Terms of Service

Agreement to Terms

By accessing or using Surf's mobile application and services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

Surf is a financial technology company, not a bank. Crypto services are provided through decentralized protocols and licensed partners.

Description of Services

Surf provides a platform that enables users to convert cryptocurrency (including USDC) to local fiat currencies through QR code-based payment systems. Our services include:

• Crypto-to-cash conversions through local payment networks (VietQR, PromptPay, PIX, and others)
• Non-custodial wallet functionality
• Integration with decentralized protocols
• Real-time currency conversion

Eligibility

To use Surf, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using our services under applicable laws
• Comply with all applicable laws and regulations in your jurisdiction

User Responsibilities

When using our services, you agree to:

• Secure your private keys: You are solely responsible for maintaining the security of your private keys and wallet. We cannot recover lost keys.
• Provide accurate information: All information you provide must be truthful and accurate.
• Comply with laws: You must comply with all applicable laws, including tax obligations in your jurisdiction.
• Use services lawfully: You will not use our services for illegal activities, money laundering, or fraud.

Non-Custodial Services

Surf operates on a non-custodial basis. This means:

• Your private keys are stored locally on your device and never transmitted to our servers
• We cannot access, freeze, or control your funds
• We cannot reverse or modify transactions once initiated
• You bear full responsibility for the security of your wallet and private keys
• Lost private keys cannot be recovered by Surf or any third party

Transaction Processing

Transactions processed through Surf are subject to the following:

• Conversions are processed through decentralized protocols and licensed partners
• Exchange rates are determined at the time of transaction and may fluctuate
• Processing times may vary depending on network conditions and local payment systems
• Transactions on blockchain networks are irreversible once confirmed

Fees

Surf strives to offer zero-fee conversions. However, you may incur:

• Network transaction fees (gas fees) charged by blockchain networks
• Fees charged by third-party services or payment processors
• Currency conversion spreads where applicable

Risks

By using Surf, you acknowledge and accept the following risks:

• Volatility: Cryptocurrency values can fluctuate significantly
• Regulatory changes: Laws and regulations regarding cryptocurrency may change
• Technical risks: Smart contracts and blockchain technology may contain bugs or vulnerabilities
• Loss of access: Losing your private keys means permanent loss of funds
• Third-party risks: Services provided by decentralized protocols or partners are beyond our control

Prohibited Activities

You agree not to use Surf for:

• Money laundering or terrorist financing
• Fraud or deceptive practices
• Circumventing sanctions or export controls
• Any activity that violates applicable laws or regulations
• Attempting to interfere with or disrupt our services
• Accessing accounts or data belonging to other users

Intellectual Property

All content, trademarks, logos, and intellectual property displayed on Surf are owned by us or our licensors. You may not copy, modify, distribute, or create derivative works without our express written permission.

Disclaimer of Warranties

SURFCASH SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THAT OUR SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

We are not financial advisors and do not provide investment advice. You should consult with qualified professionals before making financial decisions.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SURFCASH AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR CRYPTOCURRENCY, ARISING FROM YOUR USE OF OUR SERVICES.

Indemnification

You agree to indemnify and hold harmless Surf and its affiliates from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.

Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue any part of our services at any time. We may also terminate or suspend your access to our services if you violate these Terms.

Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on our platform. Continued use of our services after changes constitutes acceptance of the new Terms.

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved through appropriate legal channels.

Contact Us

If you have any questions about these Terms of Service, please contact us:

• X (Twitter): @SurfCashX
• Telegram: Join our community