TERMS OF SERVICE

1. INTRODUCTION

These Terms of Service ("Terms") govern your access to and use of the UNIGOX platform, website, APIs, applications, and related services (collectively, the "Services").

Depending on the specific product and transaction leg you use, your contractual counterparty is: (a) UNIGOX NETWORK CORP. (Panama) ("UNIGOX Panama"), for crypto-side services including digital asset wallet and on-chain escrow functionality; and (b) UNIGOX NETWORK CORP. (Canada) ("UNIGOX Canada"), for fiat-side services including fiat payment orchestration, settlement interfaces, and compliance controls associated with fiat rails.

UNIGOX Panama and UNIGOX Canada are referred to individually as a "UNIGOX Entity" and together as "UNIGOX", "we", "us", or "our". By using the Services, you agree to these Terms and our Privacy Policy.

2. CORPORATE DETAILS

2.1 UNIGOX Panama

Legal name: UNIGOX NETWORK CORP.

Jurisdiction: Panama

Registration number: 155761779

Date of incorporation: January 16, 2025

Tax ID (RUC): 155761779-2-2025

Registered address: Province of Panama, District of Panama, Betania, Via Ricardo J. Alfaro, PH The Century Tower, Office 317

2.2 UNIGOX Canada

Legal name: UNIGOX NETWORK CORP.

Jurisdiction: Canada

Registration number: BC1532559

FINTRAC MSB number: C100001069

Registered address: C/O Snap Incorporations, 302-540 Lawrence Avenue, Kelowna, British Columbia V1Y 6L7, Canada

3. SERVICE MODEL, ENTITY SPLIT, AND TRANSACTION ARCHITECTURE

3.1 Core service model. UNIGOX provides automated crypto-fiat infrastructure combining: (a) liquidity aggregation across licensed payment providers, institutional partners, and verified individual vendors; and (b) on-chain escrow for automated transaction settlement. Depending on the transaction type, a counterparty may be an individual user, a licensed payment institution, or a B2B API partner — UNIGOX matches users with the best available liquidity source. UNIGOX currently holds user wallet assets on a custodial basis and is transitioning to a non-custodial model (see Sections 6.6 and 6.7).

3.2 Entity and service split. Crypto-side services are provided by UNIGOX Panama. Fiat-side services are provided by UNIGOX Canada.

3.3 Crypto-side service scope (UNIGOX Panama).

Crypto-side services may include, as applicable:

A. Wallet and Deposit Management

•wallet address generation for supported blockchain networks;

•crypto deposit handling and balance tracking;

•support for selected blockchain networks made available by UNIGOX from time to time.

B. On-Chain Transfer Orchestration

•on-chain transfer initiation and settlement routing;

•transaction broadcasting to blockchain networks;

•transaction status monitoring and confirmation tracking.

C. Bridge and Cross-Chain Routing

•bridge/routing flows across supported chains;

•cross-chain swaps and asset transfers;

•integration with supported bridge protocols.

D. On-Chain Escrow Logic (detailed in Section 8)

•holding digital assets in smart contract escrow until release conditions are met;

•automated escrow release based on payment verification or manual review.

E. Risk and Security Controls

•transaction status monitoring;

•sanctions screening integration (crypto addresses);

•suspicious transaction flagging and review.

3.4 Fiat-side service scope (UNIGOX Canada).

Fiat-side services may include, as applicable:

A. P2P Fiat Matching

•peer-to-peer fiat payment coordination between matched users;

•payment verification interfaces and transaction status tracking;

•user-to-user payment confirmation workflows.

B. Licensed Provider Fiat Execution

•On-ramp: purchasing crypto using fiat via licensed payment institutions, EMIs, PSPs, MSBs, VASPs, banks, and equivalent regulated entities;

•Off-ramp: selling crypto for fiat via the same categories of licensed providers;

•fiat payment orchestration through regulated third-party providers;

•payout/collection workflows via regulated counterparties;

•fiat-side verification controls and transaction checks;

•operational interfaces with payment rails and regulated entities.

