Terms and Conditions

These Terms and Conditions (the “T&C”) regulate the contractual relationship between the parties, ZAHNYMOUS LTD (“ZAHNYMOUS”, “we”, “us”, or “our”) and You, as the Purchaser (“you”, “your”, “client”, “user” or “Customer”).

These ZAHNYMOUS T&C govern rights and obligations in connection with the use of Services and Products provided by ZAHNYMOUS LTD (“Services and Products”), offered mainly through the Website https://www.zahnymous.io (the “Website”).

Privacy Policy and Cookie Policy of ZAHNYMOUS LTD are essential parts of current T&C

Meaning of definitions

In these T&C, here are the meanings of the following definitions, which will be constantly used in the text:

Beneficial owner — any individual that owns or controls 25% or more of the organization, either directly or indirectly.

Brand — an intangible marketing or business concept that helps Customers identify a ZAHNYMOUS or particular Product.

Branding — is the process of giving meaning to a specific organization, company, Product, or Service by creating and shaping a brand in consumers' minds. This is just a visual shell and does not carry any legal consequences for ZAHNYMOUS; it is not subject to change in the price or functionality of the Product.

Content — all applications, data, information, multimedia elements such as texts, drawings, graphics, design, icons, images, audio, video samples, and any other content that may form ZAHNYMOUS Website

Closed-loop gift cards — cards that buyers can redeem only at the store where they were purchased.

Gift voucher” is a card, piece of paper, or digital information that can be bought at a shop and entitles the person to exchange it for goods worth the same amount.

Identification — the action or process of ZAHNYMOUS Customer identifying.

Know Your Business (also defined as KYB) — the process of verifying the identification information provided by a business Partner to ZAHNYMOUS.

Know Your Customer (also defined as KYC) is the process of verifying a Customer's identification information to ZAHNYMOUS.

Manufacturer (issuer) — the legal entity which is the direct manufacturer or issuer of a Product proposed for purchasing on the ZAHNYMOUS platform.

Partners — legal entities which provide their Products and Services through the ZAHNYMOUS platform according to ZAHNYMOUS infrastructure, in particular those which provide services with selling, manufacturing, and/or issuing of Products and those which give services on exchanging, conversion, transferring, and/or storage of crypto tokens

Phone top-up is a simple way to send phone credit to mobile phones to call, send messages, or surf the Internet, depending on the phone options.

Products means closed-loop gift cards, vouchers, phone top-ups, and other ZAHNYMOUS Products proposed on the Website https://www.zahnymous.io.

Purchaser/Client/Customer — the user of our Services and purchaser of Products provided by the ZAHNYMOUS platform on the Website https://www.zahnymous.io

Services means the provision and/or resale of Products on the ZAHNYMOUS platform and other ZAHNYMOUS Services proposed on the Website https://www.zahnymous.io.

User — the user of a Website https://www.zahnymous.io.

Us/we/our/company/ZAHNYMOUS ” — means ZAHNYMOUS LTD, which is incorporated under the laws of England and Wales with registration number: 13938404 and registered address: Suite 17023 43 Bedford Street, London, United Kingdom, WC2E 9HA.

Utility tokens ” — are the type of tokens that provide consumers with access to a current or prospective Product or Service and often grant rights similar to pre-payment vouchers

Verification — the action or process of checking and confirming by the ZAHNYMOUS Customer the accuracy, truth, and correctness of personal information provided by a certain ZAHNYMOUS Customer.

Website https://www.zahnymous.io/

ZAH — utility token of ZAHNYMOUS.

About us

ZAHNYMOUS is a brand owned by ZAHNYMOUS LTD, a company registered and established under the laws of England and Wales. The company's registration number is 13938404, and the address is Suite 17023 43 Bedford Street, London, United Kingdom, WC2E 9HA. “You”, “Purchaser”, “Customer” or “Client” means a person who agrees to all these T&C. These T&C represent the rules and regulations of the ZAHNYMOUS Website https://www.zahnymous.io. By accessing this Website, you accept and agree to these T&C. In case you do not agree to these T&Cs, terminate the Website's usage — https://www.zahnymous.io, immediately. Once a customer signs up and/or clicks an “Accept” button on our Website, we understand he/she agrees with the current T&C. Please read these T&C carefully. By agreeing to our T&C, you state you are of age based on jurisdictions laws and regulations. You understand that you will not resell or do anything malicious, unlawful, or may hurt our reputation or pose any threat to us. You are under no obligation to use Services and Products provided by ZAHNYMOUS if you do not agree or understand any portion of these T&C, nor should you use the Services or Products unless you understand and agree to these T&C. ZAHNYMOUS LTD follows the laws of England and Wales.

Law and jurisdiction

These T&C are governed by and constructed under the laws of England and Wales. If your country does not recognize the obligations in working under the conditions of England and Wales, please refrain from using our Services, Products, and Website.

1. Introductory provisions

1.1. These T&C govern your rights and obligations in connection with the use of Services and Products provided by ZAHNYMOUS LTD. 1.2. ZAHNYMOUS is an electronic commerce platform specialized in the resale of closed-loop gift cards, vouchers, and phone top-ups (“Products”) and the provision of its platform for placing of Products provided by Partners of ZAHNYMOUS. 1.3. The Services and Products provided by ZAHNYMOUS LTD are only intended for persons over the age of 18. Registering on the Website, the user confirms that he/she is over 18 years of age. Using ZAHNYMOUS Services and buying Products is prohibited for those, who are under 18 years of age. If you are under 18, stop using the Website immediately. 1.4. ZAHNYMOUS is an official distributor of its Partners, which is authorized to provide a platform for placing Products of ZAHNYMOUS Partners. 1.5. The good faith of the Partners is a determining condition for a fruitful and lasting partnership with ZAHNYMOUS. 1.6. To get acquainted with the full scope of Products and Services, you can find https://www.zahnymous.io. Note that the list of Products and Services is not exhaustive and may grow or change over time. 1.7. Quality and timeliness of Products placed on the ZAHNYMOUS Website are regulated by the Terms and Conditions of certain Products and by relations between direct seller or manufacturer (issuer) and Customer. 1.8. The list of Products and Services offered by ZAHNYMOUS directly depends on the Customer's country. Some Products are geographically limited to certain countries, as envisaged by current T&C. 1.9. Purchaser is solely responsible for adherence to specific products' geographical restrictions. Before purchasing, Customers need to read the description of each particular Product owned by a concrete Product manufacturer (issuer) on its Website carefully. 1.10. ZAHNYMOUS guarantees that information in the Product description on the Website complies with the Terms and Conditions of concrete Products on the ZAHNYMOUS Partners` Website. 1.11. With a guide, gift card system, ZAHNYMOUS fundamentals, services and extras you can get acquainted with the ZAHNYMOUS Whitepaper — https://zah.gitbook.io/zah/.

2. KYB – Know your Business

2.1. ZAHNYMOUS investigates to verify the identity of entities we plan to do business with. This helps ZAHNYMOUS build a risk-free relationship with other companies. 2.2. In cases where ZAHNYMOUS cannot identify the business, we document and communicate the reasons for such business for our failure to identify them. ZAHNYMOUS do not engage with such business till they are placed. 2.3. Using this approach, we ensure that ZAHNYMOUS does not knowingly conduct business with the following: ● Terrorists & Terrorist Organizations ● Persons involved in narcotics, money laundering, or human trafficking; ● Anonymous Organizations; and ● Shell Companies 2.4. ZAHNYMOUS also verifies the identity of the beneficial owners of the organizations

3. Services and Products

3.1. ZAHNYMOUS must be considered a platform that offers Products of its Partners under the ZAHNYMOUS brand on the ZAHNYMOUS Website https://www.zahnymous.io. 3.2. ZAHNYMOUS Services provide the possibility of buying closed-loop gift cards, vouchers, and phone top-ups (“Products”) in the most suitable way. Buying Products on ZAHNYMOUS Website Customers can select the denomination per certain Product and the quantity of that type of the Product. 3.3. Services and Products of ZAHNYMOUS become available for Customers after connecting their wallets to the Website. In such a case, a wallet acts as the link to track the Customer`s history, and specific Customers can be identified. Customers, provided in p. 5.1 of current T&C, should also create a personal account to use the Products and Services of ZAHNYMOUS freely. 3.4. All risks and requirements regarding issuing, selling, and provision of Products fall on ZAHNYMOUS Partners, which have a special allowance to provide such Services or manufacture (issue) or give concrete Products placed and offered on the ZAHNYMOUS website. 3.5. ZAHNYMOUS is not responsible for the quality, characteristics, and capabilities of certain Products provided by its Partners. Liability for quality, characteristics, and capabilities of certain Products lies on manufacturers (issuers) of the Product. ZAHNYMOUS makes every effort to work only with those Partners, which provide high-quality Products. 3.6. ZAHNYMOUS grants the right to request services from Partners. Customers have the right to demand or challenge the quality of Products or Services provided by Partners if such Services or Products have been provided improperly. With all cases, terms, and complaints procedures, read p. 18 of the current T&C. 3.7. Due to this T&C, ZAHNYMOUS must not be considered the creator, designer, issuer, organizer, beneficiary, or manager of Products. Neither has ZAHNYMOUS played any role in deciding the Terms and Conditions applicable to each Product. Therefore, ZAHNYMOUS is not liable for any issue, damage, or loss arising from the Terms and Conditions of each Product. 3.8. After purchasing Products on the ZAHNYMOUS platform and receiving it from Customer, relations between ZAHNYMOUS and the Customer end. Further regulation of ties is carried out by the Terms and Conditions of the ZAHNYMOUS partner, which is the direct seller or manufacturer (issuer) of a particular Product. 3.9. If the Product seller or manufacturer (issuer) unilaterally changes some conditions, then the complaints and pretensions should be against the Product manufacturer (issuer). 3.10. If the Customer disagrees with the seller's or manufacturer's (issuer's) Terms and Conditions — we strongly recommend not to purchase the Product and/or order Services. Suppose the Customer disagrees with specific provisions of the seller's Terms and Conditions, which is discovered after the Purchasing of the Product. In that case, this will not be the basis for any refunds. 3.11. ZAHNYMOUS is responsible for providing the platform, placing Products, and the possibility to order such Products on ZAHNYMOUS Website. ZAHNYMOUS must not be considered a direct seller and/or manufacturer (issuer) of Products presented on the Website https://www.zahnymous.io and acts as intermediary and platform provider for Product placement by ZAHNYMOUS Partners. ZAHNYMOUS integrates high-quality program software that allows Customers to buy products quickly and reliably. 3.12. ZAHNYMOUS, in turn, makes an effort to ensure that the Customer receives quality Services provided by ZAHNYMOUS mentioned in this T&C. 3.13. ZAHNYMOUS does not store Customers' funds. Third parties store all Customer funds (ZAH token in particular). 3.14. ZAHNYMOUS makes every possible effort to provide the most convenient range of payment methods for the Customer and simplify the payment process in all imaginable ways. 3.15. Unless expressly agreed in a contract between ZAHNYMOUS and the Customer, Products purchased through ZAHNYMOUS may not be re-sold and shall be redeemed only by the Customer or on the Customer's behalf by someone to whom the Customer has gifted the Product. 3.16. ZAHNYMOUS Services and Products cannot be considered financial services required to have a license or special permission from the regulatory authorities. 3.17. ZAHNYMOUS and its Services and Products shall not be used, in any way, to infringe or circumvent the applicable laws and regulations, and any unlawful behavior is forbidden on ZAHNYMOUS.

