Effective Date: January 2026
Last Updated: September 2025

Platform Operator: Tokengram Investment Consultants FZCO (Dubai, United Arab Emirates)

Website: https://cryptogram.vip

1. Definitions

In these Terms:

Platform — Cryptogram.vip, including the website, mobile application(s), APIs, merchant services, and related services.

User — Any individual or entity that accesses or uses the Platform.

Digital Assets — Cryptocurrencies, tokens, stablecoins, and other blockchain-based assets supported by the Platform.

Third-Party Providers — Independent licensed providers integrated into the Platform for specific regulated services (custody, on-ramp, off-ramp, payment settlement).

Custodian — A third-party service provider responsible for secure custody and key management of Digital Assets (e.g., BitGo).

On-Ramp Provider — A third-party service provider facilitating digital asset purchases using fiat (e.g., Transak for merchant checkout).

Off-Ramp Provider — A third-party service provider facilitating digital asset purchases/sales for personal wallets (e.g., MoonPay)

2. Acceptance of Terms

By using Cryptogram.vip, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must discontinue use immediately.

3. Eligibility

• Users must be at least 18 years old with legal capacity.
• Users must comply with all applicable local laws governing cryptocurrency activities.
• Cryptogram.vip may request full KYC and AML documentation at any time for compliance with international standards.

4. Regulatory and Licensing Framework

Cryptogram.vip operates as a non-custodial technology platform and aggregator.

• Cryptogram.vip does not custody Digital Assets, nor does it execute regulated services such as fiat payment processing or digital asset conversion.
• Regulated activities are performed exclusively by licensed Third-Party Providers engaged through this Platform.

Tokengram Investment Consultants FZCO (Dubai, UAE) is licensed for:

• Investment consulting
• Investment in commercial enterprises and management

Cryptogram.vip Ltd (UK) is registered for auxiliary financial intermediation and fund management activities.

5. Services Overview

Cryptogram.vip provides:

1. Non-custodial wallet interfaces
2. Transaction initiation UI/UX
3. Merchant payment APIs and pay links
4. Staking interfaces
5. Blockchain analytics and reporting

Cryptogram.vip does not:

• Hold user assets
• Manage private keys
• Guarantee exchange rates
• Process or settle fiat payments

6. Third-Party Infrastructure and Responsibilities

Cryptogram.vip integrates with licensed and certified Third-Party Providers for regulated services:

1. Custody:
   BitGo.com — Qualified digital asset custodian with relevant certifications (e.g., ISO 27001, SOC 2).
   Cryptogram.vip does not generate or control private keys and cannot move assets independently.
2. Merchant On-Ramp:
   Transak — Licensed on-ramp provider facilitating Digital Asset purchases via debit/credit cards.
   Purchased crypto for merchant payment flows is delivered to designated wallet addresses as instructed by the user or merchant.
3. Personal On/Off-Ramp
   MoonPay — Licensed provider for personal wallet buy/sell flows.
   Cryptogram.vip does not use MoonPay for merchant API flows.

Users acknowledge that these providers operate under their own Terms of Service, pricing, and compliance procedures.

7. AML / KYC Compliance

Cryptogram.vip adheres to strict AML and KYC practices. Users may be required to verify identity with government-issued ID and proof of residence.

Third-Party Providers also conduct their own AML/KYC screening.

User data is protected under GDPR, UAE data protection laws, and other applicable regulations.

8. Merchant Payment Processing Disclaimer

For merchants using “Buy & Pay Crypto via Cryptogram” features:

• Payments are processed by Transak or other integrated providers.
• Cryptogram.vip does not act as a payment processor or merchant acquirer.
• Exchange rates and network fees are determined by the integrated provider at the time of transaction.