C. Licensed Provider Integrations

UNIGOX works with regulated licensed providers for certain service legs. The list of active providers may change over time. Payment processors and gateways handle card payments, bank transfers, and local payment methods. Banking partners handle fiat custody, settlement, and regulatory compliance. UNIGOX may add, remove, or replace providers over time for legal, compliance, security, availability, or commercial reasons without individual user consent where such changes are necessary to maintain lawful and secure service delivery.

3.5 Hybrid transaction model. A single UNIGOX transaction may involve P2P elements (user-to-user crypto/fiat exchange with escrow and verification), licensed provider elements (regulated on-ramp or off-ramp execution through third-party payment institutions), or mixed flows combining both legs. The specific transaction path depends on: user location and KYC/KYB status; payment method selected; regulatory requirements in applicable jurisdictions; availability and operational status of providers; and transaction size and risk profile.

3.6 Third-party dependencies and service provider details.

Parts of the Services rely on third-party providers. Transactions involving such providers may be subject to separate terms and operational constraints.

A. Core provider categories

UNIGOX uses third-party providers across the following categories: (a) fiat execution partners, including licensed payment institutions, EMIs, PSPs, and money services businesses; (b) identity and KYC/AML verification providers; (c) payment verification and cryptographic proof providers; (d) blockchain infrastructure, node, custody, and key management providers; and (e) customer support and communication platforms. UNIGOX may add, remove, or replace providers within these categories over time without individual user notice where such changes are necessary to maintain lawful and secure service delivery.

B. Third-party dependency notice

UNIGOX does not control third-party uptime, policy changes, or processing timelines and is not responsible for failures caused solely by third-party systems outside UNIGOX direct control.

C. Data sharing

UNIGOX may share necessary data with third-party providers for transaction execution, verification, compliance, fraud prevention, and support.

3.7 Mixed-flow support routing. If an issue involves both crypto-side and fiat-side services, users may contact support@unigox.com and UNIGOX will coordinate routing internally between the relevant UNIGOX Entities and third-party providers.

4. ELIGIBILITY

To use the Services, you must:

•be at least 18 years old;

•have legal capacity to enter into a binding agreement;

•not be in a prohibited jurisdiction and not be a sanctioned person;

•not be using the Services for any prohibited purpose (see Section 7).

Business users must have authority to bind their entity and provide complete corporate documentation, including: Certificate of Incorporation or equivalent; proof of business address; Ultimate Beneficial Owner (UBO) information; and business bank account documentation.

5. ACCOUNT REGISTRATION AND SECURITY

You must provide accurate and current information, maintain credential security, and notify UNIGOX immediately of any compromise. Account security relies on a one-time password (OTP) sent to your registered email address. For details on how UNIGOX currently manages private keys and the timeline for transitioning to user-held key custody, see Section 6.6.

6. COMPLIANCE, KYC/KYB, AND SANCTIONS

6.1 Verification and monitoring. UNIGOX applies risk-based KYC/KYB and AML/CTF controls. We may require: identity/corporate verification (government-issued ID, business registration documents); source-of-funds/source-of-wealth information; enhanced due diligence for high-risk profiles or jurisdictions; and ongoing transaction monitoring before or after account activation.

6.2 Ongoing obligations. You must promptly update any changed onboarding information, submit refreshed documents upon request, and respond to compliance inquiries within requested timeframes. Where required by applicable law, UNIGOX may file regulatory reports with competent authorities (FINTRAC, financial intelligence units, law enforcement). UNIGOX Canada monitors its obligations under the Retail Payment Activities Act (RPAA) administered by the Bank of Canada. UNIGOX will complete any required registration under the RPAA before offering payment services that are subject to that Act, and will publish relevant registration details at unigox.com upon completion.