4. Use of Services and Products, Website, and other content

4.1. The Website and all Services and Products, their appearance and all applications, data, information, multimedia elements such as texts, drawings, graphics, design, icons, images, audio, and video samples, and any other content that may form the Website, Services, and Products (collectively as the “Content”), are subject to legal protection according to copyright laws and other legal regulations and are the property of ZAHNYMOUS. We grant you limited, non-exclusive, non-transferable, non-assignable, non-passable, and revocable permission to use the Content to use Services and Products for your personal use and following the purpose for which the Services and Products are provided. The Content is not sold or otherwise transferred to you and remains the property of ZAHNYMOUS. 4.2. All trademarks, logos, trade names, and other designations are the property of ZAHNYMOUS, and we do not grant you any authorization to use them. 4.3. Both the Customer and ZAHNYMOUS undertake to act by the principles of fair dealing in the performance of this T&C and in mutual negotiations and, in particular, not to damage the legitimate interests and good reputation of the other party. The Customer and ZAHNYMOUS will resolve any possible disagreements or disputes per these T&C and the applicable law. 4.4. Except for the rights set out in these T&C, we do not grant you any other rights relating to the Services, Products, and other Content. You may only use the Services, Products, and other Content set out in these T&C. 4.5. When accessing the Services, buying Products, and other Content, the following is prohibited: 4.5.1. to use any tools that may affect the operation of the Website, Services, and Products or may be designed to exploit errors, bugs, or other deficiencies of the Website, Services, and Products; 4.5.2. to use automated means to view, display or collect information available through the Website, Services, and Products; and 4.5.3. to make copies or back-ups of the Website and other Content; 4.5.4. to reverse-engineer, disassemble, decompile or otherwise modify the Website and other Content; 4.5.5. to sell, rent, lend, license, distribute, reproduce, spread, stream, broadcast, or use the Services, Products, or other Content otherwise than as permitted; 4.5.6. to circumvent geographical restrictions or any other technical restrictions; 4.5.7. to use any other tools or means that could cause any damage to ZAHNYMOUS or third parties. 4.6. It is the Customers responsibility to provide us with the correct email address to send Products to; if there is a mess-up on the Customers part, we are not responsible. There will be no issuance of funds back, and the diligence measures we take as a project ensure everyone will receive the Product at the email address they were typed in. 4.7. If your actions will be connected with any suspect of a fraudulent claim, resell, speculations, money laundering, finance of terrorism, or any unlawful use purposes, we will discontinue your operations on the Website https://www.zahnymous.io. We are in regards to acting in this nature even under any suspicion with no required proof. This is to ensure that ZAHNYMOUS complies with regulations and provides stringent policies to protect ZAHNYMOUS LTD as an organization. Unlawful use can be described even to the principles that may reach outside these T&C. If the Customer is breaking any law in their jurisdiction, we have the right to terminate any user with no proposed response.

5. Personal accounts

5.1. Customers, which go over the threshold mentioned in p. 11 of current T&C, should have a personal account on the Website https://www.zahnymous.io to pass the KYC verification process and to unlock all spending limits to use Services and Products of ZAHNYMOUS. 5.2. Registration of a personal account consists of input of personal information: name, surname, email, place of residence, and date of birth and confirming you are 18 years old or more. By registering on the Website, the Customer confirms all information provided is proper, accurate, and up to date. The Customer is solely responsible for the accuracy, validity, and correctness of the information inserted on the platform (including, but not limited to, the email address to which the Product must be delivered and the amount purchased). 5.4. You cannot pass, sell, or deposit your account to another person. This prohibition also includes transferring any assets of any value, including but not limited to ownership of funds, deposits, rights, and/or claims due to these assets, legal, commercial, or otherwise. 5.5. All information that the Customer provides to us must be accurate, complete, and up-to-date. 5.6. After creating a personal account, the Customer is solely responsible for not revealing (intentionally or accidentally) his/her email address and his/her password. If the user has lost or forgotten his/her login data, he/she can recover the account's password on the Website. It is up to the Сustomer to protect any private keys, passwords, or anything tangible of this nature to cover security. The responsibility for a forgotten email, password, private keys, or account remembrance does not fall on ZAHNYMOUS. When agreeing to the T&C, you must understand that the security and diligence fall on the Customers in all applications regarding their own mistakes. 5.7. In case of unauthorized access to the account and/or any other security violation, the user must immediately notify ZAHNYMOUS via email [e-mail]. Furthermore, the user agrees to provide all evidence of such unauthorized access upon request. 5.8. If the Customer does not notify the ZAHNYMOUS, under no circumstances are we liable for any damage exposed by the user as a result of abuse of his login data by another person. That is, the loss of access to the user's account or unauthorized access to the personal account by another person is under the user's responsibility only. 5.9. The Account can be closed/deleted at any time; to do so, please get in touch with the ZAHNYMOUS support service via email [e-mail]. 5.10. If the Customer closes/deletes the personal account, any ZAH tokens stored there will not be refunded. 5.11. The account is subject to closure or cancellation if the user does fraudulent actions. In addition, the user will be prohibited from opening a new version on our Website and using our Services and Products of ZAHNYMOUS. 5.12. Before closing/deleting the account, the Customer will be notified via email or phone call using the contact information provided