9. User Responsibilities

Users agree to:

• Provide accurate and lawful information
• Protect their login credentials and wallet access
• Use the Platform in compliance with applicable laws

Users must not:

• Engage in illegal activity, fraud, or unauthorized access
• Use the Platform to facilitate prohibited financial services

10. Risk Disclosure

• Digital assets are volatile; values may fluctuate.
• Third-Party Providers’ services and availability may change.
• Transactions may be irreversible and involve technical or security risks.
• Cryptogram.vip is not a financial adviser, bank, insurer, or broker.

11. Fees and Pricing

Fees for wallet transactions, settlements, and third-party services are disclosed before confirmation and may include provider fees (e.g., Transak, MoonPay).

Cryptogram.vip may charge additional platform fees and promotional incentives (e.g., cashback).

12. Cashback and Promotions

• Cashback offered by Cryptogram.vip is a promotional incentive funded by Cryptogram.vip.
• Cashback does not affect third-party provider pricing.
• Cashback is subject to separate promotional terms and may be discontinued at any time.

13. Intellectual Property

All Platform content — software, trademarks, and designs — are owned by Tokengram Investment Consultants FZCO. Unauthorized use is prohibited.

14. Governance and Dispute Resolution

These Terms are governed by the laws of the United Arab Emirates. Disputes are resolved via the Dubai International Arbitration Centre (DIAC), with final binding awards.

15. Amendments

Cryptogram.vip may amend these Terms at any time with at least 15 days’ notice. Continued use constitutes acceptance of updated Terms.

16. Severability

If any provision is invalid under applicable law, remaining provisions continue in effect.

APPENDIX A — THIRD-PARTY PROVIDER TERMS & CONDITIONS

This Appendix forms an integral part of the Cryptogram.vip Terms & Conditions and governs the use of third-party services accessed through the Platform.

A.1 General Third-Party Services Disclaimer

Cryptogram.vip integrates independent third-party service providers to enable certain regulated services, including but not limited to digital asset custody, cryptocurrency on-ramp and off-ramp services, and payment processing.

Cryptogram.vip does not own, operate, control, or assume responsibility for the services provided by any third-party provider. All such services are governed by the respective provider’s own terms, policies, fees, compliance requirements, and regulatory obligations.

By accessing or using any third-party service through the Platform, Users acknowledge and agree that:

• The third-party provider acts independently of Cryptogram.vip;
• Cryptogram.vip is not a party to transactions between the User and the third-party provider;
• Cryptogram.vip bears no liability for third-party services, interruptions, pricing, settlement, or compliance decisions.

A.2 Transak — Cryptocurrency On-Ramp for Merchant Payments

Service Scope

Transak provides cryptocurrency purchase services using fiat payment methods (including debit and credit cards) and facilitates the delivery of purchased digital assets to designated wallet addresses for merchant payment purposes.

Cryptogram.vip integrates Transak solely as a technology interface and orchestration layer and does not resell, sublicense, or repackage Transak’s services.

User Acknowledgement

By proceeding with any transaction powered by Transak, Users confirm that:

• They are purchasing cryptocurrency directly from Transak, not from Cryptogram.vip;
• Transak is solely responsible for pricing, KYC/KYB, AML screening, payment processing, and transaction execution;
• The purchased digital assets may be delivered to a merchant’s designated wallet address as payment for goods or services.

Applicable Terms

All Transak-powered transactions are governed by Transak’s Terms of Service and related policies, available at:

🔗 https://transak.com/terms-of-service

Users must review and accept Transak’s Terms prior to completing any transaction.

A.3 MoonPay — Cryptocurrency On-Ramp and Off-Ramp for Personal Accounts

Service Scope

MoonPay provides cryptocurrency purchase and sale services for personal Cryptogram.vip account holders only. MoonPay is not used for merchant API integrations or business payment settlement through the Platform.

Cryptogram.vip integrates MoonPay as a third-party service provider and does not act as a broker, dealer, or payment processor.

User Acknowledgement

By using MoonPay services through the Platform, Users confirm that:

• They are transacting directly with MoonPay;
• MoonPay is responsible for pricing, KYC/KYB, AML compliance, payment processing, and fiat settlement;
• Cryptogram.vip does not guarantee transaction approval, pricing, settlement timelines, or availability of MoonPay services.

Applicable Terms

All MoonPay-powered transactions are governed by MoonPay’s Terms of Service and related policies, available at:

🔗 https://www.moonpay.com/legal/terms_of_use

Users must review and accept MoonPay’s Terms prior to completing any transaction.

A.4 Custody Provider — BitGo

Service Scope

Digital asset custody, private key management, and transaction signing infrastructure are provided by BitGo or its affiliated entities.

Cryptogram.vip does not generate, store, or control private keys and cannot unilaterally access or move Digital Assets.

User Acknowledgement

Users acknowledge that:

• Digital asset security and custody are governed by BitGo’s custodial framework;
• Cryptogram.vip is not responsible for custody operations, asset safeguarding, or transaction authorization at the custodian level.

(BitGo’s applicable legal terms may be provided separately or through the custodian onboarding process, where applicable.)

A.5 Cashback and Promotions Disclaimer

Any cashback, rewards, or promotional incentives offered through the Platform:

• Are funded solely by Cryptogram.vip;
• Are not sponsored, guaranteed, or administered by Transak, MoonPay, or BitGo;
• Do not modify, discount, or affect the pricing, fees, or settlement terms of third-party providers.

Promotions may be modified or discontinued at Cryptogram.vip’s sole discretion.

A.6 Limitation of Liability for Third-Party Services

Cryptogram.vip shall not be liable for:

• Third-party service outages, delays, or refusals;
• Pricing discrepancies or market fluctuations;
• Compliance decisions, account suspensions, or transaction reversals by third-party providers;
• Any losses arising from the use of third-party services.

Users agree to pursue claims relating to third-party services directly with the relevant provider.

A.7 Acceptance

By continuing to use the Platform, Users acknowledge that they have read, understood, and agreed to this Appendix and the applicable third-party provider terms referenced herein.

API TERMS OF SERVICE

(Developer & Partner Edition)

Effective Date: January 2026
Last Updated: September 2025

Platform Operator: Tokengram Investment Consultants FZCO
Website: https://cryptogram.vip
Contact: legal@cryptogram.vip

1. Purpose and Scope

These API Terms of Service (“API Terms”) govern access to and use of the Cryptogram.vip APIs, SDKs, webhooks, and related developer tools (collectively, the “API Services”).

These API Services are designed to enable merchants, developers, and partners (“Developers”) to integrate cryptocurrency payment initiation, wallet interaction, and transaction orchestration features into their own websites, applications, or systems.

By accessing or using the API Services, you agree to be bound by these API Terms, the Cryptogram.vip Terms & Conditions, and the Privacy Policy.

2. Nature of Cryptogram.vip API Services

Cryptogram.vip provides technology infrastructure only.

The API Services:

• Enable payment orchestration and transaction routing
• Facilitate user-initiated cryptocurrency payments
• Provide wallet interaction interfaces
• Offer reporting and reconciliation data

Cryptogram.vip does NOT:

• Custody digital assets
• Generate, store, or control private keys
• Execute cryptocurrency purchases or sales
• Process fiat payments
• Act as a payment processor, broker, or merchant of record
• Guarantee settlement, pricing, or liquidity

3. Third-Party Service Dependency

Certain API-enabled features rely on independent third-party providers, including but not limited to:

• Transak — cryptocurrency on-ramp for merchant checkout flows
• MoonPay — cryptocurrency on/off-ramp for personal user accounts
• BitGo — qualified digital asset custody and key management

Developers acknowledge that:

• Regulated services are provided directly by third-party providers
• End users must accept the applicable third-party Terms of Service
• Cryptogram.vip is not responsible for third-party pricing, approvals, compliance decisions, or service availability

4. Developer Eligibility & Compliance

To use the API Services, Developers must:

• Be a legally registered business or authorized individual
• Comply with all applicable laws and regulations
• Complete any required KYB or compliance review
• Use the API Services solely for lawful purposes

Cryptogram.vip reserves the right to suspend or terminate API access at any time for compliance, security, or risk reasons.

