Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and Crowdfund.co governing your access to and use of the Platform. By creating an account or using the Platform, you agree to be bound by these Terms and our Privacy Policy.

2. Eligibility

You must be at least 18 years old, have legal capacity to contract, and not be subject to U.S. government sanctions or appear on any OFAC watchlist. By using the Platform, you represent that you meet these requirements.

3. Description of Services

Crowdfund.co provides software infrastructure for online capital raises, including campaign management, investor onboarding and KYC, compliance workflow tools, payment processing facilitation, and escrow integration. We may also provide white-label portal infrastructure for registered funding portals and enterprise operators.

4. No Legal, Tax, or Financial Advice

Crowdfund.co is not a law firm, broker-dealer, investment adviser, funding portal, or financial institution. Nothing on the Platform constitutes legal advice, investment advice, or a recommendation to invest. Documents generated by the Platform are template-based and must be reviewed by qualified securities counsel. We do not guarantee that any campaign or offering complies with applicable law.

5. Securities Law Compliance

You are solely responsible for ensuring your offering complies with the Securities Act of 1933, Regulation Crowdfunding, Regulation A+, Regulation D, and all applicable state Blue Sky laws. Crowdfund.co does not act as a registered intermediary, broker-dealer, or funding portal. Use of our platform does not satisfy any registration or intermediary requirement under applicable securities laws.

6. KYC / AML Obligations

You agree to cooperate with all KYC and AML processes, not to knowingly onboard sanctioned or prohibited persons, and to promptly notify us of any investor who should be subject to enhanced due diligence. We reserve the right to refuse or terminate service based on screening results.

7. Account Security

You are responsible for maintaining the security of your account credentials. Enable multi-factor authentication where available. Notify us immediately at [email protected] if you suspect unauthorized access.

8. Prohibited Uses

You may not use the Platform to violate securities laws, facilitate financial crimes, defraud investors, circumvent KYC/AML processes, gain unauthorized access to systems, or resell or sublicense Platform access without written consent.

9. Fees and Payment

Fees are set forth in your plan or agreement. You authorize us to charge applicable fees. Subscription fees are non-refundable except as required by law. We may change fees with 30 days’ notice. Overdue amounts accrue interest at 1.5% per month.

10. Intellectual Property

The Platform is owned by Crowdfund.co. We grant you a limited, non-exclusive, non-transferable license to use the Platform for your internal business purposes. You retain ownership of your data and grant us a limited license to use it to provide the services.

11. Disclaimers

THE PLATFORM IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY COMPLIANCE TOOL OR DOCUMENT TEMPLATE IS LEGALLY SUFFICIENT FOR YOUR SITUATION.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CROWDFUND.CO’S LIABILITY IS LIMITED TO THE GREATER OF (A) FEES PAID IN THE PRECEDING 12 MONTHS OR (B) $100. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSSES ARISING FROM REGULATORY ACTIONS OR INVESTOR CLAIMS.

13. Indemnification

You agree to defend, indemnify, and hold harmless Crowdfund.co from any claims arising from your use of the Platform, your securities offerings, your violation of these Terms, or any investor or regulatory claim related to your conduct.

14. Dispute Resolution

Disputes shall be resolved by binding arbitration under AAA Commercial Arbitration Rules in Wilmington, Delaware. Class action and representative proceedings are waived. Either party may seek emergency injunctive relief in any court of competent jurisdiction.

15. Governing Law

These Terms are governed by the laws of the State of Delaware. For non-arbitrable matters, you consent to jurisdiction in New Castle County, Delaware.

16. Termination

Either party may terminate on 30 days’ notice. We may terminate immediately for material breach, securities law violations, fraudulent conduct, KYC/AML failure, or as required by law. Sections 4, 5, 10, 11, 12, 13, 14, and 17 survive termination. You have 30 days to export your data following termination.

17. General

These Terms are the entire agreement between us. If any provision is unenforceable, the rest remain in effect. We may update these Terms with 30 days’ notice. Continued use constitutes acceptance. You may not assign your rights without our consent. We are not liable for force majeure events.

18. Contact

• Legal: [email protected]
• General: [email protected]

These Terms should be reviewed by qualified securities counsel before relying on them for your specific business.