Cookies and Legal Notice

1. General

The information made available on the txbfi website (the "Website") is provided solely for general informational purposes unless expressly stated otherwise.

Nothing contained on this Website constitutes legal, financial, investment, tax, accounting, or other professional advice, nor should any content be interpreted as an offer, solicitation, recommendation, or invitation to purchase, sell, or otherwise deal in any financial product, digital asset, or service.

While TheXBanky s.r.o. makes reasonable efforts to ensure that the information published on the Website is accurate, complete, and up to date, we make no representation or warranty regarding its accuracy, completeness, reliability, suitability, or continued availability.

Information published on the Website may be modified, updated, suspended, or removed at any time without prior notice.

Your use of the Website is entirely at your own risk.

2. Products and Services

Products and services described on this Website may be subject to eligibility requirements, jurisdictional restrictions, regulatory approvals, and separate contractual terms.

Each product or service offered through the Platform is governed by its own applicable Terms and Conditions, disclosures, policies, and agreements, which users should review before using the relevant service.

Nothing contained on this Website constitutes an offer or invitation in any jurisdiction where such products or services may not lawfully be offered.

Availability of products and services may vary depending on your country of residence and applicable legal or regulatory requirements.

3. Customer Fund Protection

Certain services available through the Platform are provided by independent Licensed Service Providers.

Where applicable, client fiat funds associated with Dedicated IBAN Services and Card Services are held and safeguarded by the relevant Licensed Service Provider in accordance with applicable legal and regulatory requirements.

TheXBanky s.r.o. does not itself operate as a bank, payment institution, or electronic money institution unless expressly stated otherwise.

Users should carefully review the terms, disclosures, and applicable policies relating to each specific product or service before use.

4. Privacy and Confidentiality

TheXBanky s.r.o. is committed to protecting the privacy and confidentiality of personal information in accordance with applicable data protection laws and industry best practices.

We implement appropriate technical and organisational measures designed to safeguard personal and financial information against unauthorised access, disclosure, alteration, loss, misuse, or destruction.

While we employ industry-standard security measures, no method of transmitting information over the Internet or storing electronic information can be guaranteed to be completely secure. Accordingly, we cannot guarantee absolute security of any information transmitted to or from the Website.

Users are responsible for maintaining the confidentiality of their account credentials, including usernames, passwords, authentication devices, and any other security information associated with their accounts.

To the fullest extent permitted by applicable law, TheXBanky s.r.o. shall not be liable for any unauthorised access resulting from the user's failure to maintain appropriate security measures or from circumstances beyond our reasonable control.

For further information regarding how we collect, use, retain, and protect personal data, please refer to our Privacy Notice.

5. Processing of Personal Data

TheXBanky s.r.o. processes personal data only where there is a lawful basis to do so and in accordance with applicable data protection legislation.

We may process personal data for purposes including, but not limited to:

• providing and administering our products and services;
• responding to enquiries and customer support requests;
• performing contractual obligations;
• verifying user identity and conducting customer due diligence (KYC);
• complying with applicable legal, regulatory, tax, accounting, and anti-money laundering obligations;
• detecting, preventing, and investigating fraud, financial crime, unauthorised access, or security incidents;
• protecting our legitimate business interests;
• improving, maintaining, and securing the Platform; and
• where required, processing based on the user's consent.

Personal data is retained only for as long as necessary to fulfil the purposes for which it was collected or to comply with applicable legal and regulatory retention requirements.

Where personal data is shared with third parties, such sharing takes place only where legally permitted and only to the extent necessary for the provision of our services, compliance with legal obligations, fraud prevention, or other legitimate business purposes.

Further information regarding the collection, processing, retention, international transfers, and protection of personal data is available in our Privacy Notice.

6. Cookies

The Website uses cookies and similar technologies to ensure the proper functioning of the Platform, enhance security, improve user experience, analyse Website performance, and, where applicable, support marketing activities.

For detailed information regarding the types of cookies we use, the purposes for which they are used, how long they are retained, and how you can manage your cookie preferences, please refer to our separate Cookie Policy.

Where required by applicable law, non-essential cookies will only be placed on your device after obtaining your consent.

You may manage or withdraw your cookie preferences at any time through your browser settings or our cookie preference centre where available. Please note that disabling certain cookies may affect the functionality or performance of the Website.

7. No Warranty and Limitation of Liability

To the fullest extent permitted by applicable law, the Website and all information, materials, content, and services made available through it are provided on an "as is" and "as available" basis.

TheXBanky s.r.o. makes no representations or warranties, whether express, implied, statutory, or otherwise, including, without limitation, any warranties regarding:

• uninterrupted availability or accessibility of the Website;
• accuracy, completeness, or reliability of any information published on the Website;
• merchantability or fitness for a particular purpose;
• compatibility with any hardware, software, or device;
• absence of errors, defects, viruses, malware, or other harmful components; or
• continuous, secure, or error-free operation of the Website.

Users are solely responsible for implementing appropriate security measures to protect their own devices, systems, internet connections, and data.

To the maximum extent permitted by applicable law, TheXBanky s.r.o., its directors, officers, employees, affiliates, partners, licensors, and service providers shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, including, without limitation, loss of profits, revenue, business opportunities, data, goodwill, or anticipated savings, arising out of or in connection with:

• access to or use of the Website;
• inability to access or use the Website;
• reliance on any information published on the Website;
• technical failures, interruptions, delays, or system outages;
• unauthorised access to or alteration of data or communications; or
• any event beyond our reasonable control.

Nothing in this Website Disclaimer excludes or limits liability where such exclusion or limitation is prohibited under applicable law.

Contact Us

If you have any questions regarding this Website Disclaimer, please contact: