Terms of Service

For purposes of these Terms:

• Digital Assets means cryptocurrencies, stablecoins, tokenized assets, or any blockchain-based digital representation of value supported by the Services.
• Self-Custody Wallet means a blockchain wallet where the user, rather than Shaheen Money, controls the wallet credentials and digital assets.
• Connector means an independent third-party business or individual participating in the Shaheen Money Connector Network to facilitate local cash-in, cash-out, payment collection, or other authorized financial services.
• Merchant means a business accepting payments through Shaheen Money.
• Third-Party Provider means an independent regulated financial institution or service provider that offers services through or alongside Shaheen Money, including but not limited to payment processors, money transmitters, banks, identity verification providers, custodians, blockchain infrastructure providers, or liquidity providers.

To use the Services you must:

• be at least 18 years old (or the age of legal majority in your jurisdiction);
• have legal capacity to enter into binding agreements;
• comply with applicable laws;
• not be located in or ordinarily resident in any jurisdiction where use of the Services is prohibited;
• not appear on applicable sanctions or restricted-party lists when using regulated financial services.

Certain Services may only be available in supported jurisdictions.

Shaheen Money is a borderless digital money platform that enables eligible users to:

• create blockchain wallets;
• send and receive supported Digital Assets;
• make peer-to-peer payments;
• pay participating merchants;
• receive payments;
• access supported fiat funding and withdrawal services through regulated Third-Party Providers;
• interact with participating Connectors where available.

Shaheen Money continuously evolves and may add, modify, or discontinue features over time.

Shaheen Money provides technology services.

Unless expressly stated otherwise for a specific product, Shaheen Money does not take custody of users' Digital Assets or fiat funds.

Our Services primarily provide software that enables users to interact with supported blockchain networks and authorized financial partners.

Some Services are provided entirely by independent Third-Party Providers under their own terms and privacy policies.

Your wallet is your responsibility.

Unless explicitly identified as a custodial product:

• you control your wallet;
• you control your Digital Assets;
• you are responsible for safeguarding your recovery credentials;
• blockchain transactions are generally irreversible.

Shaheen Money cannot reverse blockchain transactions.

Shaheen Money cannot restore access to wallets where recovery credentials have been permanently lost unless optional recovery features have been activated and are available.

Certain regulated services—including, but not limited to: fiat deposits; bank transfers; debit card funding; cash pickup; cash withdrawal; identity verification; payment processing; settlement; liquidity services; business wallets; and similar financial services—may be offered by independent Third-Party Providers.

Those providers may require you to:

• complete Know Your Customer (KYC) verification;
• provide additional personal information;
• agree to their own terms;
• comply with their regulatory obligations.

Shaheen Money is not responsible for decisions made by Third-Party Providers, including account approvals, transaction delays, rejected transactions, compliance reviews, or service availability.

Supported Digital Assets may change over time.

Shaheen Money does not guarantee:

• the value of any Digital Asset;
• liquidity;
• availability;
• network performance;
• blockchain confirmation times.

Users acknowledge that Digital Assets may fluctuate significantly in value and that blockchain networks may experience congestion, outages, forks, or other technical events beyond our control.

To create an account you may be asked to provide:

• full name;
• email address;
• mobile number;
• country of residence;
• additional information where legally required.

You agree that all information you provide is accurate and current.

You are responsible for:

• securing your device;
• protecting authentication credentials;
• enabling biometric security where available;
• maintaining access to your recovery methods.

Shaheen Money may introduce optional wallet recovery mechanisms, such as social recovery or guardian-based recovery, which will be governed by additional terms if and when they become available.

Some Services are free.

Certain Services may involve:

• network fees;
• blockchain fees;
• third-party processing fees;
• payment provider fees;
• connector service fees;
• merchant fees;
• foreign exchange fees;
• applicable taxes.

Any applicable fees will be disclosed before transaction confirmation whenever reasonably practicable.

Shaheen Money may make available a network of independent businesses or individuals ("Connectors") that facilitate certain local financial services, including but not limited to cash deposits, cash withdrawals, payment collection, merchant settlement, and other approved services.

Connectors are independent service providers and are not employees, agents, partners, or representatives of Shaheen Money, unless expressly stated otherwise.

Connector Services

Connector services may include:

• Cash-in services;
• Cash-out services;
• Merchant settlement;
• Bill payments;
• Payment collection;
• Additional services approved by Shaheen Money.

Availability of Connector services varies by jurisdiction and is subject to applicable laws and regulatory requirements.

Identity Verification

Certain Connector transactions may require identity verification or additional information in accordance with applicable laws or the requirements of regulated Third-Party Providers.

Users agree to cooperate with any verification process required to complete a transaction.

Transaction Limits

Connector transactions may be subject to:

• minimum and maximum transaction limits;
• liquidity availability;
• operating hours;
• regulatory restrictions;
• compliance reviews.

Shaheen Money does not guarantee that any Connector will be available at any specific time or location.

Independent Businesses

Each Connector operates independently and is responsible for complying with applicable laws governing its business.

Shaheen Money is not responsible for:

• a Connector's business operations;
• cash availability;
• pricing outside disclosed platform fees;
• customer service provided independently by the Connector;
• delays caused by the Connector;
• losses resulting from inaccurate information provided by the user or Connector.

If a dispute arises regarding a Connector transaction, Shaheen Money may assist in investigating the matter but does not guarantee a particular outcome.

Shaheen Money enables users to make payments to participating merchants using supported payment methods and Digital Assets.

Merchants participating in the Shaheen Money ecosystem are independent businesses.

Shaheen Money does not sell, manufacture, inspect, endorse, or guarantee any goods or services offered by merchants.

Payment Authorization

By initiating a payment, you authorize the transfer of the selected Digital Assets to the designated merchant wallet or payment destination.

Once confirmed on the applicable blockchain network, transactions are generally irreversible.

Users are responsible for verifying:

• merchant identity;
• payment amount;
• payment details;
• destination wallet or QR code

before authorizing any transaction.

Merchant Disputes

Disputes concerning:

• products,
• services,
• refunds,
• warranties,
• delivery,
• cancellations,

must be resolved directly between the customer and the merchant.

Shaheen Money is not responsible for the quality, legality, safety, availability, or performance of products or services offered by merchants.

You agree not to use the Services for any unlawful, fraudulent, abusive, or prohibited purpose.

Prohibited activities include, but are not limited to:

• violating any applicable law or regulation;
• money laundering;
• terrorist financing;
• sanctions evasion;
• fraud or attempted fraud;
• identity theft;
• operating unauthorized financial services;
• transmitting malicious software;
• unauthorized access to the Services;
• interfering with platform security;
• creating multiple accounts to circumvent platform restrictions;
• using stolen payment instruments;
• engaging in deceptive, misleading, or abusive conduct;
• exploiting vulnerabilities within the Services;
• facilitating illegal gambling or other prohibited commercial activities;
• using the Services in connection with ransomware, cybercrime, or other criminal enterprises.

Shaheen Money reserves the right to suspend or terminate access where prohibited activity is suspected.

Shaheen Money is committed to supporting a safe and compliant financial ecosystem.

Although certain regulated financial services are provided by licensed Third-Party Providers, users acknowledge that access to the Services may be subject to applicable legal and regulatory requirements.

Where required by law or by a Third-Party Provider, users may be required to:

• complete identity verification;
• provide supporting documentation;
• verify the source of funds;
• verify the purpose of transactions;
• comply with applicable sanctions screening and anti-money laundering requirements.

Shaheen Money reserves the right to:

• restrict or decline transactions;
• suspend specific Services;
• request additional information;
• cooperate with lawful requests from regulatory or law enforcement authorities;
• comply with court orders or other legally binding obligations.

Nothing in these Terms limits any legal obligations imposed on regulated Third-Party Providers or users under applicable law.

The Services, including all software, technology, designs, user interfaces, graphics, trademarks, logos, text, documentation, APIs, and other content made available by Shaheen Money, are owned by or licensed to Bankey LLC and are protected by applicable intellectual property laws.

Subject to these Terms, Shaheen Money grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services solely for their intended purpose.

You may not:

• copy or reproduce the Services;
• modify or create derivative works;
• reverse engineer or attempt to extract source code;
• sublicense or distribute the Services;
• use the Shaheen Money name, trademarks, or branding without prior written permission.

All rights not expressly granted under these Terms are reserved by Bankey LLC.

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.