6. ZAH Token

6.1. ZAH token is a ZAHNYMOUS utility token. The Financial Conduct Authority considers utility tokens as those outside the regulatory perimeter. 6.2. ZAH token does not reach the definition of e-money, in which case they would be regulated under the E-Money Regulations. ZAH token does not get the meaning of Security tokens as those tokens that provide rights and obligations akin to specified investments, including those that are financial instruments under MiFID II. 6.3. ZAH token is a token issued by ZAHNYMOUS LTD. Everybody can buy ZAH tokens through regulated platforms with special permission to use a third-party wallet. ZAHNYMOUS is not a subject of selling, transferring, conversion, or exchanging ZAH tokens. 6.4. ZAH is a volatile token, and it is subject to extreme price fluctuations, which may alter the proposed price of purchase on agreement of any Product. If this occurs, please understand that agreeing to the transaction could vary in a redo of the transaction or a loss or gain of a certain percentage. ZAHNYMOUS cannot affect the volatility and price of the token. 6.5. We do not control any movements of ZAH tokens. By abiding by this agreement, you understand that crypto is a volatile instrument, and the set price you are about to purchase could alter a redo in the amount you want. We hold a certain threshold to allow at a set price, either positive or in a hostile faction, but if this conversion exceeds our limit, we will have to ask you to redo the transaction. This is to make sure there is no capital loss to ZAHNYMOUS or ZAH users. 6.6. Everybody who possesses a ZAH token can buy Products on ZAHNYMOUS Website. The presence of a ZAH token does not exempt from passing KYC and AML procedures regulated by these T&C and other personal identification procedures. 6.7. ZAH token can be used to purchase Services and Products on the ZAHNYMOUS Website. Those Customers who have a ZAH token in their wallet connected to ZAHNYMOUS Website have access to the Services and Products of ZAHNYMOUS. 6.8. ZAH can`t be used for speculation operations. ZAHNYYMOUS will make every effort to avoid speculative transactions with ZAH tokens. 6.9. ZAH tokens can be bought, exchanged, transferred, or sold on unique exchange platforms with permission to do that only. All risks and responsibilities for purchasing or selling ZAH tokens bear entities that carry out the direct sale of the token. ZAHNYMOUS LTD is not a subject where ZAH tokens can be bought, exchanged, transferred, or sold. ZAH tokens can be stored on crypto wallets and other third-party blockchain apps that allow ZAH tokens to be stored. All commissions during the exchange, conversion, and transferring operations must be considered subject to payment by the Purchaser only. 6.10. ZAHNYMOUS and its team are not responsible for acquiring, storing, indirect, special, incidental, consequential, or other losing, and exchanging ZAH tokens. Any person undertaking the acquisition of the ZAH token acknowledges and understands that the ZAHNYMOUS does not provide any warranty as to the release of the ZAHNYMOUS Platform. They recognize and understand, therefore, that the ZAHNYMOUS (incl. its bodies and employees) assumes no liability or responsibility for any loss or damage that may result from or relate to the use of ZAHNYMOUS. Liability for those actions lies on regulated platforms which have special permission for it. 6.11. When buying ZAHNYMOUS Products for ZAH token, ZAHNYMOUS does not act as a subject of conversion or exchange. 6.12. All conversions and exchanges during buying or selling ZAH tokens or buying ZAHNYMOUS Products on ZAHNYMOUS Website are conducted by third parties. There are no rights or obligations for ZAHNYMOUS to be responsible for the conversion and exchange of funds by third parties, particularly ZAH tokens. 6.13. ZAH token passes the conversion process during the operation of buying ZAHNYMOUS products on its Website by third parties with legal permission to carry out such an exchange. 6.14. ZAHNYMOUS will take reasonable steps to prevent money laundering and/or terrorism financing using ZAH tokens

7. Personal identification

7.1. By agreeing to the current T&C, the user provides ZAHNYMOUS with the right to conduct reviews/identification/verification (at the discretion of the ZAHNYMOUS). Additionally, if required, we will have the right to conduct reviews/identification/verification of your data, contact details, and age from the third parties to confirm the identity of each Customer. 7.2. After successfully registering on the ZAHNYMOUS Website and providing correct, accurate, and up-to-date information for ZAHNYMOUS, Customers receive access to its Services and Products. 7.3. In case the information provided by the Customer is false, misleading, inaccurate, and/or otherwise incomplete, it is considered a violation of the T&C of ZAHNYMOUS. Suppose the provided information does not match with the user's documents. In that case, ZAHNYMOUS has the right to close/block/remove the user's account immediately and/or refuse to provide Services and Products to the Customer. This means that the Customer will no longer be able to access or use the Website or any other actions. 7.4. The Customer commits entirely to the general methods, procedures, and rules for providing Internet services and products.

8. Customer's responsibility

8.1. Customers are responsible for paying all the fees for Services and Products owed to ZAHNYMOUS. You agree not to make any chargebacks and/or refuse or cancel any payments made by you regarding provided Services and Products. You will indemnify ZAHNYMOUS for any chargebacks, denials, or cancellations of payments you make and any losses incurred by ZAHNYMOUS. 8.2. The Customer is fully liable for any mistakes, losses, or damages (against himself, us, or any third party) arising from the provision of incorrect, inaccurate, or fake information and the acquisition, resale, use, or other related activities of the Product, in a manner that infringes any applicable laws, regulations, contractual terms and conditions or other agreements. 8.3. For the avoidance of doubt, when the Product is being purchased, the Customer is solely responsible for the accuracy and correctness of the information inserted on the platform (including, but not limited to, the phone number, the country, the network operator and the amount of the top-up). We shall not be liable, in any case, for any consequences arising from the inaccuracy of the elements provided by the Customer. 8.4. The Customer is responsible for maintaining the confidentiality of its password and account and any activities and transactions under its account. Each Customer must have unique login credentials that multiple Customers may not share. 8.5. We shall not be liable to any person for any loss or damage that may arise from any failure by you to protect your password or account. If you suspect there has been unauthorized access to your account, contact ZAHNYMOUS support service via email [e-mail].

9. Restrictions

9.1. ZAHNYMOUS allows users to register and become users only to those whose countries and territories permit the use of the Website. With the list of countries where we are looking not to allow access to our dashboard, you can familiarize yourself with p. 10.7 of current T&C. 9.2. In combating AML/CFT, the countries listed in CFT will be blocked. Regarding AML, accounts will be restricted from use daily if they pass the threshold and will be obliged to pass KYC verification by p. 11 of this T&C. In another case, they will be blocked from use. This is to ensure that the safety of the organization and the anonymity of our customers will be protected. 9.3. ZAHNYMOUS will make every effort to deal only with the Customers who have a proven source of funds and wealth. 9.4. If you have a problem with access to the Website not caused by the matter above, please, contact the support service via email [e-mail].

10. AML and CFT procedures

10.1. ZAHNYMOUS must comply with AML and CFT rules and take appropriate measures to prevent money laundering and terrorism financing activities on its Website. 10.2. These T&C do not allow and actively pursue to prevent money laundering and any activity that contributes to money laundering or the financing of terrorists or any other criminal activities. 10.3. ZAHNYMOUS is committed to complying with AML and CFT requirements per applicable laws in the best standards of international law. Therefore, ZAHNYMOUS requires its employees and designated manufacturers to adhere to these standards to prevent using its Services and Products for money laundering purposes. 10.4. ZAHNYMOUS is to abide by the law to comply with any regulatory authorities to share any information to help combat financial crimes. The most important elements of the AML and CTF guidelines of ZAHNYMOUS are: ● Customer due diligence Customer due diligence information is obtained from the customer prior to entering into business relationships (and subject to KYC rules). ZAHNYMOUS also compares the information with independent sources for correctness. By collecting and verifying the Сustomer’s information ZAHNYMOUS aims to form a reasonable belief as to the true identity of the Сustomer. ZAHNYMOUS must also understand the business of the Сustomer to make sure that the Сustomer does not launder illicit funds through ZAHNYMOUS and/or these funds will not be used for terrorism financing. ● Risk Assessment A risk-based approach is used for the risk assessment. This means that ZAHNYMOUS understands the money laundering and terrorism financing risks to which it is exposed and applies AML/CFT measures in a manner and to an extent that ensures a mitigation of these risks. This flexibility enables ZAHNYMOUS to make the best possible use of its resources in situations with higher risks and to take increased measures. ● Ongoing Monitoring ZAHNYMOUS continuously monitors business relationships with Customers. All business relationships are continuously monitored using the risk-based approach, regardless of their risk classification. However, the scope and type of monitoring depends on the risk level of the Customer and the respective Service provided. Ongoing monitoring enables ZAHNYMOUS to gain deeper insights into the profiles and behavior of Customers. ● Record Keeping ZAHNYMOUS keeps records for each customer as part of the fight against money laundering and terrorism financing. These are encrypted in accordance with applicable law. This is to enable effective investigations, prosecutions and confiscation of criminal property to be as simple as possible. ● Communication with the responsible authorities and provision of information Communication with the responsible authorities and provision of information in the event of inquiries from authorities within the framework of applicable law. If there is suspicion or knowledge that the property of any value comes directly or indirectly from criminal activities or participation in such activities or that the intended purpose of the property is to sponsor one or more terrorists or a terrorist organization, ZAHNYMOUS will do so report to the competent authority and will cooperate on follow-up actions. This goes so far that the authorities (as far as legally permissible) all data of the Customer and Customer-specific records are made available. 10.5. As an organization, ZAHNYMOUS has principled the ideology that everyday spending is not money laundering. For any reason, there is a problem with a Customer's account. 10.6. ZAHNYMOUS does not support state-sponsored terrorism. Each country listed in p. 10.7 will be blocked from purchasing our Services and Products. 10.7. The countries we are looking to not allow access to our dashboard are North Korea, Cuba, Iran, Syria, Afghanistan, Iraq, Libya, Yemen, Sudan, and Somalia. We have the right to add and take away any countries on this list based on the criteria given for state-sponsored terrorism. For those countries, ZAHNYMOUS Website has an IP block to prevent unauthorized access to ZAHNYMOUS Services and Products.

11. KYC Procedures

11.1. As a registered company under the law of England and Wales, ZAHNYMOUS is constituted to do a KYC verification if any client goes over the threshold of 10,000 USD. This representation is the same for any amount that may be equivalent to 10,000 USD. 11.2. To limit the use and support of our Services and Products, we will restrict users with a limitation equivalent to a 1,000 USD daily limit. If the account connected to our dashboard reaches a threshold of 9,000 USD, it will automatically be rejected. This is to protect the individual's anonymity and protect ZAHNYMOUS LTD as an organization. 11.3. We are not responsible for Customers passing a threshold set out by their jurisdiction. We will do our diligence in blocking any IP address associated with a previous account that has reached the point of 9,000 USD. 11.4. A KYC check includes the provision of a passport or other document that identifies the person, the document that proves the place of residence, and a paper that demonstrates the source of funds. All information provided by the user to ZAHNYMOUS is proper, accurate, and up to date. 11.5. For large ZAHNYMOUS Customers we do allow extra features with no threshold limitations. If Customer is recognized as a large one, he/she has an obligation to pass KYC verification. ZAHNYMOUS provides large Customers with endless options without any daily and lifetime spending limits. 11.6. Third parties provide KYC checks of ZAHNYMOUS Customers, so the scope of required documents can be changed from time to time or case by case according to the terms and conditions of such third parties. 11.7. ZAHNYMOUS is responsible for conducting KYC checks of ZAHNYMOUS Customers on its own or through third parties.

