1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the website located at stablecoinfinancehub.com (the "Site") and any related services, including but not limited to stablecoin-based payroll processing, treasury management, and business finance tools (collectively, the "Services") provided by Stablecoin Finance Hub ("Company," "we," "us," or "our").

By accessing or using the Services, you agree to be bound by these Terms. If you are using the Services on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms. If you do not agree to these Terms, you may not use the Services.

You must be at least 18 years old and capable of forming a binding contract to use the Services. The Services are intended for businesses and individuals located in the United States.

2. Intellectual Property Rights

2.1 Ownership

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

2.2 License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as expressly permitted in these Terms.

2.3 Feedback

If you provide us with any feedback, suggestions, or ideas regarding the Services, you grant us a non-exclusive, worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, and incorporate such feedback into our Services without any obligation to you.

3. User Restrictions and Acceptable Use

3.1 Permitted Use

You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation, including but not limited to anti-money laundering (AML), counter-terrorism financing (CTF), and sanctions laws.
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent.
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity.
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Services, or which, as determined by us, may harm the Company or users of the Services or expose them to liability.

3.2 Prohibited Activities

You further agree not to:

• Use the Services to process payroll or treasury transactions for illegal activities, including but not limited to fraud, money laundering, or terrorist financing.
• Use the Services in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party's use of the Services.
• Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
• Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.
• Attack the Site via a denial-of-service attack or a distributed denial-of-service attack.

3.3 Compliance with Laws

You are responsible for complying with all laws, rules, and regulations applicable to your use of stablecoins, including but not limited to tax reporting, payroll regulations, and money transmission laws. You agree to provide accurate and complete information as required for compliance with AML and CTF obligations.

4. Limitation of Liability

To the fullest extent permitted by law, in no event will the Company, its affiliates, or their licensors, service providers, employees, agents, officers, or directors be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the Site or the Services, including any direct, indirect, special, incidental, consequential, or punitive damages, including but not limited to, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

The foregoing does not affect any liability that cannot be excluded or limited under applicable law.

5. Disclaimers

5.1 General Disclaimer

Your use of the Site and the Services is at your own risk. The Site and the Services are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. Neither the Company nor any person associated with the Company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Site or the Services.

5.2 No Financial Advice

The information provided through the Services is for general informational purposes only and does not constitute financial, investment, legal, or tax advice. You should consult with your own advisors before making any financial decisions.

5.3 Stablecoin Risks

You acknowledge that stablecoins are subject to various risks, including but not limited to price volatility, regulatory changes, and technological vulnerabilities. We do not guarantee the stability or value of any stablecoin. You are solely responsible for evaluating the risks associated with using stablecoins for payroll and treasury functions.

6. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of or related to these Terms or the Services shall be instituted exclusively in the federal courts of the United States or the courts of the State of California, in each case located in the City and County of San Francisco. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

7. Changes to Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter. Your continued use of the Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

8. Contact Information

If you have any questions about these Terms or the Services, please contact us at:

Stablecoin Finance Hub
Suite 410, 1140 Folsom Street
San Francisco, CA 94103
Email: contact@stablecoinfinancehub.com
Phone: +1 (415) 738-2946

These Terms were last updated on October 29, 2026.