ADRIA FINANCIAL – TERMS OF SERVICE

Last Updated: July 2026

1. ACCEPTANCE OF TERMS

By accessing or using the Adria Financial platform, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our platform.

These Terms constitute a legally binding agreement between you and Adria Financial.

2. ELIGIBILITY

You must be at least 18 years old to use our platform. By registering, you represent and warrant that:

• You are of legal age
• You have the legal capacity to enter into this agreement
• You are not located in a jurisdiction where our services are prohibited
• You are not on any sanctions or prohibited persons list

3. ACCOUNT REGISTRATION

To use our services, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your login credentials secure and confidential
• Notify us immediately of any unauthorized access or security breach

You are responsible for all activities that occur under your account.

4. SERVICES PROVIDED

Adria Financial provides private wealth management services including:

• Custody and management of digital and fiat assets
• Cryptocurrency conversion and transfers
• International wire transfers
• Private banking services
• Investment advisory (where applicable)

We reserve the right to modify, suspend, or discontinue any service at any time.

5. WITHDRAWALS AND TRANSFERS

5.1 Withdrawal Requests:

• All withdrawal requests are subject to review and approval
• Withdrawals may take 24-72 hours to process
• Minimum withdrawal amounts may apply
• Fees may be deducted from withdrawal amounts

5.2 Cryptocurrency Transfers:

• You are responsible for providing accurate wallet addresses
• Crypto transfers are irreversible once confirmed on the blockchain
• Network fees are the responsibility of the user
• We are not responsible for lost funds due to incorrect addresses

5.3 Bank Transfers:

• Bank transfers may be subject to intermediary fees
• International transfers may take 2-5 business days
• All bank details must be verified before processing

6. FEES AND CHARGES

We may charge fees for certain services including:

• Withdrawal processing fees
• Cryptocurrency conversion fees
• Wire transfer fees
• Administrative fees

All fees will be disclosed to you prior to processing. Fees are subject to change with notice.

7. USER CONDUCT

You agree not to:

• Use the platform for any illegal purpose
• Attempt to hack, exploit, or compromise our systems
• Provide false or misleading information
• Use the platform to launder money or facilitate financial crimes
• Interfere with other users' access or use of the platform

Violation of these provisions may result in immediate account termination.

8. COMPLIANCE WITH LAWS

You are solely responsible for complying with all applicable laws, including but not limited to:

• Anti-money laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Tax laws and reporting obligations
• Sanctions and embargo restrictions

We reserve the right to report suspicious activity to regulatory authorities.

9. INTELLECTUAL PROPERTY

All content on the Adria Financial platform, including logos, text, graphics, and software, is the property of Adria Financial and is protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without our explicit permission.

10. LIMITATION OF LIABILITY

To the maximum extent permitted by law, Adria Financial is not liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, revenue, or data
• Any losses arising from unauthorized access to your account
• Losses resulting from cryptocurrency market volatility
• Losses caused by third-party service providers

Our total liability is limited to the amount of fees paid by you in the preceding 12 months.

11. DISCLAIMER OF WARRANTIES

Our platform and services are provided "as is" and "as available." We do not warrant that:

• The platform will be uninterrupted or error-free
• Any defects will be corrected
• The platform is free of viruses or harmful components

We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose.

12. ACCOUNT TERMINATION

We may suspend or terminate your account at any time, with or without notice, if:

• You violate these Terms
• You engage in fraudulent or illegal activity
• We are required to do so by law
• We suspect your account has been compromised

You may request account termination at any time by contacting support.

13. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms are governed by the laws of Luxembourg. Any disputes arising under these Terms shall be resolved through:

• Good faith negotiations between the parties
• Mediation, if negotiations fail
• Arbitration in Luxembourg City, Luxembourg, as a final recourse

14. SEVERABILITY

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

15. WAIVER

Failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

16. CHANGES TO TERMS

We may update these Terms from time to time. We will notify you of material changes by email or platform notification.

17. CONTACT INFORMATION

For questions about these Terms, please contact:

Adria Financial
Legal Department
Luxembourg
Email: admin@adria.finance

Adria Financial is a private wealth platform registered in Luxembourg. All services are provided in accordance with Luxembourg banking and financial regulations.