By using this Site and further by registering to use our Services, you as being a user thereof (the “Client”) are agreeing to accept and comply with the terms and conditions stated below (the "Terms and Conditions "). These Terms and Conditions  shall be read along with the Privacy Policy. The AML Policy of the Company is an integral part of the Terms and Conditions. Accepting the Terms and Conditions you are automatically agreeing with the AML Policy of the Company.

• in countries, subject to financial sanctions imposed by Lithuania and Estonia and according to FATF recommendations.
• for non-EU and non-CIS citizens (except United Kingdom, Norway, Switzerland - those countries are also allowed).
• to the Clients that have previously been suspended or removed from using the Services.

• The Account is personal and only the Client through its authorized users or Account Holders has the right to access and use it.
• Account Holders are responsible for maintaining the confidentiality of their Account details information and for all activity including transactions that occur under their Account.
• Account Holders agree to provide Inhodlo with accurate, current and complete information as prompted by the Registration process (Email enter, verification).
• Account Holders also provide the correct name during verification as used with the bank account to assure Inhodlo can compare and validate that name on bank account from which transfer has been made and completed is the same from the name provided during verification.
• Account Holders will provide one of their digital currency wallet addresses to Inhodlo where Inhodlo can send digital currency to the Account Holder.
• Inhodlo cannot be held responsible for the loss of digital currencies resulting from an Account Holder not being able to access their personal wallet and/or digital currency address(es) which they provided to Inhodlo to be used by Inhodlo for sending digital currency to the Account Holder.
• Inhodlo reserves the right to change the buy limits on your Account as it may deem necessary.
• When buying digital currencies through the Inhodlo, Account Holders generates request directly to Inhodlo to buy specific digital currency for that price what is on a market - once the payment from user is received. The Exchange Service is subject to the Inhodlo "Offer Price". "Offer Price" means the liquidity adjusted price of a given digital currency amount in terms of local currency as quoted on the Inhodlo Site or other partner website through which Inhodlo is providing its service. The "Offer Price" is stated as a "Buy Price," the price in terms of local currency at which you purchase digital currency from Inhodlo. For the purpose of any transaction which incorporates the "Offer Price", you agree, as a condition of using the Inhodlo Services and by accepting you are aware that prices on a market is changing, so you will see the exact amount of digital currencies you get - after your payment is received to Inhodlo and Inhodlo than execute your request to buy digital currency.
• Account Holder acknowledges and agrees that the digital currency price is based on the Inhodlo Offer Price. Volatile market conditions, 3rd party caused delays and API delays can affect the Offer Price negative, for which Inhodlo cannot be hold responsible.
• Account Holder also acknowledges and agrees that the payment in relation to the transaction may be delayed due to unavailability of banking instruments, for which Inhodlo cannot be hold responsible.
• Due to the inherent nature of the digital currencies’ networks, Account Holder also acknowledges and agrees that execution of its request to buy digital currencies to its Account may take between one (1) hour and twenty-four (24) hours, barring unforeseen or unavoidable network issues after the payment is successfully received to Inhodlo Account.
• Inhodlo reserves the right to abort a transaction at any time and to return received payments or digital currencies to the Account Holder.
• Inhodlo has a right to refund and return payment back to a sender without a further explanation. The refund fee is 5% from the total amount receive but not less than 10 Euros.

• That you will be provided with the details of the Inhodlo bank account after clicking the review order button on the Payment verification (Buy) page.
• SEPA bank transfers are processed daily after receiving a notification from our bank of your transfer. Expect a lead time of one to three working days between your bank transfer and receiving the digital currency in your wallet.
• Initiate your SEPA transfer from the bank account, which is under the same name you used to complete verification on Inhodlo Account.
• Put your Inhodlo payment reference in the 'comment' (sometimes called 'label' or 'reference') field of the bank transaction.
• Only transfer Euro amounts within the limits of your Inhodlo Account and the exact amount you saw on the payment verification window.
  • If you transfer money, but your ID verification has failed - please start the verification process again through www.inhodlo.io or write email to support@Inhodlo.io and ask for help. If within 10 working days you will not complete verification successfully because of the issues from your side, Inhodlo is responsible to take 10% fee from the amount you sent (with minimum of 5 euros and maximum of 20 euros). The amount will be transferred to the same IBAN account the transfer was made to Inhodlo.
  • If you transfer the amount which exceeds the one you have to pay based on the order you accepted - Inhodlo will exchange digital currencies for the amount you have transferred with the updated amount/volume of digital asset you have selected.
• After your SEPA bank transfer, it usually takes 1-5 working days to show on our bank account.
• Once our bank confirms your transfer, we initiate a buy transaction and the digital currency will be sent to your blockchain wallet address.
• The estimated amount of digital currency on the Offer details page is based on the market price at that moment.
• The final amount of digital currency you receive will differ from the estimate as the price is determined at the moment when your order is actually traded, this means - when your bank transfer is received.
• The final exchange selection will depend on the market situation and exchange availability at the time your order transaction is processed.
• When your digital currency is sent to your wallet you will receive a confirmation email with the financial transaction details.

• You will be provided with the details of the Inhodlo wallet after clicking the review order button on the Payment verification (Sell) page.
• Expect a lead time of 1 to 5 working days between our bank transfer and receiving the fiat currency in your IBAN account.
• You provide us with the bank account, which is under your name.
• Only transfer the exact amount you saw on the transfer verification window.
  • If you transfer digital currency, but your ID verification has failed - please start the verification process again through www.inhodlo.io or write email to support@inhodlo.io and ask for help. If within 10 working days you will not complete verification successfully because of the issues from your side, Inhodlo is responsible to take 10% fee from the amount you sent (with minimum of 5 euros and maximum of 20 euros). The amount will be transferred to your IBAN account you indicated during verification.
  • If you transfer the amount which exceeds the one you have to pay based on the order you accepted - Inhodlo will exchange fiat currencies for the amount you have transferred in digital currencies.
• The minimum transfer is equal to 10 euros and the maximum is equal to 15 000 euros.
• Once we get your digital currency transfer to Inhodlo’s blockchain wallet address, we initiate a sell transaction, and the fiat currency will be sent to your IBAN account.
• The estimated amount of fiat currency on the Offer details page is based on the market price at that moment.
• The final amount of fiat currency you receive will differ from the estimate as the price is determined at the moment when your order is actually traded, this means - when your digital currency transfer is received.
• When your fiat currency is sent to your wallet you will receive a confirmation email with the financial transaction details.

• Inhodlo shall be liable only for the direct losses caused by Inhodlo due to direct and substantial breach of the Terms and Conditions, and only for such losses which might reasonably be foreseen by Inhodlo at the time of breach;
• Inhodlo compensation for losses caused due to breaches of the Terms and Conditions shall be limited to the amount of the transaction(s) that is (are) the subject of the claim less any amount of fees that may be due and payable in respect of such transaction(s).

• if for any reason the Inhodlo Site is unavailable or broken at any time or for any period;
• for mistakes made by credit institutions, settlement system or other third parties, untimely execution of money transfer, freezing of funds;
• for consequences arising out of improper discharge of Inhodlo’s obligations regarding reasons caused by third parties which are beyond Inhodlo’s control;
• for consequences arising out of lawful termination of the Terms and Conditions, cancellation or restriction of your access to the Inhodlo’s platform as well as reasonable restriction or termination of provision of any of Services;
• for failure to meet contractual obligations and losses, if obligations were not discharged or damage were made while Inhodlo had been following the duties arising out of applicable laws.

• Money funds transfer from the Account and for other payment operations with money on the Client's Account if the Client has not protected its passwords and identification instruments, and they have become known to other persons, and also for illegal actions and operations of third persons performed using counterfeited and/or illegal documents or illegally received data.
• Errors made by banks, payment systems and other third persons.
• Consequences which arise after the Company legally terminates the Terms and Conditions, cancels Client’s Account or limits access to it, also after reasonable limitation/termination of provision of a part of the Services.
• Any loss of profits or loss of expected revenue or gains, including any loss of anticipated trading profits and / or any actual or hypothetical trading losses.
• Any loss of or damage to reputation or goodwill; any loss of business or opportunity, customers or contracts; any loss or waste of overheads, management or other staff time; or any other loss of revenue or actual or anticipated savings.
• Any loss of use of hardware, software or data and / or any corruption of data; including but not limited to any losses or damages arising out of or relating to any inaccuracy, defect or omission of digital currency price data; any error or delay in the transmission of such data; and / or any interruption in any such data.
• Any loss or damage whatsoever which does not stem directly from the breach of these Terms and Conditions by the Company; and / or any loss or damage whatsoever which is in excess of that which was caused as a direct result of the breach of these Terms by the Company (whether or not the Client is able to prove such loss or damage).
• Any loss due to circumstance beyond the control of the Company, such as war or the threat of war, a change of political regime or other third-party actions.
• The Client should be very attentive while specifying the wallet number. In case a typing error was made, and the funds were directed to the wallet, which is different from the one, belonging to the Client, the transaction is irrevocable. It is suggested to use a wallet that only the Client has access to. The Company does not bear the responsibility for the loss which may result from a typing error and / or the use of the wallet which is accessible to third parties.

• It is a corporation (in case the Account Holder is a legal entity), validly existing under the laws of the jurisdiction of its incorporation and it conducts its business in compliance with applicable laws and not in violation of the rights of any third party; it has all right, power and authority to enter into the Terms and Conditions  and to fully perform its obligations hereunder; and there is no other restriction, limitation, contractual obligation or statutory obligation which prevents it from fulfilling its obligations under the Terms and Conditions.
• You shall also not provide access to the Account to other third parties which are not authorized to initiate digital currency exchange on behalf of you. In case you become aware that any unauthorized third party is trying to / tried to access the Account, the Company should be immediately informed by you about this.

• You undertake to use the Services pursuant to, and only for the purposes set forth in the Terms and Conditions. You intend to use purchased digital currency for your personal, legitimate purpose.
• You will not use the Services for any unlawful purpose. Among the activities constituting of illegal purposes are (but are not limited to) any act or omission that is illegal in the place where you are located or normally domiciled or where Inhodlo is located or for any of the following:
  • money laundering, terrorist financing, financial crime, white-collar crime and corruption, human trafficking (including child pornography);
  • smuggling (including narcotics, weapons, drugs, tobacco, etc.);
  • conducting or involving in cybercrimes;
  • activities and services related to violation of intellectual property rights;
  • credit counseling or repair agencies;
  • credit protection or identity theft protection services;
  • unsolicited direct marketing or subscription offers;
  • internet, mail or telephone order pharmacies or pharmacy referral services;
  • items that encourage, promote, facilitate or instruct others to engage in illegal activity;
  • items that may be counterfeit including, but not limited to: designer handbags, clothing and accessories, and consumer electronics;
  • items that promote hate, violence, racial intolerance, or the financial exploitation of a crime;
  • items that promote, support or glorify acts of violence or harm towards self or others;
  • live animals;
  • medical equipment;
  • multi-level marketing businesses (MLM);
  • payment aggregators;
  • prepaid phone cards or phone services;
  • purchase, sale or promotion of drugs, alcohol, or drug paraphernalia, or items that may represent these uses;
  • rebate based businesses;
  • up-sell merchants;
  • using the Service as a means to transfer funds between bank accounts held in the same name;
  • using the Service for any illegal purpose, or in violation of any local, state, national, or international law, including, without limitation, laws governing intellectual property, taxation and other proprietary rights and data collection and privacy;
  • using the Service to collect payments that support pyramid or ponzi schemes, matrix programs, other “business opportunity” schemes or certain multi-level marketing programs;
  • using the Service to control an account that is linked to another account that has engaged in any of the foregoing activities;
  • using the Service to defame, harass, abuse, threaten or defraud others, or collect, or attempt to collect, personal information about users, registered recipients, or third parties without their consent;
  • using the Service to intentionally interfere with another user’s enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms or other malicious code;
  • using the Service to make unsolicited offers, advertisements, proposals, or to send junk mail or spam to others;
  • using the Service to send or receive funds for something that may have resulted from fraud or other illegal behavior;
  • using the Service while impersonating any person or entity or falsely claiming an affiliation with any person or entity;
  • weight loss programs;
  • wire transfer money orders.

• You are not politically exposed person (PEP).
• Your wallet is owned and controlled exclusively by you.
• You are not subject to international sanctions.
• You are not engaged and have never been engaged in any illegal field or activity (sale of drugs, sale of banned goods).
• The execution of the transaction does not and will not violate any other agreement to which you are bound or any law, rule, regulation, order or judgment to which you are subject.
• You are solely responsible for complying with applicable laws regarding use of the Service including, without limitation, the determination of whether a transaction complies with laws applicable to you.
• You possess the knowledge and judgment necessary to decide whether to use the Service or otherwise engage with other use of the Service.
• The origin of your funds is from legal sources (i.e., salary, dividends, inheritance or similar), the funds are not related to money laundering, validation of legal assets, etc.
• Your citizenship country is the same as country which issued ID document which you provided during KYC process. In case your citizenship country does not correspond to the country which issued your ID document, you will separately contact Inhodlo and indicate your citizenship.

• suspend execution of transfers;
• suspend provision of all or part of Services to the Client;
• limit Client's access to the Account;
• detain Client's funds which has caused a dispute;
• fully or partially suspend payment operations on the Account and/or the payment instrument;
• refuse to provide Services;
• return arrested funds on the Account of the Client to the primary sender of funds.

• the Client has failed to furnish or has furnished false, incorrect or incomplete information regarding their identity or the origin of its funds;
• the Client is, or has been, connected with or suspicion arises to Inhodlo that the Client is connected with money laundering and/or terrorist financing or performance of fraudulent activities;
• Inhodlo has suspicion that the Client is using, has used or has attempted to use the Account for conducting any unlawful activities, including for money laundering or terrorist financing related operations, as well as for any activities aimed at circumventing international sanctions, restrictions or prohibitions or national sanctions or any other restrictions;
• Inhodlo is in possession of information about the Client’s reputation which may have a direct or indirect impact on the operations of Inhodlo or may cause unfavourable implications for the Inhodlo;
• Any supervisory authority, government institution, international financial organization, bank partner urges Inhodlo to terminate the business relationship with the Client;
• the Client does not submit to Inhodlo the information reasonably requested by Inhodlo or required under applicable laws;
• in other cases, specified in the Inhodlo‘s internal policies.

If the Client terminates the Terms and Conditions or if the Company terminates provision of the Account or Services to the Client, funds held on the Client's Account shall be transferred to the Client's bank account or to the account in another payment system indicated by the Client (not in any case 3rd party account, these accounts are not supported for withdrawal, refund, return). The Company has the right to deduct from such repaid funds the amounts that are due to the Company. In the event of a dispute between the Company and the Client, the Company has the right to detain funds under dispute until the dispute is solved.
COMMUNICATION
Any communication between Inhodlo and the Client shall take place primarily through email indicated in these Terms and Conditions and the email the Client has provided while registering in the Site. Inhodlo shall not be responsible for any mistake, inaccuracy, technical defect or damage caused by incorrect, outdated Client contact details and their subsequent use by Inhodlo.
Notices and other communication sent by emails shall be deemed delivered to and received by the party on the same business day it was sent.
The parties shall have a right to communicate within other means of communications, including the post or telephone.
CONTACT
If you have any feedback, questions, or complaints, please contact Inhodlo via email at support@Inhodlo.io.
When you contact Inhodlo please provide with your name, email address, and any other information Inhodlo may need to identify you, your Inhodlo Account, and the transaction on which you have feedback, questions, or complaints.
COMPLAINTS 
In the event of a complaint, please set out the cause of your complaint, how you would like us to resolve the complaint and any other information you believe to be relevant.  A customer complaints officer (an "Officer") will consider your complaint. The Officer will consider your complaint without prejudice based on the information you have provided, and any information provided by Inhodlo.
Within 15 business days of our receipt of your complaint the Officer will address all points raised in your complaint by sending you an email ("Resolution Notice") in which the Officer will: (i) offer to resolve your complaint in the way you requested; (ii) make a determination rejecting your complaint and set out the reasons for the rejection; or (iii) offer to resolve your complaint with an alternative solution. In exceptional circumstances, if the Officer is unable to respond to your complaint within 15 business days for reasons beyond Inhodlo’s control, the Officer will send you a holding reply indicating the reasons for a delay in answering your complaint and specifying the deadline by which the Officer will respond to your complaint (which will be no later than 35 business days from our receipt of your complaint).
Any offer of resolution made to you will only become binding on Inhodlo if accepted by you. An offer of resolution will not constitute any admission by Inhodlo of any wrongdoing or liability regarding the subject matter of the complaint.
JURISDICTION
If it has not been possible to resolve a dispute through the dispute process set out in the Complaints section above, any dispute arising out of or in connection with these Terms and Conditions, including any question regarding the acsess and use of the Accont or Services, (a "Dispute") shall be referred to and finally resolved by Lithuanian courts.
PERSONAL DATA
We collect personal data about the users of the Site. Please refer to our Privacy Policy in this regard.
FORM OF THE TERMS AND CONDITIONS
The Client and Inhodlo acknowledge that the digital form of these Terms and Conditions is legally equal to the agreement executed in written form. 
Supplement №1 Pricing
The Company’s BTC price consists of different BTC ticker exchange prices inclusive Company's interest or fees.
DISCLAIMER
Due to the exchange rate difference, the difference in the time of the transaction, as well as other circumstances affecting the course, the size of the real fees may be different from the stated.