Terms of Use

1. Acceptance and Scope of the Terms

By accessing or using the website or any service provided by YP Financial OÜ, you agree to be bound by these Terms of Use. These Terms govern your access to the site, applications, and all related services operated. If you do not agree with any part of these Terms, you must not use the website or its services. YP Financial OÜ reserves the right to update or modify these Terms at any time, and continued use after such changes constitutes acceptance of the updated version.

2. Use of the Website and Services

The website and related services are intended solely for lawful use by individuals and businesses who meet the eligibility and verification requirements established by YP Financial OÜ. Users must not misuse the platform, attempt unauthorized access, or engage in any activity that could disrupt its operation. Access to certain features or financial services may require identity verification (KYC/KYB) and compliance with applicable regulations. YP Financial OÜ may restrict or suspend access if misuse or non-compliance is detected.

3. Accuracy and Updates of Information

YP Financial OÜ strives to ensure that all information provided on this website is accurate, complete, and up to date. However, certain content may contain technical inaccuracies, typographical errors, or omissions. The company does not guarantee the absolute accuracy or reliability of any information and may modify or update the content at any time without prior notice. Users are responsible for verifying the information before relying on it for decisions related to financial or business activities.

4. Limitations, Errors, and Content Responsibility

YP Financial OÜ is not responsible for any errors, omissions, or inaccuracies in the website's content. Information, materials, or tools provided are for general informational purposes and should not be considered financial, legal, or investment advice. The company may correct or remove content at its discretion without prior notice. Users acknowledge that they access and use the website at their own risk and that YP Financial OÜ shall not be liable for any damages resulting from reliance on published information.

5. Registration, Verification, and Regulatory Compliance (KYC/KYB/AML)

To access certain financial or operational services, users must complete identity and business verification in accordance with Know Your Customer (KYC) and Know Your Business (KYB) procedures. YP Financial OÜ complies with all Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations under Estonian and EU law. Users agree to provide accurate and verifiable information and authorize YP Financial OÜ or its partners to perform necessary compliance checks. Failure to complete verification or meet regulatory standards may result in restricted or denied access to services.

6. Fees, Commissions, and Payment Conditions

YP Financial OÜ may charge fees or commissions for certain services provided through its platforms. All applicable rates are communicated before a transaction is executed and may vary depending on the service, volume, or currency involved. Fees may be included within the exchange rate or displayed separately. Users are responsible for reviewing and accepting these charges before proceeding. Payments must be made using approved methods, and all transactions are final unless otherwise required by law or regulatory obligation.

7. Intellectual Property and License of Use

All content, trademarks, designs, software, and materials available on this website are the exclusive property of YP Financial OÜ or its licensors. Users are granted a limited, non-transferable, and non-exclusive license to access and use the website solely for lawful purposes related to its services. Any reproduction, modification, distribution, reverse engineering, or unauthorized commercial use of the platform or its content is strictly prohibited. Nothing in these Terms grants ownership or intellectual property rights to the user.

8. Unauthorized or Restricted Activities

Users must not use the website or its services for any unlawful, fraudulent, or abusive purpose. This includes activities such as attempting to gain unauthorized access to systems, manipulating transactions, violating sanctions, or using the platform for money laundering, terrorist financing, or other prohibited conduct. The use of automated tools, bots, or scripts to interfere with website functionality is also forbidden. YP Financial OÜ reserves the right to suspend or terminate access immediately if any restricted or suspicious activity is detected.

9. Integration with Third-Party Platforms and Services

YP Financial OÜ may collaborate with regulated third-party providers, or others to deliver certain functionalities, including onboarding, payment processing, or wallet operations. By using the platform, users acknowledge that their data may be securely shared with these partners solely for service execution and compliance purposes. YP Financial OÜ is not responsible for the availability, accuracy, or actions of third-party systems and assumes no liability for damages arising from their performance or interruptions.

10. Data Protection and Privacy (GDPR Compliance)

YP Financial OÜ processes personal and business data in accordance with the EU General Data Protection Regulation (GDPR) and applicable Estonian privacy laws. Collected information is used exclusively for service delivery, regulatory compliance, and user verification. Data is stored securely, shared only with authorized partners, and never sold to third parties. Users have the right to access, correct, or request deletion of their data as outlined in the company's Privacy Policy. By using the website or related services, users consent to the collection and processing of their data under these terms.

11. Financial Risks and Warranty Disclaimer

The services provided by YP Financial OÜ, including currency exchange and digital asset transactions, may involve market volatility and financial risk. Users acknowledge that exchange rates, blockchain network conditions, and liquidity factors can fluctuate beyond the company's control. YP Financial OÜ provides all information and services "as is" and makes no warranties, express or implied, regarding accuracy, performance, or availability. The company does not guarantee profits or value preservation and is not liable for any financial loss arising from user decisions or market movements.

12. Limitation of Liability and Indemnification

YP Financial OÜ shall not be liable for any indirect, incidental, or consequential damages arising from the use or inability to use its website or services, including but not limited to loss of profits, data, or reputation. The company's total liability, if any, shall not exceed the total amount of fees paid by the user for the specific service in question. Users agree to indemnify and hold harmless YP Financial OÜ, its directors, employees, and partners from any claims, damages, or expenses resulting from the user's violation of these Terms, misuse of the services, or breach of applicable laws.

13. Account Suspension, Restrictions, or Termination

YP Financial OÜ reserves the right to suspend, limit, or terminate a user's account or access to its services at any time, with or without prior notice, if there is suspicion of fraud, non-compliance with regulations, breach of these Terms, or misuse of the platform. Users may also request voluntary account closure by contacting the company through official support channels. Upon termination, all pending transactions may be reviewed or cancelled in accordance with applicable laws and internal compliance procedures. Any obligations or liabilities incurred before termination will remain in effect.

14. Severability, Validity, and Amendments to the Terms

If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions shall remain fully effective. YP Financial OÜ may modify or update these Terms at any time to reflect regulatory changes, product updates, or operational needs. Updated versions will be published on the official website and take effect immediately upon posting. Users are responsible for reviewing the Terms periodically, and continued use of the website or services constitutes acceptance of any revisions.

15. Governing Law, Jurisdiction, and Contact Information

These Terms are governed by the laws of Estonia, without regard to conflict of law principles. Any dispute arising from the use of the website or services shall be resolved exclusively in the competent courts of Tallinn, Estonia. Users agree to submit to this jurisdiction for all legal proceedings related to these Terms.

For any questions, complaints, or legal correspondence, users may contact YP Financial OÜ at: