Terms of Service

These Terms of Service ("Terms") form a binding agreement between you ("you") and ABC LLC, a company registered under applicable law and operating the GlobalOne1 Money platform ("GlobalOne1 Money", "we", "us"). By creating an account or using any part of the platform you accept these Terms in full.

1. What we are

GlobalOne1 Money is a software product. ABC LLC is not a bank, money transmitter, or broker-dealer. Custody of fiat balances, on-chain settlement, and money movement are performed exclusively by our regulated banking partners (currently Bridge and Hifi). Your funds are held with those banking partners under their respective terms; ABC LLC never takes possession of your money.

2. Eligibility

You must be at least 18 years of age, legally capable of entering a contract, and not resident in or a national of any jurisdiction subject to comprehensive sanctions (including but not limited to Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, Luhansk, and Zaporizhzhia regions). We may decline service or terminate your account at any time if we determine that your use violates law, our acceptable-use policy, or our partner banks' requirements.

3. Your account

You are responsible for the accuracy of information you provide, for safeguarding your credentials and any second-factor device, and for all activity that occurs under your account. Notify us immediately at security@globalone.money if you suspect unauthorized access.

4. KYC, AML, and sanctions screening

Onboarding collects light-touch information used for risk scoring. Heavy KYC — government-issued ID, proof of address, source of funds where required — is performed by Bridge or Hifi when you initiate your first transaction. We may share information you provide with these partners and other third parties to satisfy our and their compliance obligations under applicable AML, CFT, and sanctions regimes. See our AML/KYC notice.

5. Fees

Pricing is published at /pricing and may change with reasonable notice. Per-rail fees pass through from the relevant banking partner without markup unless explicitly noted. FX rates are interbank plus a small spread disclosed before each transaction.

6. Acceptable use

You may not use the platform for: money laundering, terrorist financing, sanctions evasion, fraud, gambling where unlawful in your jurisdiction, sale of regulated goods without a license, ransom payment, or any conduct violating applicable law. We monitor for these patterns and may freeze, reverse, or refuse transactions accordingly.

7. Risk disclosures

Stablecoin balances are not deposits and are not insured by the FDIC, FSCS, or any equivalent scheme. On-chain transfers are irreversible once confirmed. Cross-border payouts depend on third-party banking infrastructure and may be delayed or rejected for compliance reasons outside our control.

8. Limitation of liability

To the maximum extent permitted by law, ABC LLC's total aggregate liability arising out of or relating to these Terms or your use of the platform will not exceed the lesser of (a) the fees you paid us in the 12 months before the event giving rise to the claim, or (b) USD 1,000. In no event will we be liable for indirect, incidental, special, consequential, or punitive damages.

9. Termination

You may close your account at any time. We may suspend or terminate your account on notice for violation of these Terms, partner-bank requirements, or applicable law, or where we believe continued service creates undue risk. On termination, we will return any remaining balances, less fees and any amounts subject to legitimate hold, to a destination of your choosing.

10. Governing law and disputes

These Terms are governed by the laws of the jurisdiction in which ABC LLC is registered, without regard to conflict-of-law principles. Disputes will be resolved by binding arbitration in that jurisdiction, except where applicable consumer-protection law grants you a non-waivable right to a different forum.

11. Changes

We may update these Terms from time to time. Material changes will be announced by email and in-product at least 30 days before they take effect. Continued use after the effective date constitutes acceptance.

12. Contact

Questions: legal@globalone.money. Postal address available on request.

This document is a draft for review. Before going live, have it reviewed by counsel admitted in your operating jurisdiction.