6.3 Sanctions and restricted use.

You may not use the Services if you are:

•sanctioned by any applicable sanctions regime (US OFAC, EU, UN, etc.);

•located in or ordinarily resident in a prohibited jurisdiction (see Section 6.4); or

•using the Services for unlawful activity (money laundering, terrorist financing, fraud, etc.).

We may suspend, block, delay, or cancel transactions to comply with legal, regulatory, or risk obligations.

6.4 Prohibited countries and jurisdictions. UNIGOX does not offer Services to individuals or entities located in, incorporated in, or ordinarily resident in the following sanctioned or restricted countries: Afghanistan, Belarus, Burundi, Central African Republic, Cuba, Iran, Iraq, Lebanon, Libya, North Korea, Russia, Somalia, South Sudan, Sudan and Darfur, Syria, Venezuela, and Yemen. UNIGOX also excludes any other country or jurisdiction subject to applicable sanctions regimes (US OFAC, UK OFSI, EU consolidated list, UN Security Council). UNIGOX does not currently offer Services in the United States due to regulatory considerations unrelated to sanctions. Ukraine is a supported jurisdiction. However, UNIGOX does not offer Services to persons located in or ordinarily resident in the following Ukrainian territories currently subject to international sanctions or military occupation: Crimea, Donetsk People's Republic (DNR), and Luhansk People's Republic (LNR). This list may be updated without prior notice.

6.5 Screening, review, and controls.

Risk/compliance review may be triggered by:

•sanctions list matches (name, address, wallet address screening);

•unusual transaction patterns (high-frequency trading, round-tripping, structuring);

•inconsistent KYC/KYB information (mismatched names, addresses, documents);

•payment fraud indicators (chargebacks, stolen cards, compromised accounts);

•high-risk jurisdictions or payment methods; or

•peer screening (transaction counterparty flagged).

6.6 Wallet Custody. UNIGOX currently operates user wallets on a custodial basis, meaning UNIGOX manages private keys associated with your in-platform wallet on your behalf. UNIGOX is actively migrating to a non-custodial wallet architecture in which private keys will be managed on the user-device side and will not be accessible to UNIGOX. The expected timeline for this migration will be announced separately and updated at unigox.com. Upon migration, you will be solely responsible for the security and backup of your wallet credentials. Loss of private key access in a non-custodial model results in unrecoverable loss of funds.

6.7 Trade Escrow. When you initiate a transaction, digital assets are held in on-chain escrow until configured release conditions are met. UNIGOX acts as escrow administrator and can only direct the release of escrowed funds to the buyer or seller, as determined by verified payment confirmation, dispute resolution, or applicable compliance obligations. UNIGOX cannot unilaterally withdraw or redirect escrowed funds to itself or any third party outside of defined release conditions. UNIGOX has the ability to freeze or restrict access for either party where required by law, a compliance obligation, or a platform dispute. This escrow function is separate from wallet custody and will continue to be administered by UNIGOX or on-chain smart contracts regardless of the wallet custody model in use. UNIGOX is not a cryptocurrency exchange, broker-dealer, or investment adviser. While stablecoins (USDC/USDT) are designed to maintain stable value, UNIGOX makes no representation or warranty regarding the value, stability, liquidity, or continued operation of any digital asset. Users accept the inherent risks of digital asset transactions, including smart contract risks, blockchain network risks, and counterparty risks.

7. USER CONDUCT AND PROHIBITED ACTIVITIES

You may not use the Services for:

•fraud, money laundering, terrorist financing, or sanctions evasion;

•market manipulation or abuse (wash trading, spoofing, pump-and-dump schemes);

•stolen funds or proceeds of crime;

•deceptive conduct or misrepresentation;

•intellectual property rights violations; or

•hacking, phishing, or social engineering attacks.

You may not:

•interfere with system integrity or security controls;

•attempt to bypass APIs, smart contract logic, or compliance processes;

•use automated tools (bots, scrapers) without authorization;

•create multiple accounts to evade limits or restrictions; or

•engage in any activity that violates these Terms or applicable law.

8. ESCROW, TRANSACTION EXECUTION, AND SETTLEMENT

8.1 General transaction framework. UNIGOX matches users and automates settlement workflows. Transaction outcomes depend on user input accuracy, blockchain conditions, and third-party provider and rail availability. Transactions may involve P2P flows (direct user-to-user exchange with on-chain escrow), licensed provider flows (execution through regulated third-party institutions), or hybrid flows combining both.

8.2 On-chain escrow mechanics. Digital assets are held in on-chain escrow (managed by UNIGOX Panama smart contracts) until configured release conditions are met.

8.3 Escrow release conditions. Escrow release may occur via verified payment confirmation (including supported cryptographic proof flows), manual review, or dispute outcome.

8.4 Fiat verification dependency. Fiat-side verification may depend on integrated providers and methods used by UNIGOX, including cryptographic proof methods and manual evidence review. Processing delays or interruptions may occur due to provider or bank-side availability.

8.5 Escrow disputes. Users may open disputes through in-platform live chat or by email at support@unigox.com.

8.6 Escrow ownership and use of funds. Assets in escrow are used only for transaction settlement under escrow logic and are not used for lending, staking, or unrelated treasury operations.

8.7 Blockchain irreversibility. Blockchain transfers are generally irreversible after on-chain confirmation. Users must carefully verify wallet and payment details before confirming transactions. Incorrect details may result in unrecoverable loss.

8.8 FINTRAC Compliance. UNIGOX Canada fulfills its standard obligations as a registered Money Services Business (MSB) under applicable Canadian law, including client identification, transaction monitoring, and regulatory reporting to FINTRAC. The FATF Travel Rule does not apply to UNIGOX's swap and bridge operations: in these flows, transactions execute via self-executing smart contracts and UNIGOX does not initiate or send virtual asset transfers on behalf of users. On the fiat side, electronic funds transfers are initiated and processed by licensed third-party payment providers who carry their own Travel Rule obligations.

9. FEES AND PRICING

9.1 Fee structure. Current service fees and pricing are available at https://www.unigox.com/business. All applicable fees are shown before you confirm any transaction. UNIGOX will provide at least 30 days' notice before any change to service fees or commissions, communicated via in-product notification, email to the registered account, and publication on the website. Immediate changes may apply where required by law or regulation, or where necessary for security, fraud prevention, or compliance.

10. RISK DISCLOSURE

By using the Services, you accept that:

•blockchain congestion, network issues, or smart-contract behavior may affect execution timing or outcomes;

•Matched counterparties may fail to perform; fiat payments may be delayed or reversed by banks or providers;

•bank and payment network availability is outside UNIGOX direct control; and

•you are solely responsible for the security of your account credentials (email address, OTP codes, and login information) and access devices; once UNIGOX completes migration to a non-custodial wallet model (see Section 6.6), you will also become solely responsible for your private keys, and any loss of wallet access will be unrecoverable.

11. SUSPENSIONS, RESTRICTIONS, AND TERMINATION

UNIGOX may suspend, restrict, or terminate access where:

•compliance checks fail (KYC/AML verification incomplete or suspicious);

•suspicious activity is detected (fraud indicators, sanctions screening, unusual patterns);

•legal obligations require intervention (law enforcement request, court order); or

•you breach these Terms (prohibited activities, misrepresentation, system abuse).

UNIGOX will provide notice where feasible and legally permitted. Immediate suspension may occur for security, fraud, or legal reasons without prior notice.

11.1 User-initiated closure. You may request account closure by contacting support@unigox.com. Please withdraw any remaining funds before requesting closure. UNIGOX may retain certain records after closure as required by applicable law.

11.2 Funds after restriction or termination.

Subject to legal and regulatory constraints:

Available balances

•Non-restricted balances remain withdrawable after termination, subject to applicable controls and operational requirements.

•You must provide valid withdrawal instructions and complete any required verification.

•Withdrawal methods may be limited based on product flow, jurisdiction, and provider availability.

Escrowed funds

•Funds in active escrow remain subject to escrow and dispute logic (Section 8).

•You cannot withdraw these funds until escrow conditions are met or the dispute is resolved.

Restricted funds

•Funds subject to sanctions, legal holds, fraud investigations, or regulatory restrictions cannot be withdrawn.

•Such funds remain restricted until the relevant legal or compliance process is completed.

•Funds may be reported, frozen, or transferred to authorities where required by law.

12. INTELLECTUAL PROPERTY

12.1 Ownership. The UNIGOX platform, website, APIs, software, source code, algorithms, interfaces, documentation, branding, trademarks, and logos are owned by UNIGOX NETWORK CORP. or its licensors. Nothing in these Terms transfers any ownership interest in UNIGOX intellectual property to you.

12.2 License to Use. Subject to your compliance with these Terms, UNIGOX grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Services solely for your own lawful purposes. This licence does not include any right to: (a) resell or commercially exploit the Services; (b) copy, reproduce, or distribute any part of the Services; (c) modify, adapt, or create derivative works; or (d) use data mining, robots, scraping, or similar automated methods.

12.3 API Access. If you are granted API access, such access is governed by the licence in Section 12.2 and any applicable service agreement. You may not reverse-engineer, decompile, or attempt to extract source code from the UNIGOX API or platform. API credentials are personal to your account and may not be shared or transferred.

12.4 Your Data. You retain ownership of transaction data and content you submit through the Services. By using the Services, you grant UNIGOX a limited licence to process, store, and use your data solely as necessary to provide the Services, comply with legal obligations, and improve platform functionality.

12.5 Trademarks. "UNIGOX" and the UNIGOX logo are trademarks of UNIGOX NETWORK CORP. You may not use any UNIGOX trademark, trade name, or logo without prior written consent.

13. DISCLAIMERS

Services are provided on an "AS IS" and "AS AVAILABLE" basis. To the maximum extent permitted by law, UNIGOX disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of information.

UNIGOX does not guarantee: uninterrupted availability or uptime; error-free operations; third-party service continuity; specific transaction outcomes; data accuracy (exchange rates, balances, statuses may be incorrect); or complete security against unauthorized access or system breaches.

14. LIMITATION OF LIABILITY

To the maximum extent permitted by law, UNIGOX's aggregate liability to you for any claims arising out of or relating to these Terms or the Services shall not exceed the greater of: (a) the total fees paid by you to UNIGOX in the three (3) months preceding the event giving rise to the claim; or (b) CAD $1,000. This cap applies regardless of the form of action, whether in contract, tort, negligence, strict liability, or otherwise.

UNIGOX is not liable for: indirect or consequential damages, including loss of profits, business interruption, or reputational harm; or losses caused solely by third-party provider failures, blockchain or network disruptions, user input errors, or force majeure events. For purposes of these Terms, force majeure events include acts of God, governmental actions, war, terrorism, pandemics, widespread blockchain network failures, internet infrastructure outages, and other events beyond UNIGOX's reasonable control. Nothing in these Terms excludes liability that cannot be excluded under mandatory law.

15. INDEMNIFICATION

You agree to indemnify and hold harmless UNIGOX Entities, affiliates, officers, employees, and agents from all claims, losses, damages, liabilities, costs, and expenses (including legal fees) arising from:

•your breach of these Terms;

•your unlawful conduct or violations of applicable law;

•your misuse of Services or violation of third-party rights;

•inaccurate information you provided during registration or KYC;

•your failure to maintain account credential security;

•disputes with other users or transaction counterparties; or

•claims that you violated IP rights or engaged in fraud.

