1.1. Eligibility: To be eligible to use the OyemExchange Services, you must meet the following criteria:

1. Be at least 18 years old or of legal age to form a binding contract under applicable laws.
2. As an individual, legal person, or other organization, you have full legal capacity and sufficient authorizations to enter into these Terms.
3. You have not been previously suspended or removed from using OyemExchange Services.
4. If you act as an employee or agent of a legal entity and enter into these Terms on their behalf, you represent and warrant that you have all the necessary rights and authorizations to bind such legal entity.
5. Your use of OyemExchange Services will not violate any and all laws and regulations applicable to you, including but not limited to regulations on anti-money laundering, anti-corruption, and counterterrorist financing.

1.2. Digital Currency Services: The following services (the "Digital Currency Services") are provided to you by OyemExchange:

1. One or more hosted digital currency wallets enabling you to store, track, transfer, and manage your balances of certain supported digital currencies, like BITCOIN and ETHEREUM (the "Digital Currency Wallet" and "Digital Currency," respectively).
2. A Digital Currency exchange service enabling you to obtain prices for your purchases and sales of Digital Currencies (a "DC Exchange").
3. A Digital Currency conversion service enabling you to buy and sell Digital Currencies in transactions with OyemExchange (the "Conversion Services").

2.1. Registration of OyemExchange Account: In order to use the OyemExchange Services, you will need to register for an OyemExchange account by providing the following information and accepting the terms of this Agreement and our Privacy Policy:

• Your real name
• An e-mail address
• Password

2.2. Identity Verification: By registering an account with us, you agree to provide us with the required personal information we request for the purposes of identity verification and the detection of money laundering, terrorist financing, fraud, or any other financial crime. You permit us to keep a record of such information. You will need to complete certain verification procedures before you are permitted to use the OyemExchange Services. Your access to one or more OyemExchange Services, including certain transfer and conversion of Digital Currency, and the limits that apply to your use of the OyemExchange Services, may be altered as a result of information collected on an ongoing basis. The information we request may include certain personal information, including, but not limited to, your name, telephone number, e-mail address, date of birth, government identification number, and information regarding your bank account (such as the name of the bank, the account type, routing number, account number, and Bvn). In providing us with this or any other information that may be required, you confirm that the information is accurate and authentic. You agree to keep us updated if any of the information you provide changes. You authorize us to make the inquiries, whether directly or through third parties, that we consider necessary to verify your identity or protect you and/or us against fraud or other financial crime, and to take action we reasonably deem necessary based on the results of such inquiries. When we carry out these inquiries, you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies, and that these agencies may respond to our inquiries in full. This is an identity check only and should have no adverse effect on your credit rating. Additionally, we may require you to wait for a period of time before permitting you to use further OyemExchange Services and/or before permitting you to engage in transactions beyond certain volume limits. This includes authorizing your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, MTN Nigeria, Globacom, 9 mobile, Airtel, or any other branded wireless operator) to use your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status details, if available, solely to allow verification of your identity and to compare information you have provided to OyemExchange with your wireless operator account profile information for the duration of the business relationship.

2.3. Account Usage Requirements: The OyemExchange Account can only be used by the account registrant. OyemExchange reserves the right to suspend, freeze, or cancel the use of OyemExchange account by persons other than the account registrant. If you suspect or become aware of any unauthorized use of your username and password, you should notify OyemExchange immediately. OyemExchange assumes no liability for any loss or damage arising from the use of OyemExchange account by you or any third party with or without your authorization.

2.4. Account Security: OyemExchange is committed to maintaining the security of User entrusted funds and has implemented industry-standard protection for OyemExchange Services. However, the actions of individual Users may pose risks. You shall agree to treat your access credentials (such as username and password) as confidential information and not to disclose such information to any third party. You also agree to be solely responsible for taking the necessary security measures to protect your Account and personal information. You should be solely responsible for keeping safe of your OyemExchange account and password and be responsible for all the transactions under your OyemExchange Account. OyemExchange assumes no liability for any loss or consequences caused by authorized or unauthorized use of your account credentials, including but not limited to information disclosure, information release, consent or submission of various rules and agreements by clicking on the website, online agreement renewal, etc.

By creating an OyemExchange Account, you:

1. You will notify OyemExchange immediately if you are aware of any unauthorized use of your OyemExchange Account and password or any other violation.
2. You will strictly abide by all mechanisms or procedures of OyemExchange regarding security, Authentication, trading, charging, and withdrawal.
3. You will take appropriate steps to log out from OyemExchange at the end of each visit.

3.1. In General: Your Digital Currency Wallet enables you to send Digital Currency to, and request, receive, and store Digital Currency from, third parties by giving instructions through the OyemExchange Site (each such transaction is a "Digital Currency Transaction").

3.2. Digital Currency Transactions: We will process Digital Currency Transactions in accordance with the instructions we receive from you. You should verify all transaction information prior to submitting instructions to us. We do not guarantee the identity of any user, receiver, requestee, or other party. Digital Currency Transactions cannot be reversed once they have been broadcast to the relevant Digital Currency network. Once submitted to a Digital Currency network, a Digital Currency Transaction will be unconfirmed for a period of time pending sufficient confirmation of the transaction by the Digital Currency network. A Digital Currency Transaction is not complete while it is in a pending state. Digital Currency associated with Digital Currency Transactions that are in a pending state will be designated accordingly and will not be included in your Digital Currency Wallet balance or be available to conduct Digital Currency Transactions. We may charge network fees (minor fees) to process a Digital Currency Transaction on your behalf. We will calculate the network fee in our discretion, although we will always notify you of the network fee at or before the time you authorize the Digital Currency Transaction. We may refuse to process or cancel any pending Digital Currency Transaction as required by law or any court or other authority to which OyemExchange is subject in any jurisdiction. We are not responsible for the exact value of cryptocurrency received in your wallet for but not limited to non-stable coins.

3.3. Supported Digital Currencies: Our Digital Currency Services are available only in connection with those digital currencies that OyemExchange supports, and this may change from time to time. Under no circumstances should you attempt to use your Digital Currency Wallet to store, send, request, or receive digital currencies in any form that we do not support. We assume no responsibility or liability in connection with any attempt to use your Digital Currency Wallet for digital currencies that we do not support.

3.4. Third Party Payments: We are not liable for any loss that could result from buying cryptocurrency into a wallet with a countdown timer. You are strictly advised to make purchases into personal wallet addresses before sending cryptocurrency to such a wallet with a countdown timer. We have no control over, or liability for, the delivery, quality, safety, legality, or any other aspect of any goods or services that you may purchase or sell to or from a third party (including other users of OyemExchange Digital Currency Services). We are not responsible for ensuring that a third party buyer or a seller you transact with will complete the transaction or is authorized to do so. If you experience a problem with any goods or services purchased from, or sold to, a third party using Digital Currency transferred using the OyemExchange Digital Currency Services, or if you have a dispute with such a third party, you should resolve the dispute directly with that third party. If you believe a third party has behaved in a fraudulent, misleading, or inappropriate manner, or if you cannot adequately resolve a dispute with a third party, all payments MUST be made to/from accounts matching the name on your OyemExchange profile. Third-party payments are not allowed.

3.5. Advanced Protocols: Unless specifically announced on the OyemExchange Site or other official public statement of OyemExchange, we support (collectively, "Advanced Protocols"). You should not use your OyemExchange Account to attempt to receive, request, send, store, or engage in any other type of transaction involving an Advanced Protocol. You acknowledge and agree that we have no responsibility whatsoever in respect of an unsupported Advanced Protocol.

3.6. Operation of Digital Currency Protocols: We do not own or control the underlying software protocols which govern the operation of Digital Currencies supported on our platform; generally, the underlying protocols are open source, and anyone can use, copy, modify, and distribute them. We assume no responsibility for the operation of the underlying protocols and we are not able to guarantee their functionality, security, or availability. You acknowledge and accept the risk that underlying software protocols relating to any Digital Currency you store in your Digital Currency Wallet may change. In particular, the underlying protocols are likely to be subject to sudden changes in operating rules ("forks"), and such forks may materially affect the value, function, and/or the name of the Digital Currency you store in your Digital Currency Wallet. Where possible, we may provide you with notices or alerts on forks. However, it is your responsibility to make yourself aware of, and consider how to deal with, upcoming forks. In the event of a fork, there is a risk that we may need to temporarily suspend operations in relation to that fork without providing advance notice to you. We may, in our reasonable discretion, decline to support either or both branches of a fork. You acknowledge the risks presented by forks and accept that we have no responsibility to assist you to move or sell an unsupported branch of a forked protocol.

4.1. Transactions Limits: The use of all OyemExchange Services is subject to a limit on the amount of volume, stated in your local currency, you may transact or transfer in a given period (e.g., daily). To view limits, log in to your OyemExchange Account. Your transaction limits may vary depending on the verification steps you have completed and other factors. We reserve the right to change applicable limits as we deem necessary. If you wish to raise your limits beyond the posted amounts, you may submit a request via support.

