User Agreement Last updated: 6 th March 2022

(i) This User Agreement (“Agreement”) is a contract between you and B4U Financial Limited (B4U FinancialTM) that applies to your use of B4U FinancialTM products and cloud based processing Platform (the “Platform”). Except as set forth below, “B4U FinancialTM” shall mean B4U Financial Limited, a US Company.

(ii) All activities relating to Bitcoin (including holding Bitcoin and processing Bitcoin-related transactions) shall be conducted by B4U FinancialTM and third parties selected by and qualified to provide services to the Platform.

By registering an account with B4U Financial Ltd. or using any of the Platforms, you agree that you have read, understood and accept all of the terms and conditions contained in this Agreement as well as our Privacy Policy, which is incorporated into this Agreement which may be changed from time to time. The text in the boxes throughout this Agreement are there to help you understand the Agreement, but is not part of the Agreement. If after reading this Agreement in its entirety you are still unsure of anything or you have any questions, please contact us at:

Who is Eligible

In order to have an account to load value to a Network Branded PC or account that you own, you must be at least 18 years of age. Use of the Platforms may have further eligibility or identity confirmation requirements that will need to be verified prior to you using such Platform, or from time to time, in order to continue your use of the Platform. For example, we do not currently support residents of the United States using our Platform. If this changes in the future, we will make this announcement on our site, If you want to have a B4U FinancialTMaccount, these are the rules that you are required to follow. All loading transactions will be in the base currency of your PC or account you provided for the deposit of funds, as part of your Transfer.

Our Registration Process

If you open additional accounts, we reserve the right to immediately close such additional accounts. When registering for your account, you must provide current, complete, and accurate information for all required elements on the registration page. If any of this information changes, it is your obligation to update such information as soon as possible. From time to time we may also require you to provide further information as a condition for continued use of the Platform, including but not limited to a copy of your government issued ID, and a utility bill showing your name and address, no older than three months from submission. In order for you to load value to a PC or account, you authorise B4U FinancialTM, directly or through third parties, to make any inquiries we deem necessary to validate your identity and account information. This may include requesting further information about you such as your date of birth, email address, physical address, and Payment Card information. We reserve the right to maintain your account registration information after you close your account for business and regulatory compliance purposes.

Your Privacy

In order to prevent fraud, and to comply with all applicable regulations and laws, and to deposit value to a PC or account, we need to make sure that you are who you say you are. We are committed to protecting your personal information and helping you understand exactly how your personal information is being used. You should carefully read our Privacy Policy, as it provides details on how your personal information is collected, stored, protected, and used.

How We Communicate

By entering into this Agreement, you agree to receive electronic communications and notifications via text, and/or email in accordance with our policies.

Security of User Information

You are responsible for maintaining the confidentiality and security of any and all account names, user IDs, passwords, personal identification numbers (PINs) and mobile unlock codes that you use to access the Platform. You are responsible for keeping your email address up to date in your B4U FinancialTM account profile and for maintaining the confidentiality of your user information. You agree to Notify B4U FinancialTM at immediately if you become aware of any unauthorized use of the Platform or any other breach of security regarding the Platform.

B4U FinancialTM enable all relevant security features such as two-factor authentication, and or PIN Code to protect your account. B4U FinancialTM will not be liable for any loss or damage arising from your failure to protect your account information. We shall not bear any liability for any damage or interruptions caused by any computer viruses, spyware, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack. We advise the regular use of a reliable virus and malware screening and prevention software, and change your passwords frequently.

If you question the authenticity of a communication purporting to be from B4U FinancialTM, you should log in to your account through the B4U FinancialTM website ( or mobile applications. Never access your account by clicking links contained in emails. Printing and mailing correspondence, disclosures, and account statements takes time and money, so we like to handle these matters electronically. We go to great lengths to protect your account, but we need you to do the same. It is important that you always protect not only your B4U FinancialTM password but also the email account associated with your account. Account security should be a high priority for you at all times.

Account Suspension & Closure

We may, in our sole and absolute discretion, without liability to you or any third party, refuse to let you open an account, suspend your account, or terminate your account or your use of the Platform. Such actions may be taken as a result of account inactivity, failure to respond to customer support requests, failure to positively identify you or your violation of the terms of this Agreement. If you have a balance remaining in an account, which has been suspended or closed, you will be able to recover such funds, unless prohibited by law or a Court Summons.

B4U FinancialTM, , in its discretion, will allow you to either direct the loading of such funds to a PC or account. We reserve the right to require you to provide further identifying information before processing such withdrawal or transfer and to delay or prohibit such withdrawal or transfer if we believe fraudulent or illegal activity has occurred. If you are unable to login to your account, you will need to contact Support at to process such withdrawal. You may terminate this Agreement at any time by closing your account and discontinuing use of the Platform. Upon termination of this Agreement and your account, you remain liable for all transactions made while the account was open.

Platform Provided By Third Parties

B4U FinancialTM provides you with a secure and convenient way to establish an account for purposes of

(a) depositing Bitcoin and loading funds to a PC or account.

B4U FinancialTM is an independent contractor for all purposes and is not your agent or trustee. B4U FinancialTM does not have control of, or liability for, any products on the Platform that are purchased or sold. We strongly suggest that you always protect not only your B4U FinancialTM password but also the email account associated with your account and any device used to access your account.

If you use B4U FinancialTM to commit a crime, we will close your account. If your account is closed, we may require you to complete additional identity verification and fraud prevention steps in order to access funds in that closed account. B4U FinancialTM is not liable for any losses or issues that may arise from such transactions, including, but not limited to, legality, quality, delivery, or satisfaction with any products purchased.

Mobile Platform

To the extent you access the Platform through a mobile device, your wireless service carrier’s standard charges, data rates, and other fees may apply. In addition, downloading, installing, or using one of the B4U FinancialTM mobile applications may be prohibited or restricted by your carrier, and the Platform may not work with all carriers or devices. By using the mobile Platform, you agree that we may communicate with you by SMS, MMS, text message, push notification, and/or other electronic means via your mobile device and that certain information about your usage of the Platform may be communicated to us. In the event that you change or deactivate your mobile telephone number, you agree to promptly update your account information to ensure that your messages are not sent to any person who might acquire your old number. You will receive pin code verifications upon downloading the B4U FinancialTM application. You hereby confirm that with respect to any mobile phone number you have provided, you own the account corresponding to that mobile phone number, or otherwise have the account holder’s permission to use the number. If you use your B4U FinancialTM account to send money to someone in exchange for a product or service, and you have a problem with that product or service, you will need to resolve that dispute directly with the third party. In order to maintain the security of your account, two-factor authentication is required. That means that you need to have a valid phone and update your account information if your phone number changes. By registering a mobile phone number you are agreeing to the specific terms set forth in this Section. The B4U FinancialTM text messaging Platform is provided for most global mobile carriers. B4U FinancialTM is not liable for delayed or undelivered messages by a carrier.

Our Fees or Transaction fee

B4U FinancialTM does charge a Transaction fee as a percent of the value of the Bitcoin you send to us for loading value to the Platform, including the loading of value to PC or account. You also agree to pay any other fees that are disclosed to you with respect to the Platform or that may be charged by your bank. By directing us to load funds to your PC or account, you authorize B4U FinancialTM to communicate with your card issuer financial institution to provide or obtain any information required by B4U FinancialTM in connection with your Transfer.

By providing this information, your bank is neither endorsing B4U FinancialTM, nor is it in any way responsible for the Platform. When you use your Bitcoin Wallet to deposit Bitcoin for loading funds, you are creating a Transfer, which in part is considered an electronic transfer of your Bitcoin. You agree that such requests from your Bitcoin Wallet constitute your authorization to B4U FinancialTM to receive such transfers. Once you have provided your authorization for each Transfer, you will not be able to cancel, or amend the electronic transfer. You authorize B4U FinancialTM to take necessary action to reverse, credit, or debit any payment in connection with any PC or account in your B4U FinancialTM account.

Crypto Currency Conversion & Volatility

When you convert one currency into another currency, for example, Bitcoin to Euros, etc. by confirming a Transfer tied to your PC or account, such currency conversion is completed by B4U FinancialTM to the base currency of your PC or account. You acknowledge that the price or value of any currency may fluctuate and that the conversion rate (the “Conversion Rate”) for converting one currency into another may not be the same Conversion Rate that applies when converting back into that first currency. You will always be shown the applicable Conversion Rate for a transaction prior to consummating the transaction. You agree to deliver the agreed upon payment upon confirmation of a deposit, regardless of changes in a currency’s value. The value of currencies (especially Bitcoin) can rapidly increase or decrease at any time, so B4U FinancialTM cannot guarantee the value of any currency. The Platform does not involve any extension of credit to you, and no credit is extended to you in connection with your use of the Platform. In the event you are entitled to a refund or other payment by B4U FinancialTM, B4U FinancialTM shall have no liability for any losses resulting from a change in the Conversion Rate that may have occurred since the time of the original transaction. We are not responsible for any processing delays that may result in connection with any deposit, or loading transaction. The ability to convert from one currency to another is subject to applicable legal and regulatory restrictions as well as the availability of such currency provided by B4U FinancialTM. All funds received into your B4U FinancialTM account will be delivered in the currency that your PC or account is denominated in, regardless of what crypto currency the transaction is initiated in. For example, if your PC or account is denominated in Euros, we will automatically convert your Bitcoin to Euro based upon the current Conversion Rate. We are not responsible for any losses that might be incurred as a result of the Conversion Rate that applies to a given transaction. The currency conversion rates provided by B4U FinancialTM are constantly changing. If a transaction fails and the applicable conversion rate changes before you can complete the transaction, we are not responsible for any value lost due to that conversion rate change.

Transaction Limits and Transaction Fee Schedule

B4U FinancialTM reserves the right to change the loading and velocity limits on your account, as we deem necessary. We may establish individual or aggregate transaction limits on the amount or number of deposits or withdrawals you make during any specified time period. A “velocity limit” relates to the speed and frequency of transactions. Please see the Tier scheduled below based on your document KYC verification. You will receive a Tier 1 approval with the receipt of basic documents, the additional levels or Tiers are based on enhanced KYC being provided.

The B4U FinancialTM Transaction Fee Schedule

1. If you deposit between 0.5-10 Bitcoin per deposit, your fee is 3%.
2. If you deposit between 11-30 Bitcoin per deposit, your fee is 2.75%.
3. If you deposit between 31-50 Bitcoin per deposit, you fee is 2.5%.

The B4U FinancialTM Tier Schedule. If you request Tier 4 certification, you may be required to provide additional KYC verification.

Tier 1: Up to 10 Bitcoin per deposit, with a monthly limit of 3 Transfers per month.
Tier 2: Up to 20 Bitcoin per deposit, with a monthly limit of 6 Transfers per month.
Tier 3: Up to 30 Bitcoin per deposit, with a monthly limit of 12 Transfers per month.
Tier 4: Up to 50 Bitcoin per deposit, with a monthly limit of 30 Transfers per month.

Our Right to Suspend or Delay Transactions

We reserve the right to change, suspend, or discontinue any aspect of the Platform at any time, including hours of operation, or availability of any feature, without notice, and without liability. We may decline to process any deposit or withdrawal without prior notice, and may limit, or suspend your use of one or more Platforms at any time, at our sole discretion. Suspension of your use of any of the Platforms will not affect your rights and obligations pursuant to this Agreement. We may, in our sole discretion, delay deposits or withdrawals if we believe the transaction is suspicious, may involve fraud or misconduct, violates applicable laws, or violates the terms of this Agreement.

Insufficient Funds

We will load value to a PC or account equal to the amount of the Bitcoin less the transaction fee, we receive per your Transfer. If your account has a negative balance as a result of a deposit being rejected, or reversed, B4U FinancialTM may deduct amounts you owe from the balance of your account, or from Bitcoin value you subsequently deposit, or receive into your account. If B4U FinancialTM requests that you complete a deposit in order to resolve a negative balance issue, and you fail to do so, you authorize B4U FinancialTM to initiate a deposit in the amount of such deficiency from your linked, PC or account. If you have more than one account, B4U FinancialTM may offset the negative balance in one account by using the balance in the other account you own. To secure your performance of this Agreement, you grant to B4U FinancialTM a lien on, and security interest in, the balances in your account. In the event that B4U FinancialTM is forced to engage a third party to assist with the recovery of any negative balance, overdraft or chargeback, you will be charged any fees or expenses that are incurred by B4U FinancialTM in connection with such recovery efforts, including, but not limited to, collection fees or convenience fees charged by third parties. You hereby explicitly agree that all communication in relation to a delinquent account will be made by electronic mail. Note that if B4U FinancialTM is forced to engage such third parties in connection with recovering amounts that you owe B4U FinancialTM, your credit may be negatively impacted.