This indemnification survives termination of these Terms. It covers affiliates and service providers, defense costs, and settlements. For B2B and API partners, this applies even where UNIGOX is partially at fault — in that case you pay your proportionate share. Individual consumers are not required to indemnify UNIGOX for losses attributable to UNIGOX's own fault, to the extent such indemnification would be unenforceable under applicable mandatory consumer protection law. You must cooperate with UNIGOX when defending any claim, not settle without UNIGOX consent, and notify UNIGOX promptly when a claim arises.

16. PRIVACY AND DATA SHARING

We process personal and business data under our Privacy Policy: https://www.unigox.com/privacy-policy.

16.1 Data sharing authorization.

You authorize us to share relevant data with:

•UNIGOX affiliates (Panama and Canada entities) for transaction coordination;

•service providers and vendors: KYC, compliance, payment processors, hosting, analytics;

•payment providers and fiat gateways: banks, payment institutions, and local payment rails;

•regulatory authorities and law enforcement where required by law; and

•third parties as necessary for transaction execution, compliance, security, and legal obligations.

We share data to execute transactions, meet KYC/AML/CTF and sanctions requirements, prevent fraud, support users, and maintain platform security.

16.2 Data retention. We retain data as required by applicable law, regulatory obligations, fraud prevention, security, and dispute-resolution requirements.

17. CLAIMS, COMPLAINTS, AND DISPUTE HANDLING

UNIGOX takes all complaints seriously. The following process applies to all complaints from individual users and institutional partners.

17.1 How to Submit a Complaint. Complaints may be submitted by email at support@unigox.com or via live chat at unigox.com. Please include: your full name and contact information; a description of the issue and the date it occurred; any relevant transaction IDs or supporting documents; and the outcome you are seeking.

17.2 Complaint Handling Timelines. Complaints are handled as follows: (a) acknowledgment within 2 business days of receipt; (b) investigation and response within 10 business days; (c) complex cases up to 30 business days, with written notification to the customer by day 10.

17.3 Escalation. If a complaint is not resolved to your satisfaction, you may escalate to the Company's Compliance Officer at amin@unigox.com. If unresolved after escalation, you may contact the applicable provincial or territorial consumer protection authority in your jurisdiction.

18. GOVERNING LAW AND DISPUTE RESOLUTION

18.1 Governing law split by service leg.

Crypto-side disputes — disputes, claims, or complaints primarily related to crypto-side services (wallet, escrow, blockchain transactions, smart contracts) — are governed by the laws of Panama.

Fiat-side disputes — disputes, claims, or complaints primarily related to fiat-side services (payment processing, bank transfers, fiat verification, KYC/AML) — are governed by the laws of Canada, or the applicable province where specified.

18.2 Dispute Resolution and Arbitration.

Informal resolution: Before initiating arbitration or court proceedings, the parties agree to attempt informal resolution. The party raising the dispute shall notify the other in writing, and both parties shall make good-faith efforts to resolve the matter within 30 days.

Binding arbitration: If not resolved informally within 30 days: (a) Fiat-side disputes shall be submitted to binding arbitration administered by the Vancouver International Arbitration Centre (VanIAC), conducted by a single arbitrator in Vancouver, British Columbia, Canada. (b) Crypto-side disputes shall be settled under the Rules of Arbitration of the International Chamber of Commerce (ICC) by one arbitrator. In both cases, the language of arbitration shall be English. The arbitration award shall be final, binding, and enforceable in any court of competent jurisdiction.

Consumer carve-out: Nothing in this Section 18.2 limits the right of individual consumers to bring claims before applicable consumer protection tribunals or small claims courts in their province of residence, where such rights cannot be waived under mandatory law. In addition, any claim by an individual consumer not exceeding CAD $10,000 may be brought before the applicable small claims court in the consumer's province of residence, regardless of whether the dispute relates to fiat-side or crypto-side services.

18.3 Mixed disputes (fiat + crypto). If a dispute involves both fiat-side and crypto-side elements, the governing law and venue are determined by the dominant leg of the dispute, assessed by primary subject matter and main alleged harm.

