MULTIBANQ is a trademark of GTECHSPRO S.A. (“Gtechspro”). MULTIBANQ operates through affiliated entities and partners in multiple jurisdictions, including Switzerland. The applicable contracting entity for any commercial relationship is identified in the relevant client agreement or order form.

1. Who We Are
MULTIBANQ is a business-to-business (B2B) financial technology platform that provides software, operational tooling, and workflow coordination supporting regulated financial institutions and licensed service providers in delivering financial services to their clients.
The Platform’s software and infrastructure are powered by GTECHSPRO S.A., registered in Panama (company number 155675414) with registered address Corregimiento Ciudad de Panamá, Distrito Panamá, Provincia Panamá.
Client contracting, onboarding, and compliance oversight may be supported through a Swiss-based affiliated entity, including Swiss Fintech Forum AG, depending on the service and client profile. The contracting entity is always stated in the applicable client agreement.

2. Scope of Services
Depending on service configuration, jurisdiction, and eligibility, MULTIBANQ supports workflows that may include:

• Crypto-to-fiat and fiat-to-crypto transaction workflows via licensed third-party providers

• Cross-border payout coordination and tracking

• Operational dashboards and status tracking

• Wallet and account tooling made available via third-party providers

• IBAN / account opening workflows via licensed providers

• Card program workflows via licensed providers

• API and white-label infrastructure for approved business clients

Services are designed for business and professional users. Availability can differ by country, corridor, client profile, and compliance requirements.

3. Service Status Labels (Platform Display)
Services displayed on the Platform may be labeled as:

• Business

• Signed

• Active

• Live

These labels describe commercial and operational readiness at a given time. Service delivery remains subject to onboarding, compliance approval, jurisdictional constraints, partner availability, and operational capacity.

4. Third-Party Providers & Data Sharing
MULTIBANQ delivers services through regulated and professional third-party providers (such as payment institutions, banks, custodians, liquidity venues, card program partners, and compliance technology vendors).
To enable onboarding and service delivery, you acknowledge that identity verification and due diligence information you provide may be shared with relevant third-party providers involved in delivering the requested service (for example: KYB/KYC verification, screening, payouts, wallet services, IBAN/account opening, or card issuance).
Third-party providers may apply their own terms, policies, limits, processing times, and eligibility rules to the services they provide.

5. Onboarding, Verification & Compliance
Use of Services is subject to onboarding and verification processes required to meet legal, regulatory, and risk controls, including AML/CTF and sanctions compliance.
You agree to provide accurate, current, and complete information and to promptly update it if it changes. Accounts or requests may remain limited until verification is completed to the satisfaction of the relevant service configuration and compliance requirements.
MULTIBANQ may request additional information or documentation for compliance review, risk assessment, fraud prevention, or operational security.

6. Manual Operations & Transitional Processing
During initial, pilot, or transitional phases, certain actions and transaction status updates may be processed manually or semi-manually and may include human review. You acknowledge that processing times, status updates, and settlement timing may vary depending on corridor, partner processes, and compliance review.

7. Fees
Fees and pricing are defined in commercial proposals, order forms, or separate agreements. Third-party provider fees may apply and are typically disclosed at the transaction or service level where applicable.

8. Platform Security & Account Responsibility
You are responsible for maintaining the confidentiality of account credentials and for all activity initiated through your account. You agree to use the Platform in a secure manner and to notify MULTIBANQ promptly if you suspect unauthorized access or suspicious activity.
Cryptoasset transfers can be irreversible once executed on-chain; you are responsible for confirming destination details before initiating a transfer.

9. Acceptable Use
You agree to use the Site and Services for lawful purposes and in compliance with applicable laws and regulations, including AML/CTF and sanctions requirements. You agree to refrain from using the Platform for unlawful activity, fraud, abuse, malicious interference, or attempts to access systems or data without authorization.

10. Risk Warning (Cryptoassets)
Cryptoassets and related transactions involve market, liquidity, technological, operational, and regulatory risks. Values can be volatile and may change rapidly. You should evaluate whether your business and risk tolerance are suitable for any cryptoasset-related activity and seek independent professional advice where appropriate.

11. Availability & Operational Continuity
MULTIBANQ aims to provide reliable access to the Site and Services and may occasionally conduct maintenance, upgrades, or changes. Service interruptions or delays may occur due to operational, partner, network, or external factors.
12. APIs & Widgets
Where MULTIBANQ provides APIs, widgets, or integration components, you agree to use them in accordance with documentation and any applicable commercial terms. MULTIBANQ may update or change integration interfaces to improve performance, security, or functionality.

13. Intellectual Property & Trademarks
All software, content, branding, trademarks, and materials on the Site and Platform are owned by MULTIBANQ and/or its licensors, except where stated otherwise. You may not copy, reproduce, modify, distribute, scrape, or exploit any part of the Site or Platform without written permission.
All third-party trademarks, logos, and brand names displayed are the property of their respective owners.

14. External Websites
The Site may reference or link to external websites. External websites operate under their own terms and policies. You assume the risk of accessing third-party websites and content.

15. Limitation of Liability
To the maximum extent permitted by applicable law, MULTIBANQ and its affiliates are not liable for indirect, incidental, consequential, or punitive damages, or for losses arising from market volatility, blockchain network events, third-party provider actions, service interruptions, or delays in settlement and processing.
Where liability cannot be excluded, it is limited to the maximum extent permitted by applicable law and, where applicable, may be capped under the relevant service agreement.

16. Indemnity
You agree to indemnify and hold harmless MULTIBANQ, its affiliates, and partners from claims, damages, liabilities, and expenses arising from your use of the Site/Services, breach of these Terms, or violation of applicable laws.

17. Suspension & Termination
MULTIBANQ may suspend, restrict, or terminate access to the Services for compliance, risk, security, operational, or legal reasons. You may stop using the Services at any time. Contractual provisions in separate agreements may continue to apply after termination where relevant.

18. Privacy & Cookies
Personal data is processed in accordance with the MULTIBANQ Privacy Policy and Cookies Statement, each incorporated by reference into these Terms.

19. Governing Law & Jurisdiction
These Terms are governed by the laws applicable to the relevant MULTIBANQ operating entity and the nature of the service. The contracting entity and applicable jurisdiction for any paid service relationship are identified in the relevant agreement with the client.

20. Changes to These Terms
MULTIBANQ may update these Terms from time to time. Updated versions are effective upon publication on the Site, unless stated otherwise.

21. Contact
For questions regarding these Terms, please contact: info@multibanq.com
Website Disclaimer (Footage, Demos, and Illustrations)

A. Website Footage Disclaimer
The Site may display product screens, dashboards, demos, screenshots, illustrations, and videos (“Website Footage”) to illustrate platform concepts, workflows, service flows, and operational capabilities. Website Footage may reflect live, pilot, or manually operated processes depending on service status and client configuration.

B. No Commercial Commitment by Website Content
Information on the Site is provided for informational purposes. Services are delivered subject to agreement, onboarding, compliance approval, regulatory eligibility, partner availability, and operational capacity.

C. PSD2 Standards Reference
Where the Site references PSD2 or displays a PSD2 logo, it reflects technical and operational alignment with PSD2-related standards and prior deployment with PSD2-authorized financial institutions. It does not represent a regulatory license held by MULTIBANQ.