Once you have initiated and confirmed a Transfer, it cannot be cancelled or reversed. You should periodically review statements from your bank, which should reflect all applicable loading transactions made using that payment method. You can also always access the record of your loading transactions by logging into your B4U FinancialTM account.

Restricted Activities

Critical to your usage of the Platform, is that you hereby agree that you will not: violate (or assist any other party in violating) any applicable law, statute, ordinance, or regulation; intentionally try to defraud (or assist in the defrauding of) B4U FinancialTM or other B4U FinancialTM users; provide false, inaccurate, or misleading information; take any action that interferes with, intercepts, or expropriates any Platform, data, or information; partake in any transaction involving the proceeds of illegal activity; transmit or upload any virus, worm, or other malicious software or program; attempt to gain unauthorized access to other B4U FinancialTM accounts, the B4U FinancialTM website, or any related networks or Platforms; use the Platform on behalf of any third party or otherwise act as an intermediary between B4U FinancialTM and any third parties; collect any user information from other B4U FinancialTM users, including, without limitation, email addresses; defame, harass, or violate the privacy or intellectual property rights of B4U FinancialTM or any other B4U FinancialTM users; or other B4U FinancialTM users; or upload, display or transmit any messages, photos, videos or other media that contain illegal goods, pornographic, violent, obscene or copyrighted images or materials for use as an avatar, in connection with a payment or payment request, or otherwise.

Acquiring Bitcoins

You can use your B4U FinancialTM account to buy Bitcoin for sale on other registered platforms and exchanges or to sell Bitcoin acquired from other registered platforms and exchanges. You cannot use your B4U FinancialTM account to

(i) buy Bitcoin for sale to individuals through peer-to-peer brokerage services, or unregistered exchanges (such as Local Bitcoins, Craigslist, eBay or similar websites),

(ii) sell Bitcoin that you have acquired directly from individuals through peer-to-peer brokerage systems or unregistered exchanges (such as Local Bitcoins, Craigslist, eBay or similar websites), or

(iii) buy or sell Bitcoin on behalf of anyone else. In the event that B4U FinancialTM learns that you are making any such prohibited payments, B4U FinancialTM may suspend or terminate your B4U FinancialTM Account.

Any Taxes

B4U FinancialTM will maintain a record of your transaction history, which you will be able to access through your B4U FinancialTM Account for purposes of making any tax filings or payments. It is your responsibility to determine what, if any, taxes apply to the payments you make or receive, and to collect, report, and remit the correct tax to the appropriate tax authority. B4U FinancialTM will not make any tax withholdings or filings on your behalf. B4U FinancialTM is not responsible for determining whether taxes apply or are payable as a result of your transaction, or for collecting, reporting, or remitting any taxes arising from any transaction.


You agree to indemnify and hold B4U FinancialTM, , its affiliates, and service providers, and each of their officers, directors, agents, joint ventures, employees, and representatives harmless from any claim or demand (including attorneys’ fees and any losses, fines, fees or penalties imposed by any regulatory authority) arising out of your breach of this Agreement, your violation of any websites, or buy or sell Bitcoin on behalf of anyone else. If you have a dispute, you release B4U FinancialTM (and its affiliates and service providers, and each of their officers, directors, agents, joint ventures, employees and representatives) from any and all claims, demands, and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes.

Limitation of Liability



(II) THE COST OF PROCUREMENT OF SUBSTITUTE “Indemnify” means to compensate someone for the harm or loss they may suffer. If you breach this Agreement or violate the law and it results in B4U FinancialTM facing claims or expenses, you agree to cover those losses. If you have a dispute with anyone other than B4U FinancialTM, you release us from liability associated with that;







B4U FinancialTM will make reasonable efforts to ensure that requests for electronic debits and credits involving PCs or accounts are processed in a timely manner, but B4U FinancialTM makes no representations or warranties regarding the amount of time needed to complete processing because the Platform is dependent upon many factors outside of our control, such as delays in the banking system, internet or the international mail service. We will not be liable for “exemplary damages” (often called punitive damages) or other indirect losses. So if we do something wrong that costs you Euro 200, our liability is limited to that Euro 200. We cannot guarantee that B4U FinancialTM is always going to meet your demands. As we grow we will likely add new Platforms, change certain features and drop old features. We hope you are always happy with B4U FinancialTM, but we can’t contractually guarantee you will be. We have no control (nor does anyone else), such as delays in the global banking system, Internet or international mail service. Some countries or jurisdictions do not allow the disclaimer of implied warranties, so the foregoing disclaimers may not apply to you.

Force Majeure

B4U FinancialTM shall have no liability for any failure or delay resulting from any condition beyond our reasonable control, including but not limited to governmental action or acts of terrorism, earthquake, fire, flood, or other acts of God, labor conditions, power failures, equipment failures, and Internet disturbances.

Arbitration for Claims by You

Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought, in an individual capacity only, and not on a class-wide or representative basis, in the courts specified without the posting of a bond), any dispute between you and B4U FinancialTM related in any way to, or arising in any way from, our Platform or this Agreement (“Dispute”) shall be finally settled on an individual, non-representative basis in binding arbitration in accordance with rules on which we may mutually agree; provided, however, that to the extent a Dispute is within the scope of a small claims court’s jurisdiction, either you or B4U FinancialTM may commence an action in USA to resolve the Dispute. Any arbitration will be conducted by a single, neutral arbitrator and shall take place in USA. The arbitrator may award any relief that a court of competent jurisdiction could award, including attorneys’ fees when authorized by law. The arbitral decision may be enforced in any court of competent jurisdiction in USA. An arbitral decision is subject to very limited review by a court in USA.


We may amend any portion of this Agreement at any time by posting to the Platform the revised version of this Agreement with an updated revision date. The changes will become effective, and shall be deemed accepted by you, the first time you use the Platform after the initial posting of the revised User Agreement and shall apply on a going-forward basis with respect to transactions initiated after the posting date. In the event that you do not agree with any such modification, your sole and exclusive remedy is to terminate your use of the Platform and close your account. You agree that we shall not be liable to you or any third party as a result of any losses suffered by any modification or amendment of this Agreement. If the revised Agreement includes a material change we will provide you with prior notice via our website and/or email before the material change becomes effective. For this purpose a “material change” means a major change other than changes that

(i) are to your benefit,

(ii) are required to be made to comply with applicable laws and/or regulations or as otherwise required by one of our regulators,

(iii) relates to a new product or service made available to you, or

(iv) to otherwise clarify an existing term.


You may not transfer or assign this Agreement or any rights or obligations hereunder, by operation of law or otherwise and any such attempted assignment shall be void. We reserve the right to freely assign this Agreement and the rights and obligations of this Agreement. If there is a dispute; it will be solved by a single, neutral arbitrator, located in USA and not in a USA courtroom. As B4U FinancialTM grows and offers new products and Platforms, we will need to make changes to this Agreement. If we make a big change, we’ll let you know by email. You can always tell when checking the “Last Updated” date at the top of the Agreement. We may change any third party provider at any time without notice or consent. If you object to such transfer or assignment, you may stop using our Platform and terminate this Agreement.


Upon termination of your account or this Agreement for any reason, all rights and obligations of the parties that by their nature are continuing will survive such termination.

Third Party Applications

You grant express permission to a B4U FinancialTM third party partner to connect to your account, either through the third party's product or through B4U FinancialTM, you acknowledge that granting permission to a B4U FinancialTM third party partner to take specific actions on your behalf does not relieve you of any of your responsibilities under this Agreement. Further, you acknowledge and agree that you will not hold B4U FinancialTM responsible for, and will indemnify B4U Financial from, any liability arising from the actions or inactions of this third party partner in connection with the permissions you grant.


B4U Financial Ltd. strives to provide accurate and reliable information and content on the B4U FinancialTM website, but such information may not always be correct, complete, or be up to date. B4U FinancialTM will update the information on the B4U FinancialTM website as necessary to provide you with the most up to date information, but you should always independently verify such information. The B4U FinancialTM website may also contain links to third party websites, applications, events or other materials (“Third Party Content”). Such information is provided for your convenient use of the Platform, and links or references to Third Party Content does not constitute an endorsement by B4U FinancialTM of any products or Platform. B4U FinancialTM shall have no liability for any losses incurred as a result of actions taken in reliance on the information contained on the B4U FinancialTM website or in any Third Party Content.

Limited License

B4U FinancialTM from time to time might post helpful links or articles on our website, but you should investigate those sources on your own. We grant you a limited, non-exclusive, non-sub licensable and non-transferable license of our Intellectual Property, subject to the terms and conditions of this Agreement, to access and use the Platform solely for approved purposes as determined by B4U FinancialTM. Any other use of the Platform is expressly prohibited. B4U FinancialTM and its Third Party Partners reserve all rights in the Platform and you agree that this Agreement does not grant you any rights, ownership or licenses to the Platform except for the limited license set forth. Except as expressly authorized by B4U FinancialTM, you agree not to modify, reverse engineer, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Platform, in whole or in part. If you violate any portion of this Agreement, your permission to access and use the Platform may be terminated pursuant to this Agreement. "", "B4U FinancialTM", and all logos related to the Platform are either trademarks, or registered marks of B4U Financial Ltd. or Third Party Partners. You may not copy, imitate, or use them without B4U FinancialTM Compliance Team's prior written consent. All rights, title, and interest in and to the B4U Financial Ltd. website, any content therein, the Platform, and all technology and any content created or derived from any of the foregoing is the exclusive property of B4U Financial Ltd. and its Third Party Partners.

Unclaimed Property

If B4U FinancialTM is holding funds in a wallet on your behalf, and B4U FinancialTM is unable to contact you, and has no record of your use of the Platform for one year, applicable law may require B4U FinancialTM to report these funds as unclaimed property to the applicable jurisdiction. If this occurs, B4U FinancialTM will try to locate you via email and international mail service, at the address shown in our records, but if B4U FinancialTM is unable to locate you, it may be required to deliver any such funds to the applicable jurisdiction. B4U FinancialTM reserves the right to deduct a dormancy fee or other administrative charges from such unclaimed funds, as permitted by applicable law.

Legal Use of the Platform

We grant you access to use all of our products and Platform, but we still own the Intellectual Property associated with these products and Platform. If you haven’t logged into your B4U FinancialTM account for one year, and we are unable to get in touch with you, USA law might require us to consider your account abandoned and we might then be required to transfer your account balance to the applicable jurisdiction.

Legal Compliance

The Platform is subject to European Union Commission Regulations, and by using the Platform, you represent that your actions are not in violation of such restrictions. Without limiting the foregoing, you may not use the Platform if

(i) you are a resident, national or agent of North Korea, Iran, Sudan, Syria or any other country to which the European Union embargoes goods (“Restricted Territories”),

(ii) you are on the Table of Denial Orders, the Entity List, or the List of Specially Designated Nationals (“Restricted Persons”), or

(iii) you intend to supply Bitcoin to or otherwise transact with any Restricted Territories or Restricted Persons.

Governing Law

We operate the Platform under laws of the European Union and specifically those of USA, and these laws shall govern this User Agreement. Except for those disputes that shall be resolved in arbitration in the Country of USA.

Entire Agreement

The failure of B4U Financial Ltd. to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of this Agreement shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and remain enforceable between the parties, except as specified herein. The heading and explanatory text are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. This Agreement, including B4U FinancialTM policies governing the Platform referenced herein, the Privacy Policy, the Cookie Policy and constitutes the entire agreement between you and B4U Financial Ltd. with respect to the use of the Platform.

This Agreement is not intended and shall not be construed to create any rights, ownership or remedies in any parties other than you and B4U Financial Ltd. and other B4U Financial Ltd. affiliates which each shall be a third party beneficiary of this Agreement, and no other person shall assert any rights as a third party beneficiary hereunder.