1. Acceptance of Terms
By accessing and using SYSTM's website, services, and products (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our Services. We reserve the right to modify these Terms at any time. Your continued use of the Services following any changes constitutes your acceptance of the new Terms.
2. Description of Services
SYSTM VENTURES LTD provides an agentic treasury management platform that includes:
- Agentic Treasury Management: AI-driven financial operations and cash flow optimization
- Stablecoin Operations: Wallet management, yield generation, and stablecoin transactions
- Financial Co-Pilot: Automated financial advisory, expense tracking, and cash forecasting
- WhatsApp Interface: Access to services via WhatsApp messaging
- Payment Services: Business debit cards, transfers, and currency exchange
- Accounting Integration: Automated transaction logging and accounting synchronization
Our Services are provided on an "as-is" basis. We may modify, suspend, or discontinue any Service at any time with notice.
3. Eligibility
To use our Services, you must:
- Be at least 18 years of age (or the age of majority in your jurisdiction)
- Be a business entity, sole proprietor, or individual authorized to enter into binding agreements
- Not be located in a jurisdiction where our Services are prohibited by law
- Not be subject to sanctions or restrictions by any government or regulatory body
- Comply with all applicable laws and regulations in your jurisdiction
We reserve the right to refuse service to anyone who does not meet these eligibility requirements.
4. Account Registration and Security
To use certain Services, you must create an account and provide accurate, complete, and current information. You are responsible for:
- Maintaining the confidentiality of your account credentials
- Preventing unauthorized access to your account
- Notifying us immediately of any unauthorized use or security breach
- All activities that occur under your account
We are not liable for any loss or damage resulting from your failure to maintain account security.
5. Use of Services
5.1 Permitted Use
You may use our Services only for lawful purposes and in accordance with these Terms. You agree to:
- Use the Services only for your own business or personal financial management
- Comply with all applicable laws, regulations, and regulatory requirements
- Provide accurate and truthful information
- Maintain the security of your account
5.2 Prohibited Activities
You agree not to:
- Use the Services for illegal activities, fraud, or money laundering
- Engage in market manipulation, insider trading, or securities violations
- Attempt to gain unauthorized access to our systems or other users' accounts
- Reverse engineer, decompile, or attempt to derive the source code of our platform
- Use automated tools, bots, or scrapers without authorization
- Harass, threaten, or abuse other users or our staff
- Transmit viruses, malware, or harmful code
- Violate intellectual property rights or third-party rights
- Use the Services to facilitate sanctions evasion or circumvent regulatory requirements
6. Financial Services Disclaimer
IMPORTANT: Please read this section carefully.
6.1 Not a Bank
SYSTM is not a bank, financial institution, or money transmitter. We do not hold banking licenses. Your funds may be held by third-party custodians or blockchain networks, not by SYSTM directly.
6.2 Not Financial Advice
Nothing in our Services constitutes financial, investment, tax, or legal advice. Our Financial Co-Pilot provides automated suggestions based on your data, but these are not personalized financial advice. You should consult with qualified financial, tax, and legal professionals before making financial decisions.
6.3 Cryptocurrency and DeFi Risks
Our Services involve cryptocurrency, stablecoins, and decentralized finance (DeFi) protocols. You acknowledge and accept the following risks:
- Volatility: Cryptocurrency and stablecoin values can fluctuate rapidly
- Smart Contract Risk: DeFi protocols rely on smart contracts, which may contain bugs or vulnerabilities
- Regulatory Risk: Cryptocurrency regulations are evolving and may change unfavorably
- Counterparty Risk: Third-party custodians, exchanges, and protocols may fail or be compromised
- Irreversible Transactions: Blockchain transactions are generally irreversible
- Loss of Access: Loss of private keys or account access may result in permanent loss of funds
6.4 No Guarantees
We do not guarantee any specific yield, returns, or financial outcomes. Yield rates are variable and subject to market conditions. Past performance does not guarantee future results.
7. Intellectual Property
All content, features, and functionality of our Services, including but not limited to software, design, text, graphics, and logos, are the exclusive property of SYSTM or our licensors and are protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable license to use the Services for your personal or business use. You may not:
- Reproduce, distribute, or transmit any content without permission
- Modify, adapt, or create derivative works
- Remove or alter any proprietary notices or labels
8. User Content and Data
You retain ownership of any content you submit to our Services. By submitting content, you grant SYSTM a worldwide, royalty-free license to use, reproduce, modify, and distribute your content for the purpose of providing and improving our Services.
You are responsible for the accuracy, legality, and non-infringement of any content you submit. We are not responsible for user-generated content and may remove content that violates these Terms.
9. Third-Party Services
Our Services integrate with third-party platforms and services, including:
- WhatsApp (Meta): For messaging and communication
- Blockchain Networks: Ethereum, Polygon, and other blockchain protocols
- Payment Processors: For card issuance and payment processing
- Custodians and Exchanges: For asset custody and trading
We are not responsible for the availability, accuracy, or security of third-party services. Your use of third-party services is governed by their terms of service and privacy policies. We recommend reviewing these policies before using integrated services.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- SYSTM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
- OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID TO SYSTM IN THE 12 MONTHS PRECEDING THE CLAIM, OR £100, WHICHEVER IS GREATER
- SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY, SO THESE LIMITATIONS MAY NOT APPLY TO YOU
11. Indemnification
You agree to indemnify, defend, and hold harmless SYSTM, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your use of the Services
- Your violation of these Terms
- Your violation of any applicable law or regulation
- Your infringement of any third-party rights
- Any content you submit or transmit
12. Termination
We may terminate or suspend your account and access to the Services immediately, without notice or liability, for any reason, including:
- Violation of these Terms
- Suspected fraud or illegal activity
- Regulatory or legal requirements
- Inactivity or non-use
Upon termination, your right to use the Services ceases immediately. We will make reasonable efforts to return your funds, but are not liable for any loss or delay in doing so.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law principles. You irrevocably submit to the exclusive jurisdiction of the courts of England and Wales.
14. Dispute Resolution
Before initiating legal proceedings, you agree to attempt to resolve any dispute through good faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration or litigation in the courts of England and Wales, as permitted by law.
15. Changes to Terms
We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of the Services following notification constitutes your acceptance of the modified Terms.
16. Contact Us
If you have questions about these Terms of Service or wish to report a violation, please contact us:
- Company: SYSTM VENTURES LTD
- Company Number: 17015779
- Registered Office: 48-49 Princes Place, London, United Kingdom, W11 4QA
- Email: hello@systm.xyz
- Website: https://systm.xyz