5. Permitted Use

Developers MAY use the API Services to:

• Enable end users to initiate crypto payments
• Integrate “Buy & Pay Crypto via Cryptogram” checkout flows
• Display transaction status and confirmations
• Route crypto payments to designated wallet addresses
• Access reporting and reconciliation data

6. Prohibited Use (STRICT)

Developers MUST NOT:

• Represent Cryptogram.vip as selling cryptocurrency
• Resell, sublicense, or white-label third-party on/off-ramp services
• Act as a payment processor or financial intermediary
• Pool or hold customer funds
• Guarantee exchange rates or settlement
• Bypass or obscure third-party KYC/AML processes
• Use the API for illegal, deceptive, or high-risk activities

Violation of this section may result in immediate termination of API access.

7. Merchant Checkout & End-User Disclosure Requirements

Developers integrating merchant checkout flows must clearly disclose to end users that:

• Cryptocurrency purchases are executed by licensed third-party providers
• Cryptogram.vip provides only the technical interface
• End users transact directly with the third-party provider
• Provider Terms of Service apply

Cryptogram.vip may require specific disclosure language to be displayed in Developer applications.

8. Fees, Pricing & Cashback

• API usage fees may apply and will be disclosed separately
• Third-party provider fees are determined independently
• Any cashback or incentives offered by Cryptogram.vip:
  • Are promotional in nature
  • Are funded solely by Cryptogram.vip
  • Do not alter third-party pricing or fees

9. Security & API Credentials

Developers are responsible for:

• Protecting API keys and secrets
• Implementing appropriate security measures
• Preventing unauthorized API access

Cryptogram.vip may rotate credentials or suspend access in the event of suspected misuse or breach.

10. Data Protection & Privacy

Developers must:

• Comply with applicable data protection laws (GDPR, UAE PDPL, etc.)
• Handle personal data lawfully and securely
• Not misuse or retain data beyond permitted purposes

Cryptogram.vip’s Privacy Policy governs data handling on the Platform.

11. Availability & Service Levels

API Services are provided on an “as-is” and “as-available” basis.

Cryptogram.vip does not guarantee:

• Uptime
• Transaction completion
• Settlement timing
• Third-party service availability

Maintenance, upgrades, or outages may occur without prior notice.

12. Intellectual Property

Cryptogram.vip retains all rights to:

• APIs
• SDKs
• Documentation
• Software
• Trademarks

Developers receive a limited, non-exclusive, revocable license to use the API Services solely in accordance with these API Terms.

13. Limitation of Liability

To the maximum extent permitted by law:

• Cryptogram.vip is not liable for indirect, incidental, or consequential damages
• Cryptogram.vip is not liable for losses arising from:
  • Third-party provider actions
  • Market volatility
  • Network failures
  • Regulatory changes

Developers agree to indemnify Cryptogram.vip against claims arising from misuse of the API Services.

14. Termination

Cryptogram.vip may suspend or terminate API access:

• For breach of these API Terms
• For compliance or regulatory reasons
• For security or risk management purposes

Upon termination, Developers must cease API usage immediately.

15. Governing Law & Dispute Resolution

These API Terms are governed by the laws of the United Arab Emirates.

Any disputes shall be resolved through Dubai International Arbitration Centre (DIAC), with proceedings conducted in English.

16. Amendments

Cryptogram.vip may update these API Terms at any time. Continued use of the API Services constitutes acceptance of updated terms.

17. Contact

For API or legal inquiries:

📧 legal@cryptogram.vip
📧 developers@cryptogram.vip