1.1 Eligibility: You must be at least 18 years old to use our platform. By using XSPEND, you confirm that you meet this age requirement.

1.2 Account Registration: To access certain features, you may need to create an account. You agree to provide accurate, up-to-date information and maintain the security of your account credentials.

1.3 Prohibited Activities: You may not use our platform for illegal activities, including but not limited to money laundering, fraud, or any actions that violate local, state, or federal laws.

1.4 Service Availability: While we strive to maintain uninterrupted service, XSPEND does not guarantee that the platform will be available at all times. We reserve the right to modify, suspend, or discontinue services without prior notice.

1.5 Third-Party Services: XSPEND may integrate with third-party services. We are not responsible for the actions, content, or policies of these third parties.

2.1 User Conduct: Users are expected to conduct themselves respectfully and lawfully while using XSPEND. Any abusive, fraudulent, or harmful behavior may result in account suspension or termination.

2.2 Intellectual Property: All content on XSPEND, including logos, graphics, and software, is the property of XSPEND or its licensors. You may not reproduce, distribute, or create derivative works without express permission.

2.3 Privacy: Your privacy is important to us. Please refer to our Privacy Policy for details on how we collect, use, and protect your personal information.

2.4 Updates to Terms: XSPEND reserves the right to update these Terms at any time. Continued use of the platform after changes constitutes acceptance of the revised Terms.

2.5 Governing Law: These Terms are governed by the laws of [Your Jurisdiction], and any disputes will be resolved in the courts of [Your Jurisdiction].

3.1 Deposits: You may deposit cryptocurrency into your XSPEND wallet. All deposits are subject to network confirmations and may take time to reflect in your account.

3.2 Withdrawals: Withdrawals are processed based on availability and network conditions. XSPEND reserves the right to implement withdrawal limits or require additional verification for security purposes.

3.3 Fees: Deposits and withdrawals may be subject to transaction fees. Please review the fee schedule on our platform for details.

3.4 Failed Transactions: In the event of a failed transaction, XSPEND will investigate and resolve the issue. However, we are not responsible for delays or losses caused by network issues or third-party services.

3.5 Refunds: Refunds are issued at the discretion of XSPEND and may be subject to fees or processing times.

4.1 Wallet Services: XSPEND provides a secure wallet for storing, sending, and receiving cryptocurrency. You are responsible for safeguarding your private keys and account credentials.

4.2 Trading Services: Users can buy, sell, and swap cryptocurrencies on the platform. All trades are final and cannot be reversed.

4.3 Payment Services: XSPEND allows users to make payments using cryptocurrency. Payment confirmations are subject to blockchain network times.

4.4 Utility Services: Additional services such as bill payments, airtime purchases, and data subscriptions are available on the platform. These services are provided in partnership with third-party vendors.

4.5 Service Limitations: XSPEND does not guarantee the availability or accuracy of all services and is not liable for any losses incurred as a result of service interruptions.

5.1 Termination: XSPEND reserves the right to terminate or suspend your account at any time for violations of these Terms or for any other reason deemed necessary.

5.2 User-Initiated Termination: You may close your account at any time by contacting customer support. Any remaining balance will be returned to you, subject to applicable fees.

5.3 Dispute Resolution: In the event of a dispute, we encourage users to contact our support team for resolution. If the dispute cannot be resolved, it may be subject to arbitration or legal proceedings.

5.4 Limitation of Liability: XSPEND is not liable for any indirect, incidental, or consequential damages arising from the use of our services.

5.5 Indemnification: You agree to indemnify and hold XSPEND harmless from any claims, damages, or expenses arising from your use of the platform or violation of these Terms.

6.1 Limitation of Liability: XSPEND's liability is limited to the maximum extent permitted by law. We are not responsible for any losses resulting from unauthorized access to your account or use of the platform.

6.2 Disclosures: XSPEND may disclose your information to comply with legal obligations, protect our rights, or respond to lawful requests from authorities.

6.3 No Warranty: The platform is provided "as is" without warranties of any kind, either express or implied.

6.4 Indemnification: You agree to indemnify XSPEND against any claims or liabilities arising from your use of the platform.

6.5 Force Majeure: XSPEND is not liable for delays or failures in performance resulting from circumstances beyond our control.

7.1 Legal Compliance: XSPEND may disclose your information to comply with legal obligations, court orders, or government requests.

7.2 Third-Party Service Providers: We may share your information with trusted third-party service providers to deliver our services effectively.

7.3 Fraud Prevention: Information may be disclosed to prevent fraud, protect user safety, or investigate security incidents.

7.4 Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

7.5 Consent: By using XSPEND, you consent to the disclosure of your information as outlined in this section.

8.1 Right to Amend: XSPEND reserves the right to amend these Terms at any time. Changes will be posted on the platform, and continued use constitutes acceptance of the revised Terms.

8.2 Notification of Changes: Users will be notified of significant changes via email or in-app notifications.

8.3 Effective Date: Amendments take effect immediately upon posting unless otherwise stated.

8.4 Review of Terms: Users are encouraged to review the Terms regularly to stay informed of any updates.

8.5 Disagreement with Amendments: If you disagree with any amendments, you must discontinue use of the platform.

9.1 Invalid Provisions: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

9.2 Interpretation: These Terms will be interpreted in accordance with their intent and purpose.

9.3 Waiver: Failure to enforce any provision does not constitute a waiver of that provision.

9.4 Entire Agreement: These Terms constitute the entire agreement between you and XSPEND regarding the use of the platform.

9.5 Survival: Provisions that by their nature should survive termination will remain in effect.

10.1 Customer Support: If you have questions or concerns about these Terms, please contact our customer support team.

10.2 Email: You can reach us at support@xspend.com for assistance.

10.3 Response Time: We aim to respond to all inquiries within 24-48 hours.

10.4 Feedback: We welcome your feedback and suggestions to improve our services.

10.5 Mailing Address: For formal inquiries, you can write to us at [Your Mailing Address].

11.1 Updates: XSPEND reserves the right to update these Terms periodically. All updates will be communicated through the platform.

11.2 User Responsibility: It is your responsibility to review the Terms regularly and stay informed of changes.

11.3 Acceptance: Continued use of the platform after amendments constitutes acceptance of the new Terms.

11.4 Major Changes: In the case of significant changes, users will be given advance notice and the opportunity to review the updated Terms before they take effect.

11.5 Historical Versions: Previous versions of the Terms may be available upon request for reference purposes.