18.4 Court jurisdiction. If arbitration does not apply or is unavailable: crypto-side disputes are subject to the exclusive jurisdiction of the courts of Panama City, Panama; fiat-side disputes are subject to the courts of British Columbia, Canada (or your province of residence for consumer disputes where required by mandatory consumer protection law).

19. CONSUMER PROTECTION, REFUNDS, AND FEE CHANGES

19.1 Consumer Rights. UNIGOX treats all users fairly and transparently. All fees, exchange rates, and transaction costs are disclosed before any transaction is confirmed. UNIGOX does not engage in aggressive or misleading marketing practices. Customer data is processed in accordance with PIPEDA and our Privacy Policy. Users may request access to or deletion of their personal data by contacting support@unigox.com.

19.2 Refund Policy — Crypto Transactions. Blockchain transactions are irreversible by nature. Once confirmed on-chain, a transaction cannot be reversed. UNIGOX is not liable for losses arising from user error, incorrect wallet addresses, or third-party failures after on-chain confirmation. Refunds may be considered only where: (a) a technical error on the UNIGOX platform caused the transaction to fail or be processed incorrectly; or (b) a duplicate charge occurred due to a platform error.

19.3 Refund Policy — Fiat Transactions. For fiat transactions processed through UNIGOX infrastructure, refunds may be issued where: (a) the payment was not delivered to the intended recipient due to a platform error; (b) the transaction was cancelled before processing was complete; or (c) a duplicate payment was made due to a system error. To request a refund, contact support@unigox.com within 30 days of the transaction date. Approved fiat refunds are processed within 5 to 10 business days and returned to the original payment source where technically possible.

19.4 Non-Refundable Items. The following are not eligible for refunds: (a) service fees for completed and successfully delivered transactions; (b) exchange rate differences from market movement; and (c) transactions on accounts suspended or terminated for policy violations.

19.5 Fee and Commission Changes. UNIGOX will provide at least 30 days' written notice before any change to service fees or commissions takes effect, via email to the primary contact on file and posting at unigox.com. Exchange rates are not subject to this notice requirement as they reflect real-time market conditions and are displayed before each transaction.

20. CHANGES TO TERMS

UNIGOX may amend these Terms from time to time to reflect legal or regulatory changes, new features or services, security improvements, or third-party provider changes. For material changes — including changes to fees, liability, arbitration, or data handling — UNIGOX will provide at least 30 days' advance notice by email to the address on file and by posting the updated Terms at unigox.com. Continued use of the Services after the effective date of any amendment constitutes acceptance of the updated Terms. If you do not accept updated Terms, you must stop using the Services and may close your account (Section 11.1). Minor clarifications, formatting, or non-substantive updates may be made without advance notice. You are responsible for reviewing these Terms periodically.

21. MISCELLANEOUS

21.1 Severability. If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions shall continue in full force and effect.

21.2 Waiver. UNIGOX's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

21.3 Entire Agreement. These Terms, together with our Privacy Policy and any applicable service agreements, constitute the entire agreement between you and UNIGOX regarding your use of the Services and supersede all prior agreements, representations, or understandings.

21.4 Assignment. You may not assign or transfer your rights or obligations under these Terms without UNIGOX's prior written consent. UNIGOX may assign these Terms or any rights hereunder without your consent in connection with a merger, acquisition, or sale of assets.

22. CONTACT

For legal, compliance, or general inquiries:

Canada (Fiat-side services — UNIGOX Canada)

Email: support@unigox.com

Legal name: UNIGOX NETWORK CORP.

Address: C/O Snap Incorporations, 302-540 Lawrence Avenue, Kelowna, British Columbia V1Y 6L7, Canada

Panama (Crypto-side services — UNIGOX Panama)

Email: support@unigox.com

Legal name: UNIGOX NETWORK CORP.

Address: Province of Panama, District of Panama, Betania, Via Ricardo J. Alfaro, PH The Century Tower, Office 317