12. Refund and Cancellation Policy

12.1. Products can be canceled, and a full refund must be issued in the following cases: ● The Product sold to the Customer is different from the Product ordered by the Customer; and/or, ● The manufacturer (issuer) of the Product does not oblige to the Terms and Conditions of the Product. 12.2. ZAHNYMOUS platform fee is based on the intermediary model. The Purchaser of the Product pays for it directly to its manufacturer (issuer). 12.3. If the order is still in pending status, and if the same order is canceled due to non-availability of Product or request from the end-user, the funds will be refunded as soon as possible.

13. Personal Data Protection and Privacy

13.1. We take the privacy and protection of our customers' data very seriously. 13.2. Customers shall visit and review our Privacy Policy to know more about how we process and protect their data and shall not proceed with using ZAHNYMOUS if it does not agree and consent to it.

14. Cookies and user`s data

14.1. As for most Websites, https://www.zahnymous.io/ uses cookies. Cookies are small text files, usually consisting of letters and numbers, stored on your computer, tablet, or mobile device when you access any Website. Cookies are accepted by your web browser and serve to identify your device. 14.2. We use cookies to improve the performance of our Website and to gather and transmit information about your visit to the Website. These include the number of visits, the average time spent, the pages accessed, your browser history on the Website, and other statistics that enable us to deliver the appropriate content matching your preferred interests. 14.3. In case any of the cookies implemented by us are processing your data, it is carried out by The Data Protection Act 2018 to safeguard our legitimate interest in the optimum functionality of the Website and ensure that our Website is customer-friendly and effective, or it is done based on your consent by The Data Protection Act 2018.

15. Disclaimer of warranty

15.1. ZAHNYMOUS puts effort into providing its Customers with the highest quality and security Services. You agree that the Services, Products, and Content you use or buy are at your own risk. You and only you are responsible for any damage to your computer system or loss of data due to downloading files, software, services, and/or any graphics or other Content. Services, Products, and Content are provided “as is”.

16. Force majeure

16.1. In case of failure or delay in fulfilling any of our obligations due to force majeure, ZAHNYMOUS disclaims any responsibility. Force Majeure may be considered as events that are not under our reasonable control, namely, but not limited to, wars, natural disasters, civil unrest, public communications or network disruptions, industrial disputes or DDOS attacks, and similar Internet attacks that have an adverse effect.

17. Changes to the Terms and Conditions

17.1. Our T&C is subject to changes published on our Website. ZAHNYMOUS has the right to expand and supplement current T&C at its discretion. The user of the Website agrees to the fact that changes and amendments listed on the Website come into effect immediately. It is the user's responsibility to be updated and aware of the T&C that is in force. In case the Customer disagrees with the T&C or the latest changes, he/she needs to stop using our Website or has to delete his/her account, if applicable. However, in case of continued use of the Website after the amendments to the T&C come into effect, it will be taken as your consent to the changes. These T&C can be found in different languages but with the same principles. In the instance of inconsistencies between the other language translations, please be aware that the English version should be the primary one.

18. Complaints

18.1. Customers have a right to contact ZAHNYMOUS with a complaint in case of: ● improper Products or Services provision; ● poor quality Products and Services provision; ● refusal to provide Products or Services; ● non-receipt of ordered Product or Services in terms; ● provision Products or Services other than what was called; ● unlawful actions during the provision of Products or Services; ● in other cases, according to the current T&C. 18.2. ZAHNYMOUS, if required, will make every effort to solve the problem and resolve the dispute. ZAHNYMOUS is obliged to consider a complaint and give a response in 5 working days. If the 5 working days term is not followed, the Customer will have the right to demand an immediate response. 18.3. If you have any complaints concerning our Website, Services, or Products offered by ZAHNYMOUS LTD, please do not hesitate to contact our support team via email [e-mail]. 18.4. All the complaints are processed by our managers responsible for the protests. They are equipped with all the qualities to ensure your complaints are solved easily and quickly. The time of handling your complaints depends on their nature and their urgency