TERMS OF SERVICE

1. INTRODUCTION

These Terms of Service (“Terms”) govern your access to and use of the DashX platform and related services (collectively, the “Platform”) operated by DashX Payments Inc., a Wyoming corporation (“DashX”, “we”, “us”, or “our”).

By accessing or using the Platform, you agree to be bound by these Terms, our Privacy Policy, Compliance Disclosures, Prohibited Use Policy, and E-Sign & Electronic Communications Notice (collectively, the “Agreement”).

If you do not agree, you must not use the Platform.

You consent to receive communications electronically in accordance with our E-Sign & Electronic Communications Notice.

2. NATURE OF SERVICES

DashX provides financial technology infrastructure that enables businesses and independent contractors to coordinate:

• Cross-border payment workflows
• Export-related payment routing
• Documentation and reconciliation workflows
• Settlement orchestration
• Compliance coordination with regulated partners

DashX operates strictly as a technology and orchestration layer.

DashX does not:

• Operate as a bank
• Accept deposits
• Custody or hold customer funds
• Issue credit
• Operate as an Authorized Dealer (AD-1) bank
• Independently conduct foreign exchange transactions
• Independently perform regulated KYC or AML reporting functions
• Act as a reporting entity under Indian PMLA in the ordinary course of its business operations

All regulated financial services accessible through the Platform are performed by licensed third-party institutions (“Regulated Partners”) in accordance with applicable law.

DashX does not provide legal, tax, accounting, or investment advice.

3. ROLE OF REGULATED PARTNERS

Certain regulated services made accessible through the Platform are provided by third-party licensed entities (“Regulated Partners”).

These services may include:

• Identity verification (KYC / KYB)
• AML monitoring and transaction screening
• Sanctions compliance
• Regulatory reporting
• Domestic settlement execution
• Foreign exchange conversion and routing
• Cross-border banking coordination

Regulated Partners are solely responsible for performing regulated financial functions in accordance with applicable laws and regulatory requirements.

You may be required to agree to additional terms imposed by such partners.

Access to regulated services is subject to approval, review, and ongoing monitoring by those partners.

DashX does not control partner compliance determinations and is not responsible for partner decisions, delays, freezes, or restrictions.

4. DOMESTIC PAYMENT FLOWS (INDIA)

Where domestic settlement occurs within India, such settlement is executed through licensed, compliant, and FIU-registered partner entities.

These partners are responsible for:

• KYC / KYB onboarding
• AML monitoring
• Suspicious transaction reporting
• Regulatory reporting obligations
• Domestic compliance requirements

DashX does not independently perform regulated domestic financial services in India.

5. INTERNATIONAL EXPORT FLOWS

For export-related cross-border transactions:

• Transactions are routed through regulated international partners;
• Such partners coordinate directly with Authorized Dealer (AD-1) banks in India where required;
• Necessary export documentation and reporting are handled through regulated banking channels;
• Foreign Inward Remittance Certificates (FIRCs), where applicable, are issued through authorized banking partners and not by DashX.

DashX does not operate as an AD-1 bank and does not independently issue FIRCs.

DashX provides infrastructure, workflow coordination, and orchestration only.

6. USER REPRESENTATIONS AND OBLIGATIONS

By using the Platform, you represent and warrant that:

• You are engaged in lawful business activity;
• Any export transactions relate to legitimate goods or services;
• Funds processed through the Platform derive from lawful sources;
• You comply with applicable foreign exchange, FEMA, RBI, sanctions, and export control regulations;
• You maintain accurate tax, accounting, and regulatory records;
• You will provide accurate information to DashX and its Regulated Partners.

You are solely responsible for your own legal and regulatory compliance.

7. PROHIBITED USE

Your use of the Platform is subject to DashX's Prohibited Use Policy, which is incorporated into these Terms by reference.

You may not use DashX:

• In violation of applicable laws or regulations;
• To evade sanctions or capital controls;
• For illicit trade or unlawful activity;
• For money laundering or trade-based laundering;
• In connection with sanctioned jurisdictions;
• To circumvent regulatory reporting systems.

DashX and its Regulated Partners reserve the right to suspend, restrict, or terminate access where required by law, regulatory obligation, risk management controls, or compliance determinations.

8. NO CUSTODY; NO BANKING SERVICES

DashX does not hold, custody, or control customer funds.

All settlement, conversion, and banking functions occur through Regulated Partners and financial institutions.

DashX is not responsible for:

• Bank or partner compliance reviews;
• Regulatory freezes or investigations;
• Government actions;
• Partner-imposed restrictions or service denials;
• Delays arising from regulatory or banking review processes.

9. FEES

Fees for use of the Platform will be disclosed within the Platform, via agreement, or through commercial documentation.

Users are responsible for all applicable taxes arising from their activities.

10. INTELLECTUAL PROPERTY

All Platform content, software, workflows, and documentation are owned by DashX or its licensors and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the Platform solely in accordance with these Terms.

11. DISCLAIMER OF WARRANTIES

The Platform is provided “as is” and “as available.”

To the maximum extent permitted by law, DashX disclaims all warranties, express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Non-infringement

DashX does not guarantee uninterrupted, error-free, or regulatory outcome-specific operation of the Platform.

12. LIMITATION OF LIABILITY

To the maximum extent permitted by law:

DashX's total liability arising out of or relating to these Terms shall not exceed the greater of:

• The fees paid by you to DashX in the preceding 12 months; or
• USD $100.

DashX shall not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages.

13. INDEMNIFICATION

You agree to indemnify and hold harmless DashX, its officers, directors, employees, and affiliates from any claims, damages, losses, or liabilities arising from:

• Your use of the Platform;
• Your violation of applicable laws;
• Your breach of these Terms;
• Regulatory investigations arising from your activities.

14. TERMINATION

DashX may suspend or terminate access:

• For violation of these Terms;
• Upon partner compliance determination;
• If required by law or regulatory directive;
• If continued service presents compliance or reputational risk.

Certain provisions shall survive termination, including liability limitations and indemnification.

15. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict of law principles.

Disputes shall be resolved through binding arbitration in Wyoming, unless otherwise required by applicable law.

16. CONTACT INFORMATION