INTRODUCTION

Welcome to VeraLok Holdings Inc. ("VeraLok," "Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our services, including our websites, mobile applications, APIs, institutional solutions, and related offerings (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree, you may not use our Services.

VeraLok may update these Terms from time to time. We will notify you of material changes by posting the revised Terms on our website and, where legally required, by direct communication. Your continued use of the Services constitutes acceptance of the updated Terms.

DEFINITIONS

• •"User" means any individual or institution accessing or using VeraLok's Services.
• •"Institutional Partner" means enterprises, governments, or organizations integrated with VeraLok under specific agreements.
• •"Personal Data" means information as defined in the Privacy Policy.
• •"Content" means all text, data, images, software, or other materials made available through the Services.
• •"Account" means the registered profile created to access and use certain features of the Services.

ELIGIBILITY

You may use the Services only if you:

• •Are at least 14 years old (or the age of majority in your jurisdiction);
• •Have the legal capacity and authority to enter into these Terms; and
• •Comply with all applicable laws and regulations.

Institutional Partners must ensure their authorized users comply with these Terms.

SERVICE ACCESS AND USE

1. License Grant

VeraLok grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services in accordance with these Terms.

2. Restrictions

You agree not to:

• •Reverse engineer, modify, or decompile any part of the Services;
• •Use the Services for unlawful, fraudulent, or harmful purposes;
• •Interfere with or disrupt system functionality, security, or availability;
• •Misuse the Services to gain unauthorized access to data or systems;
• •Use automated means (bots, scrapers) to access or extract data.

USER ACCOUNTS

To access certain features, you must create an Account and provide accurate information. You are responsible for:

• •Maintaining confidentiality of login credentials;
• •Ensuring accuracy and completeness of account information;
• •Notifying VeraLok immediately of unauthorized use of your Account.

VeraLok is not liable for losses resulting from compromised credentials.

COMPLIANCE AND LEGAL USE

Users agree to comply with all applicable laws, including:

• •Anti-money laundering (AML) and know-your-customer (KYC) obligations
• •Global data protection regulations (e.g., GDPR, CCPA, LGPD)
• •Export control and sanctions laws
• •Financial services regulations in relevant jurisdictions

DISCLAIMERS

The Services are provided "as is" and "as available." To the fullest extent permitted by law:

• •We disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement.
• •We do not guarantee uninterrupted, error-free, or secure Services.
• •We do not warrant that verification outcomes will meet specific institutional requirements.