Terms of Service

1 Acceptance of Terms

By accessing, registering for, or using the iiii.agency Transfer Platform ("Platform"), operated by INVEST IN IDEA INC ("Company", "we", "us"), you ("User", "you") agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you may not access or use the Platform.

2 Description of Service

iiii.agency provides an enterprise-grade, SWIFT-enabled international transfer and settlement platform integrating with 200+ financial institutions via ISO 20022 messaging and PSD2-compliant Open Banking APIs.

3 Eligibility

To use the Platform, you must:

• Legal Age — Be at least 18 years old or the age of majority in your jurisdiction
• Legal Entity — Be authorized to act on behalf of the business entity you represent
• Non-Sanctioned — Not be located in, or a national/resident of, any OFAC, EU, or UN sanctioned jurisdiction
• KYC Verified — Complete our Know Your Customer verification process before initiating transactions

4 Account Registration & Security

You agree to provide accurate, current, and complete information during registration and to keep your account credentials secure. You are responsible for:

• Credential Security — Maintaining the confidentiality of your login credentials and API keys
• Unauthorized Access — Notifying us immediately of any unauthorized account access or security breach
• Account Activity — All activity conducted under your account, whether or not authorized by you
• Multi-Factor Authentication — Using MFA where required for high-value transactions

5 PSD2 & Open Banking Consent

When you grant iiii.agency access to your bank account via Deutsche Bank, HSBC, or other Open Banking APIs, you explicitly authorize us to:

• Read Account Information — Access balances, transaction history, and account details (AISP)
• Initiate Payments — Execute transfers on your behalf with your explicit per-transaction consent (PISP)
• Verify Identity — Use account data for KYC and compliance verification

6 Fees & Pricing

Use of the Platform is subject to the fees outlined in your service agreement or as displayed on our pricing page. Key fee terms:

• Transaction Fees — Charged per transfer based on amount, currency pair, and destination corridor
• FX Markup — A transparent spread applied to currency conversions, disclosed before each transaction
• Subscription Plans — Monthly or annual plans with tiered pricing based on transaction volume
• No Hidden Fees — All applicable fees are displayed and confirmed before transaction execution

We reserve the right to modify fees with 30 days' written notice. Continued use after the notice period constitutes acceptance.

7 Prohibited Use

You agree not to use the Platform for any of the following prohibited activities:

• Money Laundering — Any activity designed to disguise the origins of illegally obtained funds
• Terrorist Financing — Funding or supporting terrorist organizations or activities
• Sanctions Evasion — Transactions involving OFAC, EU, or UN sanctioned countries, entities, or individuals
• Unauthorized Access — Attempting to access accounts, systems, or data without proper authorization
• AML/KYC Circumvention — Providing false identity documents or structuring transactions to avoid reporting thresholds
• Fraud — Submitting fraudulent payment instructions or misrepresenting transaction details
• Platform Abuse — Reverse engineering, scraping, or attempting to exploit platform vulnerabilities

8 AML & Compliance

As a regulated financial services platform, we are required to maintain robust Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) programs. You agree to:

• KYC Verification — Complete identity verification before initiating transactions
• Source of Funds — Provide documentation regarding the source of funds when requested
• Transaction Monitoring — Accept that all transactions are subject to automated and manual screening
• Sanctions Screening — Acknowledge that all parties are screened against OFAC, EU, and UN sanctions lists
• Suspicious Activity Reporting — We are required by law to report suspicious transactions to relevant authorities (FIU/FinCEN)

9 Intellectual Property

All content, code, designs, logos, trademarks, and technology comprising the Platform are owned by INVEST IN IDEA INC and are protected by international copyright, trademark, and intellectual property laws. You may not:

• Copy or Reproduce — Duplicate any part of the Platform without written consent
• Modify or Adapt — Create derivative works based on Platform technology
• Reverse Engineer — Decompile, disassemble, or reverse engineer Platform software
• Redistribute — License, sublicense, sell, or otherwise distribute Platform access

10 Limitation of Liability

To the maximum extent permitted by applicable law, INVEST IN IDEA INC shall not be liable for:

• Third-Party Failures — Losses arising from bank API failures, SWIFT network outages, or payment processor errors
• FX Fluctuations — Losses due to exchange rate movements between quote and execution
• Indirect Damages — Lost profits, business interruption, or consequential damages
• Force Majeure — Events beyond our reasonable control, including natural disasters, war, or government actions
• Regulatory Actions — Delays or blocks imposed by banking regulators, sanctions authorities, or compliance requirements

Our total aggregate liability under these Terms shall not exceed the fees paid by you in the 12 months preceding the claim.

11 Indemnification

You agree to indemnify, defend, and hold harmless INVEST IN IDEA INC, its directors, officers, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

• Your Use — Your use or misuse of the Platform
• Terms Violation — Your breach of these Terms or applicable laws
• Third-Party Claims — Claims by third parties resulting from your transactions or account activity
• False Information — Inaccurate or misleading information provided during registration or KYC

12 Termination

Either party may terminate this agreement:

Upon termination, we will retain transaction records for 7 years as required by AML regulations. Any outstanding balances will be returned to your registered bank account.

13 Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction of incorporation of INVEST IN IDEA INC. Any disputes arising under these Terms shall be resolved through:

• Negotiation — Good faith negotiation between the parties for 30 days
• Mediation — Non-binding mediation through a mutually agreed mediator
• Arbitration — Binding arbitration under the rules of the International Chamber of Commerce (ICC)

14 Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business operations. Material changes will be communicated via:

• Email Notice — Sent to your registered email address at least 30 days before changes take effect
• Platform Banner — Prominently displayed when you next log in
• Version History — All previous versions archived and available upon request

Continued use of the Platform after the effective date of changes constitutes acceptance of the revised Terms.

15 Contact Information

For legal inquiries, complaints, or questions about these Terms: