cryptocurrencies in the currency in which the Deposit was made within 15 (fifteen) days from the
expiration of the notice period as per this article. If the User does not deliver to m0ne S.R.O. a Request
for Cancellation of Custody according to the conditions stated in this
Agreement or does not inform m0ne S.R.O. regarding the request for Withdrawal, m0ne S.R.O. is
entitled to purchase the User's cryptocurrencies and perform the Withdrawal, paying the User the
respective value in the currency in which the Deposit was made to the User's bank account.
10.2 If this Agreement or the conditions of any of the Services or any Product do not stipulate otherwise,
m0ne S.R.O. is entitled to withdraw from the Agreement and cancel such User's Account and/or
terminate the provision of Services to such User with immediate effect if:
"a) The User provided false information in relation to entering into the Agreement or in connection with
its performance, withheld or did not provide essential information or documents that are necessary for
the existence and performance of obligations according to this Agreement;
b) The User is in default of fulfilling obligations under the Agreement and did not fulfill this obligation
even within an additional period of at least 30 (thirty) days provided by m0ne S.R.O.;
c) m0ne S.R.O. has reasonable and demonstrable suspicion that the User's actions contravene or
circumvent generally binding legal regulations or are contrary to good morals;
d) m0ne S.R.O. has reasonable and demonstrable suspicion that the Account was used unauthorizedly or
for the purpose of committing a criminal act or any other unlawful action;
e) The obligation for m0ne S.R.O. to withdraw from the Agreement arises from a court decision, a public
authority decision, or from a generally binding legal regulation, m0ne S.R.O. is entitled, in the case of
withdrawal from the Agreement according to Article 10.2, to liquidate the User's cryptocurrencies and,
after considering the respective fees of this Agreement, transfer the respective m0netary funds in the
currency in which the Deposit was made to the User's bank account, provided that transferring the
User's funds in favor of his bank account does not contravene legal regulations or the decision of the
respective authority.
10.3 If this Agreement or the conditions of any of the Services or any Product do not stipulate otherwise,
the User is entitled to withdraw from the Agreement and terminate the provision of Services by m0ne
S.R.O., with immediate effect, in case of:
a) Serious or repeated breach of the Agreement by m0ne S.R.O.;
b) Termination of m0ne S.R.O.'s authorization to provide Services. In the event of withdrawal from the
Agreement according to Article 10.3, m0ne S.R.O. is authorized to liquidate the User's cryptocurrencies
and, after considering the respective fees of this Agreement, transfer the respective m0netary funds in
the currency in which the Deposit was made to the User's bank account, provided that the transfer of
the User's funds in favor of his bank account does not contravene the conditions of this Agreement,
generally binding legal regulations, or decisions of the respective authorities. If the User does not
provide an address for the execution of the Transfer in the written withdrawal from the Agreement,
m0ne S.R.O. is obligated to purchase the cryptocurrencies of such a User and pay out the value of the
cryptocurrencies to the User's bank account according to the conditions of this Agreement. The User in
this context commits to pay all costs associated with securing the Transfer and related fees, as well as to
provide the necessary cooperation.
10.4 mõne S.R.O. reserves the right to temporarily suspend the execution of its rights and obligations
towards the User according to this Agreement (hereafter "Suspension of "Services"), especially in case
of:
a) If the User has not been provided with the respective level of care according to the conditions of this
Agreement due to reasons on the User's side;
b) Reasonable suspicion that the User provided m0ne S.R.O. with false, outdated, Incomplete, or any
misleading information;
c) Reasonable suspicion that the User violates the conditions of the Agreement or acts contrary to the
Agreement;
d) If the User has exchanged the provision of Services in an unauthorized or fraudulent manner;
e) If the Account or funds received on it, or the cryptocurrencies related to it were used to commit an
unlawful action;
f) If the use of the Account and the funds on it or related to it are subject to a dispute, investigation, or
similar official proceedings;
g) If m0ne S.R.O. is the target of an attack aimed at the theft of cryptocurrencies (including private keys
to them) or any restriction on dealing with them;
h) If the obligation to suspend the provision of Services arises from a court decision, a public authority
decision, or a generally binding legal regulation;
i) If the right to Suspend Services arises from the provisions of this Agreement.
m0ne S.R.O. commits, in the event that the conditions for Suspension of Services are met, to promptly
notify the User, unless such notification contradicts this Agreement, generally binding legal regulations,
or the decision of the respective authority.
m0ne S.R.O. commits to restore the functionality of the Account within 15 days from the day the
reasons for Suspension of Services cease.