4.2 Enhanced Due Diligence: We may require you to submit additional information about yourself or your business, provide records, and arrange for meetings with OyemExchange staff (such process, "Enhanced Due Diligence"). We reserve the right to charge you costs and fees associated with such Enhanced Due Diligence, although if we intend to do so, we will notify you in advance. In our discretion, we may refuse to raise your limits or we may lower your limits at a subsequent time even if you have completed Enhanced Due Diligence.

5.1 Suspension, Termination, and Cancellation: We may take the following actions:

1. (a) Refuse to complete or block, cancel a transaction you have authorized.
2. (b) Suspend, restrict, or terminate your access to any or all of the OyemExchange Services.
3. (c) Deactivate or cancel your OyemExchange account with immediate effect for any reason, including but not limited to where:
   • We are, in our reasonable opinion, required to do so by applicable law or any court or other authority to which we are subject in any jurisdiction.
   • We reasonably suspect you of acting in breach of this Agreement.
   • We have concerns that a transaction is erroneous or about the security of your OyemExchange Account or we suspect the OyemExchange Services are being used in a fraudulent or unauthorized manner.
   • We suspect money laundering, terrorist financing, fraud, or any other financial crime.
   • If your credit or debit card or any other valid payment method linked to your Digital Currency Wallet is declined.
   • Use of your OyemExchange Account is subject to any pending litigation, investigation, or government proceeding and/or we perceive a heightened risk of legal or regulatory non-compliance associated with your Account activity.
   • You take any action that may circumvent our controls such as opening multiple accounts or abusing promotions which we may offer from time to time.
4. We may also refuse to complete a transaction you have authorized where there is insufficient balance and/or insufficient Digital Currency in your Digital Currency Wallet to cover the transaction and (where applicable) associated fees at the time that we receive notification of the transaction.
5. If we refuse to complete a transaction and/or suspend or close your OyemExchange Account, or terminate your use of OyemExchange Services in this way, we will (unless it would be unlawful for us to do so) provide you with notice of our actions and the reasons for refusal, suspension, or closure and where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension, or closure.
6. In the event that we refuse to complete a transaction and/or suspend your OyemExchange Account, we will lift the suspension as soon as reasonably practicable once the reasons for refusal and/or suspension no longer exist. However, we are under no obligation to allow you to reinstate a transaction at the same price or on the same terms as the suspended, reversed, or canceled transaction.
7. We may suspend, restrict, or terminate your access to any or all of the SteemX Services and/or deactivate or cancel your SteemX Account, without reason by giving you two months notice.
8. You acknowledge that our decision to take certain actions, including limiting access to, suspending, or closing your SteemX Account, may be based on confidential criteria that are essential to our risk management and security protocols. You agree that we are under no obligation to disclose the details of its risk management and security procedures to you.

6.1. Release of OyemExchange: If you have a dispute with one or more users of the OyemExchange Services, you agree that neither we nor our affiliates or service providers, nor any of our respective officers, directors, agents, joint venturers, employees, and representatives will be liable for any claims, demands, and damages (actual and consequential) of any kind or nature arising out of or in any way connected with such disputes.

6.2. Indemnification: You agree to indemnify us, our affiliates, and service providers, and each of our or their respective officers, directors, agents, employees, and representatives, in respect of any costs (including attorneys' fees and any fines, fees, or penalties imposed by any regulatory authority) that have been reasonably incurred in connection with any claims, demands, or damages arising out of or related to your breach and/or our enforcement of this Agreement.

6.3. Limitations of Liability: We shall only be liable to you for loss or damage caused directly and reasonably foreseeable by our breach of this Agreement, and our liability in these circumstances is limited as set out in the remainder of this section.

6.3.A. Liability Cap: Except as otherwise provided for in this Agreement, neither we, nor our affiliates or service providers, nor any of our or their respective officers, directors, agents, employees, or representatives, will be liable for any amount greater than the combined value of the Digital Currency and E-Money on deposit in your E-Money Wallet and your Digital Currency Wallet at any given time. Where we are considering a specific claim relating to a specific transaction, this sum shall be further limited to the amount of the transaction in dispute.

