1. Introduction

1.1. Overview of the Terms of Use
These Terms of Use govern your access to and use of CaizStable’s platform, services, and digital assets. By accessing or using the platform, you agree to comply with these terms.

1.2. Scope and Applicability
These terms apply to all users of the CaizStable platform, including individuals, businesses, and institutional accounts, and cover all digital asset services provided.

1.3. Definitions and Key Terms

• “Platform” refers to CaizStable’s digital asset platform.
• “User” refers to any individual or entity accessing or using the platform.
• “Services” include all facilities and blockchain-based functionalities that are offered on the CaizStable platform.
  
  

1.4. Legal Compliance and Governing Law
CaizStable operates in compliance with applicable financial and regulatory laws. These Terms shall be governed by and construed in accordance with the laws of Turkey.

1.5. Acceptance of the Terms
By registering or using CaizStable’s platform, you acknowledge and agree to be bound by these Terms.

1.6. Updates and Modifications to the Terms
CaizStable reserves the right to update or modify these Terms at any time. Users will be notified of changes, and continued use of the platform after such modifications constitutes acceptance of the updated terms.

2. Eligibility and User Requirements

2.1. Legal Age and Capacity to Enter into Agreements
Users must be at least 18 years old and legally capable of entering into binding contracts to use the platform.

2.2. Geographic Restrictions and Jurisdictional Limitations
CaizStable’s services are not available in jurisdictions where such services are prohibited by law. It is the user’s responsibility to ensure compliance with local laws.

2.3. Restricted and Prohibited Users
CaizStable does not permit the use of its platform by individuals or entities from jurisdictions subject to international sanctions or those engaged in illicit activities.

2.4. Verification and Know Your Customer (KYC) Requirements
All users must complete KYC verification as part of the registration process to comply with Anti-Money Laundering (AML) regulations.

2.5. Business or Institutional Accounts
Institutional users must provide additional verification and comply with relevant business regulations to use certain services on the platform.

3. Services Provided by CaizStable

3.1. Description of the Platform and Services
CaizStable offers a secure platform for digital asset transactions, including Sharia-compliant stablecoins backed by various assets like USD, Euro, and Gold. Services include transaction facilitation, digital wallets, and more.

3.2. Digital Asset Transactions and Wallet Services
Users can engage in digital asset transactions and store assets in secure, multi-currency wallets. The platform provides seamless integration with multiple blockchains.

3.3. Smart Contracts and Blockchain-Based Services
The platform supports the use of smart contracts to facilitate transparent and automated transactions on the blockchain.

3.4. Fiat-to-Crypto and Crypto-to-Fiat Transactions
CaizStable allows users to convert between fiat currencies and cryptocurrencies, enabling efficient and regulated exchanges.

3.5. Third-Party Services and Integrations
CaizStable may offer integrations with third-party platforms to enhance service offerings. Users are responsible for understanding third-party terms.

3.6. Platform Availability and Service Modifications
CaizStable strives to maintain platform availability but cannot guarantee uninterrupted access. Services may be modified or suspended at CaizStable’s discretion.

4. Account Registration and User Responsibilities

4.1. Registration Process and Account Creation
To access CaizStable’s services, users must complete an account registration process, providing accurate personal information and agreeing to these Terms of Use.

4.2. User Identity Verification and AML/ KYC Compliance
All users must undergo identity verification (KYC) to comply with Anti-Money Laundering (AML) regulations before using the platform for transactions.

4.3. Account Security and Authentication Measures
Users are responsible for securing their accounts, including maintaining confidentiality of login credentials. CaizStable uses encryption and other security protocols to protect user data.

4.4. Responsibility for Account Activities
Users are solely responsible for all activities conducted through their accounts, including any transactions or breaches of these Terms.

4.5. Multiple Accounts and Shared Access Restrictions
Users are prohibited from creating multiple accounts to circumvent platform rules or share account access with unauthorized individuals.