11. LIABILITY
11.1 m0ne S.R.O. is liable only for damage caused by its fault. m0ne S.R.O. is not liable for damage or
other adverse consequences caused by:
a) Submission or presentation of false, outdated, incomplete, or in any way misleading information by
the User;
b) Actions or omissions of the User, if the User was obliged to act or its action or omission violated its
obligation or acted at its own risk;
c) Refusal to provide the Service due to the User's failure to meet the conditions according to this
Agreement;
d) Directions and developments of the cryptocurrency market, as well as for damage related to the
reduction in the value of the Deposit, the decrease in the value of cryptocurrencies, as well as potential
loss of their value;
e) Unexpected change in legal regulations concerning the business activities of m0ne S.R.O. or legal
regulation of cryptocurrencies or the provision of services related to them;
1) Suspension of services according to this Agreement; g) Temporary unavailability of the Platform or
Services;
h) Actions of a third party;
i) Use of login details to the Account or any other security mechanism contrary to this Agreement:
j) Accepting actions of those individuals who, based on the presented information, documents, or
evidence, are considered authorized to act on behalf of the User;
k) Circumstances beyond control according to Article 11.4 of the Agreement.
11.2 The User is liable for damage caused by them, as well as damage caused by the User breaching
obligations according to this Agreement. The User is liable for any damage, harm, or adverse co
consequence caused by the User's action and/or omission, which is contrary to good morals, generally
binding legal regulations, and/or this Agreement.
11.3 The contractual parties are obligated to compensate for damage caused by them, as a result of
violating the conditions of this Agreement, conditions of providing Services, or breach of any of the
declarations of the contractual parties, unless this Agreement stipulates otherwise.
11.4 mône S.R.O. is not liable for any damage, harm, adverse consequence, or inability or incapacity to
fulfill obligations, if the reason for such breach of obligation by m0ne S.R.O. is:
a) An unpredictable or unexpected event, circumstance, or their set, beyond the reasonable control of
m0ne S.R.O., especially, but not limited to, any change, exclusion, or malfunction on the part of a third
party, especially, but not limited to, the provider of payment services, provider of cryptocurrency
exchange service, provider of cryptocurrency wallet service, or operator of the securities market,
intermediary of such services, or provider of any other services necessary for providing Services or
fulfilling obligations according to this Agreement;
b) Unpredictable change in legal regulation governing the activity of m0ne S.R.O. and/or legal regulation
and conditions of dealing with cryptocurrencies;
c) Declaration of emergency, act of God, terrorist activities, war, riots, intervention of armed forces or
usurpation of power, or seizure of property values:
d) Any delay or malfunction caused by a problem of any system or network, interruption or malfunction
of transmission, communication, data processing or computer equipment, or any mechanical failure of
equipment necessary for providing Services or fulfilling obligations according to this Agreement.
(hereafter collectively referred to as "Circumstances Beyond Control").
12.REFERRAL SYSTEM
12.1 m0ne S.R.O. provides the User with the opportunity to refer new users through the referral system
available on the Platform ("Referral System").
12.2 The contractual parties have agreed that if the User successfully refers a new user, m0ne S.R.D. is
entitled under the conditions set forth in this Agreement to provide the referring User with a reward. A
successfully referred user is understood to be a person who establishes their Account through the
Platform using the referral information specified under Article 12.3 and who makes a Deposit according
to the conditions of this Agreement ("New User").
12.3 In referring New Users, the User must exclusively use the link or code of the Referral System
provided in the Platform interface. If the New User makes a Deposit ("New User's Deposit"), m0ne S.R.O.
is entitled to provide the User with a reward according to the conditions of this Agreement ("Reward").
12.4 The Referral System or related activities do not constitute a contractual relationship of commercial
representation, mediation, or any other authorization to represent m0ne S.R.O. or act on its behalf by
the User.
12.5 The User is obliged to use the Referral System exclusively in accordance with this Agreement. In
utilizing the Referral System, the User undertakes not to:
a) Use the Referral System for the purpose of conducting illegal activities, fraud, in a manner that
violates the Agreement or is contrary to good morals;
b) Utilize the Referral System in a manner involving the use of unsolicited messages, both in electronic
and paper form, addressed to third parties;
c) Present themselves as a person authorized to act on behalf of or for m0ne S.R.O. or as its authorized
representative, business partner, broker, or act in any other manner that could suggest such a fact.
12.6 m0ne S.R.O. is entitled but not obligated to pay the User a Reward if the New User's Deposit occurs
under the conditions of this Agreement. The model for calculating the Reward is available on the
Platform. The Reward will be paid to the User by crediting the corresponding value of the Reward to the
value of the User's Deposit in the form of cryptocurrencies.
12.7 If the User obtains a Reward in violation of the conditions of the Referral System, the conditions of
this Agreement, or in any other unauthorized manner, the User is obliged to return the value of such
obtained Reward and compensate for the damage caused by such action.
13.GENERAL PROVISIONS
13.1 m0ne S.R.O. reserves the right to modify, amend, or update the Platform, its functionality, or any of
its components at any time and in any manner.
13.2 in the event that m0ne S.R.O. plans to make changes, modifications, or updates to the Platform or
its functionality, and such activity may affect the provision of Services, m0ne S.R.O. is obligated to notify
the User of this fact at least 1 (one) day before such change, modification, or update.
13.3 m0ne S.R.O. reserves the right to Suspend the provision of Services for the time necessary to
protect the User's funds, in case m0ne S.R.O. is subject to an attack aimed at accessing the User's funds,
m0ne S.R.O., or other users. mõne S.R.O. commits to informing the User of the suspension of Services
according to this clause without unnecessary delay.
13.4 Given that the provision of Services can be interrupted due to i) equipment failure, ii) regular
maintenance or repair processes, iii) Circumstances beyond control according to this Agreement, or iv)
other unexpected events, m0ne S.R.O. cannot guarantee continuous operation of the Platform and the
provision of Services. However, mõne S.R.O. commits to performing all actions necessary to ensure the
smoothest possible operation of the Platform and the provision of Services.
13.5 The contractual parties have agreed that based on a special agreement, the User is entitled to
temporarily transfer rights and obligations corresponding to ownership rights in relation to the User's
cryptocurrencies ("Agreement on Disposition of Cryptocurrencies") and to authorize m0ne S.R.O. to
dispose of such cryptocurrencies in relation to third parties.
13.6 Given that the ecosystems of cryptocurrencies are currently in early stages of development and
adoption, for the purposes of expanding their use and awareness of their existence and functionality,
new cryptocurrencies can be distributed for free through crediting new cryptocurrencies to the
addresses of existing cryptocurrencies ("Airdrop"). In connection with the technological development of
cryptocurrencies, a change in the underlying technological solution of the respective cryptocurrency
may occur, which may result in the division of the transaction chain (blockchain/DLT) or its duplication
and separation into a new network ("Fork") and subsequent distribution of new cryptocurrencies
through the Airdrop process, or a similar process. The contractual parties have agreed that any
cryptocurrencies credited to the User in connection with the provision of Services by m0ne S.R.O. based
on Airdrop, Fork, or related processes are owned by the User, unless the contractual parties have agreed
otherwise. The User is obligated to bear associated costs and fees according to the Price List or other
costs related to the respective cryptocurrencies according to this Agreement in connection with
handling cryptocurrencies obtained through "Airdrop or Fork.
13.7 m0ne S.R.O. declares that according to this Agreement, it has no obligation regarding the exercise
of the right to acquire any cryptocurrencies through the process of Airdrop or in connection with a Fork,
if the exercise of such right to acquire the respective cryptocurrencies is required.
14. CONFIDENTIAL INFORMATION
14.1 Confidential information refers to information designated by the Contractual Parties as sensitive
based on the Contractual Parties' consideration, information that forms the content of any document or
other information, including, but not limited to, any information concerning or related to the Services,
Products, Platform, cryptocurrency portfolio and its conditions, trade secrets, or other confidential
business information of m0ne S.R.O. ("Confidential information").
14.2 Access to Confidential Information is restricted to the Contractual Parties, and they commit to using
the Confidential Information solely for purposes consistent with this Agreement. For this reason, the
Contractual Parties undertake not to disclose Confidential Information to other persons, except as
permitted under this Agreement. The Contractual Parties are not authorized to use Confidential
Information in any way that could harm the other Contractual Party.
14.3 The Contractual Parties commit to maintaining the confidentiality of the Confidential Information
they have obtained under this Agreement. The Contractual Parties are not authorized to provide
Confidential Information to a third party unless required by law or a court decision, and even in such a
case, the relevant Contractual Party is obligated to notify the other Contractual Party of this fact at least
10 (ten) days before the required disclosure. If the relevant law or court decision does not allow for
notification of the other Contractual Party, the obligated Contractual Party shall provide such
notification to the extent and manner in accordance with the applicable legal regulations, if allowed.
14.4 The Contractual Parties reserve any rights related to their Confidential Information, even if not
expressly mentioned in this Agreement.
14.5 Confidential Information does not include information that (i) was publicly available before being
disclosed to the Contractual Parties; (ii) was legally in the possession of the Contractual Parties before
the conclusion of this Agreement; or (iii) became publicly available through publication or another lawful
method not by the fault of the Contractual Party.
15. FINAL PROVISIONS
15.1 This Agreement becomes valid and effective at the moment the User clicks the acceptance button
on the Platform interface or by manual signature by the user. The User expressly agrees to the use of
remote communication means for concluding this Agreement.
15.2 This Agreement, along with all its annexes, which form an integral part of it, is binding on the
Contractual Parties for the duration of the contractual relationship between them. The Agreement is
available to the User on the Platform.
15.3 The processing of all personal data of the User obtained in connection with the conclusion and
performance of the User agreement between the User and m0ne S.R.O. Is governed by a separate
document (Privacy Policy) available at https://www.cryptohub.sk/legal#terms. The User declares that
they have become familiar with the Privacy Policy and acknowledges them.
15.4 Communication
For the purposes of fulfilling this Agreement, the Contractual Parties have agreed that their
communication will be addressed as follows:
The User's contact details are the information provided by the User. The User is obligated to
continuously ensure the accuracy of the User's contact details, but the User is obligated to notify m0ne
S.R.O. of any change in the User's contact details within 15 (fifteen) days from the day of the contact
detail change. Electronic communication sent to the User's email address specified in the Platform
interface is considered written communication under this agreement.
15.5 Change of Agreement
15.5.1. The Contractual Parties have agreed that any communication according to this Agreement will be
in electronic form, with the Contractual Parties attributing the effects of written or documentary
communication to such communication unless this Agreement specifies otherwise.
15.5.2. This Agreement, including its annexes, constitutes the complete agreement between the
Contractual Parties and supersedes any prior agreements or negotiations, whether oral or written,
relating to the subject matter of this Agreement.
15.5.3. The Contractual Parties have agreed that m0ne S.R.O. is authorized to update, change, or amend
the wording of this Agreement, its parts, or its annexes. m0ne S.R.O. Is obligated to inform the User
about any changes to the Agreement or its new wording before the changes take effect.
15.5.4. m0ne S.R.O. is required to inform the User about any changes to the Agreement, its parts, or its
annexes in writing via email to the User's address listed in the Account. If the User disagrees with the
new wording of the Agreement or any of its changes, the User is entitled to terminate the Agreement
within 14 (fourteen) days from the date of receiving the notice of the Agreement change, in accordance
with the terms of this Agreement.
15.5.5. The change to the Agreement takes effect after 14 (fourteen) days from the date the notice of
the Agreement change is delivered to the User. By the lapse of the termination period in relation to the
Agreement change without action, the User consents to the new wording without any reservations. The
current wording of the Agreement and the Price List is available through the Platform.
15.5.6. The Contractual Parties have agreed that corrections of typographical, calculation errors, or
other similar errors and obvious inaccuracies in the wording of the Agreement or any of its annexes do
not constitute a change to the Agreement.
15.6. Complaints, Suggestions, and Complaints
In case of any suggestions or complaints related to the provision of Services, the User is entitled to
contact m0ne 5.R.O. at any time during the validity of this Agreement at the relevant support address:
A User who is a consumer has the right to address complaints related to the provision of Services to
m0ne S.R.O. by sending a complaint to the address
A User who is a consumer has the right to request remediation from m0ne S.R.O. if they are not satisfied
with how m0ne S.R.O. handled their complaint, or if they believe that mõne 5.R.O. violated their rights.
The User has the right to initiate an alternative dispute resolution process with the alternative dispute
resolution entity if m0ne S.R.O. responded negatively to the request mentioned above or did not
respond within 30 days from its delivery.
The User submits the proposal to the relevant alternative dispute resolution entity, without prejudice to
the right to take the matter to court. The proposal can also be submitted through the consumer dispute
resolution platform available at the website
https://webgate.ec.europa.eu/odr/main/?event=main.home.show The supervisory authority is:
Slovak Trade Inspection Inspectorate SOI for the Bratislava region Supervision Enforcement Department,
Bajkalská 21/A, P. O. BOX No. 5, 820 07 Bratislava, Slovak Republic The rules for handling complaints are
described in more detail in a separate document available at https://www.cryptohub.sk/legal/terms.
The User declares that they have become familiar with the Complaint Handling Rules and acknowledges
them.
15.7. Headings
The headings of the individual sections in this Agreement are for convenience only and shall not affect
the interpretation of any provision of this Agreement.
15.8. Security
The User is not authorized without the written consent of m0ne S.R.O. to create any mortgage right,
encumbrance, or any other right in favor of a third party on the crypto assets that are subject to the
provision of Services under this Agreement.
15.9. Taxes
The User is responsible for determining whether and to what extent any tax obligation applies in
relation to the provided Services ("Taxes"), remitting, and paying Taxes to the relevant tax authority,
m0ne S.R.O. allows for the export of transaction history through the Platform for these purposes. m0ne
S.R.O. is not authorized, nor obliged under this Agreement, to examine the User's tax obligation, nor to
represent the User in relation to Taxes.
15.10. Severability
Unless expressly stated otherwise in this Agreement, if any provision of this Agreement is found to be
invalid, ineffective, or unenforceable in any jurisdiction, this shall not affect the validity, effectiveness,
and enforceability of the remaining provisions of this Agreement. The Contractual Parties commit to
negotiate in good faith and replace the invalid, ineffective, or unenforceable provision of the Agreement
with a new provision that will be valid, effective, and enforceable and will, in terms of its purpose and
function, correspond as closely as possible to the original provision.
15.11. Assignment
This Agreement is binding and its benefits accrue to the User. The User is not authorized to transfer or
assign their rights and/or obligations under this Agreement to any other person. m0ne S.R.O. is
authorized at any time to transfer or assign its rights and/or obligations under this Agreement, provided
that such transfer or assignment will not materially affect the quality or content of the provided
Services.
15.12. Waiver
If a Contractual Party does not exercise or delays exercising any right or entitlement under this
Agreement, it does not constitute a waiver of such right, and neither does the single or partial exercise
of any right or entitlement preclude any other or further exercise of it or the exercise of any other right
or entitlement.
15.13. Language
This Agreement is concluded in English.
15.14. Governing Law and Dispute Resolution
This Agreement and the contractual relationships arising from it are governed by the laws of the Slovak
Republic. All disputes or claims arising out of or in connection with this Agreement, including disputes
regarding its validity, breach, termination, or non-existence, shall be finally settled by the courts of the
Slovak Republic.
15.15. Protection of Funds
m0ne S.R.O. emphasizes in connection with the provision of Services under this Agreement that
Deposits or any other funds of the User, including crypto assets acquired by the User in the provision of
Services, are not subject to deposit protection under Act No. 118/1996 Coll. on deposit protection and
on amendment and supplementation of certain acts, nor are they subject to protection by the
Guarantee Fund for investments under Act No. 566/2001 Coll. on securities and investment services and
on amendments and supplements to certain acts (Securities Act).
15.16. Surviving Obligations
All provisions of this Agreement that, by their nature, should survive the termination of this Agreement
including, but not limited to, provisions relating to the suspension or termination of the Account,
obligations of the User to M0NE S.R.O, use of the Platform, Services, indemnity, limitation of liability,
governing law and dispute resolution, shall remain valid and in force to the extent necessary to preserve
the rights and obligations arising from them.