6.3.B. Limitation of Loss: In addition to the liability cap at Section 6.3.A. above, in no event shall we, our affiliates or service providers, or any of our or their respective officers, directors, agents, employees, or representatives, be liable for any of the following types of loss or damage arising under or in connection with this Agreement or otherwise:

1. Any loss of profits or loss of expected revenue or gains, including any loss of anticipated trading profits and/or any actual or hypothetical trading losses, even if we are advised of or knew or should have known of the possibility of the same.
2. Any loss of or damage to reputation or goodwill; any loss of business or opportunity, customers or contracts; any loss or waste of overheads, management, or other staff time; or any other loss of revenue or actual or anticipated savings, even if we are advised of or knew or should have known of the possibility of the same.
3. Any loss of use of hardware, software, or data and/or any corruption of data; including but not limited to any losses or damages arising out of or relating to any inaccuracy, defect, or omission of digital currency price data; any error or delay in the transmission of such data; and/or any interruption in any such data.
4. Any loss or damage whatsoever which does not stem directly from our breach of this Agreement; and/or
5. Any loss or damage whatsoever which is in excess of that which was caused as a direct result of our breach of this Agreement (whether or not you are able to prove such loss or damage).

6.3.C. Applicable law: The limitation of liability in this Section 6.3 is subject to any obligations that we have under applicable law and regulation, including our obligation to exercise reasonable care and skill in our provision of the OyemExchange Services. Nothing in this Agreement shall limit our liability resulting from our fraud or fraudulent misrepresentation, gross negligence, deliberate misconduct, for death or personal injury resulting from either our or our subcontractor's negligence.

6.4. No Warranties: The OyemExchange services are provided on an "as is" and "as available" basis without any representation or warranty, whether express or implied, to the maximum extent permitted by applicable law. Specifically, we disclaim any implied warranties of title, merchantability, fitness for a particular purpose, and/or noninfringement. We do not make any representations or warranties that access to the OyemExchange Site, any of the OyemExchange Services, or any of the materials contained therein, will be continuous, uninterrupted, timely, or error-free. We make no representations about the accuracy or completeness of historical Digital Currency price data available on the OyemExchange Site. We will make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and cheque issuances are processed in a timely manner, but we make no representations or warranties regarding the amount of time needed to complete processing, which is dependent upon many factors outside of our control. OyemExchange is a regulated platform and as part of achieving this goal, we are obligated to implement regulatory compliance mechanisms. You agree to follow strict instructions, including but not limited to inputting only the instructed transfer narration when making a payment for purchase.

6.5. Safety and Security of Your Computer and Devices: OyemExchange is not liable for any damage or interruptions caused by any computer viruses, spyware, scareware, Trojan horses, worms, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack. We advise the regular use of a reputable and readily available virus screening and prevention software. You should also be aware that SMS and email services are vulnerable to spoofing and phishing attacks and should use care in reviewing messages purporting to originate from us. OyemExchange customer support will never ask to screen share (unless extremely necessary) or otherwise seek to access your computer or account; similarly, we will not ask for your two-factor authentication codes. Always log into your OyemExchange Account through the OyemExchange Site to review any transactions or required actions if you have any uncertainty regarding the authenticity of any communication or notice.

6.6. No Liability for Breach: We are not liable for any breach of the Agreement where the breach is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all effects to the contrary, nor are we liable where the breach is due to the application of mandatory legal rules.

7.1. Contact OyemExchange: If you have any feedback, questions, or complaints, contact us via our Customer Support feed. When you contact us please provide us with your name, address, and any other information we may need to identify you, your OyemExchange Account, and the transaction on which you have feedback, questions, or complaints.

7.2. Complaints: In the event of a complaint, please set out the cause of your complaint, how you would like us to resolve the complaint, and any other information you believe to be relevant. We will acknowledge receipt of your complaint. A Customer Complaints officer ("Officer") will consider your complaint. The Officer will consider your complaint without prejudice based on the information you have provided and any information provided by OyemExchange. Within 12 business days of our receipt of your complaint, the Officer will address all points raised in your complaint by sending you an e-mail ("Resolution Notice") in which the Officer will: (i) offer to resolve your complaint in the way you requested; (ii) make a determination rejecting your complaint and set out the reasons for the rejection; or (iii) offer to resolve your complaint with an alternative solution. In exceptional circumstances, if the Officer is unable to respond to your complaint within 12 business days for reasons beyond OyemExchange control, the Officer will send you a holding reply indicating the reasons for a delay in answering your complaint and specifying the deadline by which the Officer will respond to your complaint (which will be no later than 20 business days from our receipt of your complaint.

7.3. Offers: Any offer of resolution made to you will only become binding on us if accepted by you. An offer of resolution will not constitute any admission by us of any wrongdoing or liability regarding the subject matter of the complaint.

7.4. Claims: You agree to use the complaints procedure set out in this Agreement before contacting the court. You agree to contact us and/or refer a Dispute to us in accordance with this Agreement before filing any claim in a competent court. If you do not follow the procedures set out in this Section 7 before filing a claim in a court of competent jurisdiction, we shall have the right to ask the court to dismiss your filing unless and until you complete the steps outlined above.