1) Introduction
These Terms and Conditions (“Terms”) govern the use of the service “Saving Account” offered by DEX TECH EOOD, a single-member limited liability company registered in Bulgaria with Unified Identification Code (UIC) 208042786, with its registered office at: Bulgaria, Sofia Region (capital), Stolichna Municipality, City: Sofia, ZIP 1540, Slatina District, 132 Mimi Balkanska Boulevard.

DEX TECH EOOD is duly registered with the VASP register maintained by the National Revenue Agency of the Republic of Bulgaria, pursuant to Article 9a, Paragraph 1 of the Measures Against Money Laundering Act, and is authorized to provide custody services for virtual assets, exchange between virtual currencies and recognized currencies, and other services related to the transfer, storage, and management of virtual currencies.

By accessing and using the service, the Client declares that they have read, understood, and fully accepted these Terms.

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2) Definitions

• DEX TECH EOOD: a VASP company legally authorized in Bulgaria, holder of the virtual asset custody service.

• Client: an individual or legal entity that has successfully completed the onboarding procedure in compliance with applicable AML/KYC regulations, including the assessment of suitability and knowledge of the service through a specific questionnaire, and that has activated a Saving Account with DEX TECH.

• Saving Account: a digital wallet registered to the Client, intended for the passive custody of virtual assets. It does not provide remuneration, repayment guarantees, or insurance coverage of any kind unless otherwise specified.

• Saving Product: an unregulated financial product, voluntarily accessible by the Client, which includes a combination of duration, possible lock-up period, expected yield, early exit conditions, and collateral guarantees.

• Collateral Guarantee: underlying assets (real immobilization, financial instrument, or right) that DEX TECH acquires as collateral for the Saving Product, binding it for the Client’s interest.

• Expected Yield: potential interest derived from the proceeds generated by the Collateral Guarantee. It is expressed in nominal terms or as a percentage and does not constitute a promise of guaranteed return.

• Lock-up: any limitation on the availability of funds subscribed to a Saving Product, applicable only in cases expressly stated in the relevant product datasheet.

• Platform: an IT system, operated wholly or partially by DEX TECH EOOD, under its own name or related trademarks, which allows the Client to access and interact with the Saving Account and Saving Product services, also through web interfaces, mobile apps, or APIs.

• Virtual Asset: a digital representation of value that can be transferred, stored, or exchanged electronically, and is used as a means of payment or store of value, typically in the form of virtual currency (e.g., Bitcoin, Ethereum, USDT, etc.). It does not include NFTs, non-fungible digital assets, or instruments not intended for monetary use.

3) Subject of the Service
The Saving Account allows the Client to deposit virtual assets into a wallet custodied by DEX TECH. This wallet is non-interest bearing, non-yielding, and non-locked.

The Client may select one or more Saving Products available through the DEX TECH platform, at their discretion. Subscribing to these products involves allocating funds into Collateral Guarantees, with possible specific yields and lock-up conditions, as provided in each product datasheet.

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4) Operating Procedures of Saving Products
Each Saving Product has specific characteristics, detailed in its respective technical datasheet (duration, yield methods, risk, presence or absence of lock-up, and other parameters). Subscription does not automatically imply a lock-up of funds: the lock-up applies only if expressly stated in the product datasheet.

Upon subscription, DEX TECH EOOD undertakes to:

• Purchase a Collateral Guarantee appropriate for the subscribed amount.

• Custody said guarantee for the benefit of the Client.

• Return to the Client, upon maturity or as otherwise provided, the proceeds derived from the asset activity, net of any explicitly stated fees.

The Expected Yield is based on the performance of the selected collateral guarantee. It is neither guaranteed nor insured by DEX TECH.

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5) Onboarding and AML/KYC Requirements
Access to the services is granted exclusively to Clients (individuals or legal entities) who:

• Have successfully completed the onboarding process required by the anti-money laundering (AML) and counter-terrorism financing (CTF) regulations applicable in the Republic of Bulgaria.

• Have completed and passed the competency questionnaire aimed at assessing the Client’s knowledge and awareness regarding the nature and risks of the service offered.

DEX TECH EOOD reserves the right to refuse or revoke access to the service if these requirements are not met or cease to be fulfilled.

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6) Exclusions and Limitations of Liability
DEX TECH EOOD is not responsible for:

• The failure, insolvency, or default of third parties who issue, custody, or manage the Collateral Guarantees.

• Force majeure events, including natural disasters, civil unrest, systemic interruptions, extraordinary regulatory interventions, or cyberattacks.

• Losses related to the volatility of virtual assets or the failure to achieve the expected yield.

• Failures attributable to causes not directly controllable by DEX TECH.

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7) Costs and Fees
The Saving Account is offered free of charge as a passive custody service.
Saving Products may incur entry fees, management fees, or exit penalties, all clearly stated in the documentation related to the selected product.

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8) Withdrawal and Refund
The Client may withdraw from the Saving Account at any time, except for funds locked in Saving Products.

For Saving Products:

• Withdrawal is only possible if allowed by the related documentation.

• In case of early withdrawal, penalties and/or loss of accrued expected yield may apply.

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9) Applicable Law and Jurisdiction
These Terms are governed by the laws of the Republic of Bulgaria. In case of disputes, the exclusive jurisdiction shall be the court of Sofia, unless otherwise required by law.

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10) Changes to the Terms
DEX TECH EOOD reserves the right to modify these Terms, with prior notification via the platform. Continued use of the service after the Terms have been updated implies implicit acceptance.