4.6. Suspension, Termination, or Restriction of Accounts
CaizStable may suspend, terminate, or limit access to accounts in cases of non-compliance, fraud, or violation of platform policies.

5. Permitted and Prohibited Activities

5.1. Acceptable Use of the Platform
Users may use CaizStable’s platform solely for lawful purposes and in compliance with these Terms.

5.2. Prohibited Uses, Including Fraud and Money Laundering
Users are prohibited from engaging in fraudulent activities, money laundering, or using the platform to process illegal transactions.

5.3. Sanctions Compliance and Restricted Jurisdictions
CaizStable complies with international sanctions and prohibits users from restricted or sanctioned jurisdictions from accessing certain services.

5.4. Intellectual Property and Unauthorized Copying
Users may not copy, reproduce, or distribute CaizStable’s intellectual property without permission.

5.5. Compliance with Anti-Terrorism and Financial Regulations
Users must comply with all applicable anti-terrorism and financial regulations, including reporting suspicious transactions.

6. User Obligations and Conduct

6.1. Duty to Provide Accurate and Updated Information
Users must provide accurate, complete, and up-to-date information when creating accounts or conducting transactions.

6.2. Prohibition on Using the Platform for Illicit Purposes
The platform must not be used for any unlawful, immoral, or prohibited activities, including the support of terrorist financing.

6.3. Prohibition on Market Manipulation and Fraudulent Activities
Users may not engage in market manipulation, fraudulent activities, or misrepresentations.

6.4. Prohibition on Automated Trading, Bots, or High-Frequency Trading (if restricted)
Automated trading or the use of bots is restricted on CaizStable’s platform unless otherwise specified.

6.5. No Circumvention of Security Measures
Users must not attempt to bypass or undermine the platform’s security protocols or protective measures.

7. Fees, Payments, and Taxes

7.1. Service Fees and Transaction Charges
CaizStable may charge fees for using certain services, including transaction fees, wallet services, and conversion fees. These fees are disclosed on the platform and are subject to change.

7.2. Payment Methods and Processing Times
Users can make payments using various methods, such as bank transfers, credit cards, or crypto wallets. Processing times vary based on the payment method used.

7.3. Third-Party Payment Processors and Currency Conversion
When using third-party payment processors, users may incur additional fees or exchange rate variations. CaizStable is not responsible for third-party fees or currency conversion charges.

7.4. Refunds, Reversals, and Dispute Resolution for Payments
Refunds and transaction reversals are subject to CaizStable’s policies, which may vary depending on the type of transaction. Disputes can be addressed via customer support or the dispute resolution process.

7.5. Tax Obligations and Reporting
Users are responsible for any taxes related to transactions or services accessed via CaizStable. The platform may provide reports, but users should consult tax professionals for guidance.

8. Intellectual Property Rights

8.1. Ownership of Platform Content and Services
All intellectual property rights in the platform, services, and associated content are owned by CaizStable or its licensors.

8.2. License to Use CaizStable’s Platform and Services
CaizStable grants users a limited, non-exclusive license to access and use the platform and services, subject to compliance with these Terms.

8.3. Restrictions on Unauthorized Copying and Use
Users are prohibited from copying, modifying, or distributing any content or features of the platform without explicit permission from CaizStable.

8.4. Trademarks, Copyrights, and Proprietary Rights
All trademarks, logos, and proprietary content displayed on the platform are owned by CaizStable or its licensors. Unauthorized use is prohibited.

9. Third-Party Links, Services, and Integrations

9.1. External Websites and Third-Party Content Disclaimer
CaizStable may link to external websites or third-party content, but it does not endorse or control these sites. Users access them at their own risk.

9.2. Responsibility for Third-Party Transactions and Risks
CaizStable is not responsible for transactions or agreements made with third-party providers. Users engage with these services at their own risk.

9.3. Liability Limitations Regarding Third-Party Service Providers
CaizStable does not assume liability for any loss or damage arising from third-party services or integrations, and such third parties are solely responsible for their services.

10. Dispute Resolution and Arbitration Clause

10.1. Mandatory Arbitration Clause
Any disputes arising from the use of CaizStable’s services shall be resolved through binding arbitration, rather than through court proceedings, except for specific cases under applicable law.

10.2. Governing Law and Jurisdiction for Legal Disputes
These Terms shall be governed by the laws of the jurisdiction where CaizStable operates, and users agree to submit to the exclusive jurisdiction of the competent courts within that jurisdiction.

10.3. Waiver of Class-Action Lawsuits
By agreeing to these Terms, users waive the right to participate in class-action lawsuits or class-wide arbitrations, if enforceable by applicable law.

10.4. Alternative Dispute Resolution Methods
In the event arbitration is not applicable, users may pursue alternative dispute resolution methods, such as mediation or negotiation, before initiating formal legal action.

11. Liability Limitations and Indemnification

11.1. Limitation of Liability for CaizStable

CaizStable’s liability is limited to the maximum extent permitted by law, excluding liability for personal injury or fraud, and excludes liability for indirect or consequential losses.

11.2. Indemnification of CaizStable by Users

Users agree to indemnify and hold CaizStable harmless from any claims, damages, or losses arising from their use of the platform, including any breach of these Terms.

11.3. No Warranty and “As-Is” Disclaimer

CaizStable provides its services on an “as-is” basis, without any warranties, express or implied, including but not limited to merchantability or fitness for a particular purpose.

12. Termination, Account Suspension, and Service Restrictions

12.1. Right to Terminate Accounts and Access to Services

CaizStable reserves the right to suspend or terminate a user’s account for violations of these Terms or any illegal activities detected on the platform.

12.2. Conditions for Temporary or Permanent Account Restrictions

Account restrictions may be imposed for suspected fraudulent activities, violation of these Terms, or non-compliance with regulatory requirements.

12.3. Appeals Process for Suspended or Terminated Accounts

Users whose accounts are suspended or terminated may request a review or appeal by contacting CaizStable’s support team within the specified time frame.

13. Compliance with Global Regulatory Standards

13.1. Compliance with Financial Regulations (SEC, FINCEN, FCA, ESMA, etc.)

CaizStable adheres to applicable financial regulations, including those enforced by the U.S. SEC, FINCEN, and international bodies such as the FCA and ESMA, ensuring the platform’s activities align with regulatory requirements.

13.2. Prohibition of U.S. Persons from Certain Transactions

Users based in the U.S. may be restricted from engaging in certain transactions due to regulatory constraints, including compliance with U.S. sanctions.

13.3. FATF Travel Rule Compliance

CaizStable complies with the Financial Action Task Force (FATF) Travel Rule, which mandates the reporting of specific transaction details for anti-money laundering (AML) purposes.

13.4. Legal Obligations for Reporting Transactions

CaizStable may be required to report certain transactions to regulatory authorities under applicable laws and regulations. Users agree to comply with all related reporting obligations.

14. Updates and Amendments to Terms

14.1. Notification of Changes to the Terms of Use

CaizStable reserves the right to amend or update these Terms of Use. Users will be notified of any changes through appropriate means, including via the platform or email.

14.2. Effective Date of Amendments

Amendments to these Terms will be effective from the date indicated in the notification, and continued use of the platform constitutes acceptance of the updated Terms.

14.3. User Responsibility to Stay Informed of Updates

Users are responsible for reviewing the Terms periodically to stay informed of any changes or updates to the Terms of Use.

15. How to Contact Us

15.1. Customer Support and General Inquiries

For support and general inquiries, users can contact CaizStable via the platform’s customer support section or through provided contact channels.

15.2. Privacy and Data Protection Inquiries

For questions related to privacy or data protection, users should reach out to CaizStable’s dedicated privacy support team.

15.3. Compliance and Regulatory Contact

Users with compliance-related concerns can contact CaizStable’s compliance department at the designated contact address.

15.4. Dispute and Legal Contact Information

Legal-related inquiries or disputes can be addressed to CaizStable’s legal team through the platform’s legal contact information.