The concepts used in the regulations are given the following meaning:

1) Gateway - graphical user interface element located in the Operator's Service, enabling conclusion of a Virtual Currency purchase agreement, under the terms specified in the Terms and Conditions, to which the Operator has exclusive rights.

2) Consumer – natural person making a legal transaction not directly related to their business or professional activity.

3) Offer - offer within the meaning of Article 66 of the Act of April 23, 1964 Civil Code addressed to the User.

4) Operator – entity providing Services, which is the company under the name Virtuconnect sp. z o.o. with its seat in Warsaw, address: ul. Świeradowska 47, 02-662 Warsaw, registered in the Register of Entrepreneurs of the National Court Register by the District Court for the Capital City of Warsaw in Warsaw, XIII Commercial Department of the National Court Register under number KRS: 0001127883, NIP: 5214086639, REGON: 529695107, share capital PLN 5,000.

5) Fees - fees for Transaction execution; calculated as the amount of Virtual Currency or FIAT Currency contained in the purchase Offer presented in the Gateway, consisting of: a) Transaction Fee - fee for payment intermediation service providers and exchange fees related to Transaction execution; b) Commission - remuneration for Transaction execution.

6) Anti-Money Laundering Regulations – currently applicable regulations governing issues related to anti-money laundering and terrorist financing, in particular the Act of March 1, 2018 on counteracting money laundering and terrorist financing.

7) Terms and Conditions – these Terms and Conditions of the RampPay Service.

8) GDPR – Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation).

9) Service – Operator's website available at: https://ramppay.net/, enabling, among others, the use of Services.

10) Transaction - execution of offers leading to the purchase of Virtual Currency on behalf of Users.

11) Services – services specified in § 2 paragraph 2 of the Terms and Conditions.

12) User – person who uses or intends to use the Service.

13) Virtual Currency - Virtual Currency within the meaning of Article 2 paragraph 2 point 26 of the Act of March 1, 2018 on counteracting money laundering and terrorist financing; virtual currencies available within the Gateway, i.e., digital representation of value that is not: legal tender issued by the National Bank of Poland, foreign central banks or other public authorities; international settlement unit established by an international organization and accepted by individual countries belonging to that organization or cooperating with it; electronic money within the meaning of the Act of August 3, 2011 on payment services, financial instrument within the meaning of the Act of July 4, 2005 on trading in financial instruments; bill of exchange or check - and is exchangeable in economic circulation for legal tender and accepted as a medium of exchange, and can also be stored or transferred electronically or can be the subject of electronic commerce.

1) Terms and Conditions defines the principles of providing electronic services by the Operator.

2) Services provided within the Service described in the Terms and Conditions consist of the possibility of purchasing virtual currencies through Service functionality, i.e., purchasing virtual currencies through the Gateway.

3) Details and conditions and conditions for providing Services not regulated in the Terms and Conditions, but provided within the Service functionality, are defined in separate terms and conditions that must be accepted by the User before using them.

4) The Operator provides Services to the User under the terms specified in the Terms and Conditions.

5) User, who can use the Services is exclusively:

a) natural person having full capacity for legal acts within the meaning of the Act of April 23, 1964 - Civil Code, and who has reached 18 years of age,

b) legal person and organizational unit without legal personality provided they have capacity for legal acts,

after prior acceptance of the Terms and Conditions and meeting other requirements specified in the Terms and Conditions.

6) The condition for using the Service is familiarizing oneself with the Terms and Conditions and accepting their content, as well as familiarizing oneself with and observing by the User the Privacy Policy published in the Service at: https://ramppay.net/privacy-policy.

7) Using the Service is entirely voluntary.

8) The Service's IT system constitutes a set of IT equipment and software, and its task is to provide, process and store, as well as send and receive data through telecommunications networks.

9) The Service (excluding virtual currency logos, tokens and other logos to which third parties have rights), including in particular all source codes, graphic signs constitute intellectual property of the Operator or third parties and any copying, disposing and using without the consent of the Operator or appropriate third parties is prohibited.

10) Within the provided Services, the Operator does not provide payment processing services, i.e., payment services within the meaning of the Act of August 19, 2011 on payment services. All payments required for proper execution of Services are carried out through external entities cooperating with the Operator.

11) Principles and conditions regarding the provision of payment services referred to in paragraph 10 above are regulated by separate agreements and terms and conditions applicable to indicated operators, which bind Users using these services, over whose content the Operator has no real influence and which thus remain beyond its control.

1) For proper use of the Service by the User, the following are required:

a) personal computer or mobile device with Internet access,

b) operating system with graphical environment, e.g., Windows, Mac OS, Linux, or phone equipped with Android or iOS system – updated to the latest version – with Internet access,

c) web browser in the latest version, supporting encrypted SSL connections, JavaScript applications and cookies.

2) Due to technological changes, technical requirements referred to in paragraph 1 above may change, in particular higher or updated versions may replace existing software. Changes in the aforementioned technical requirements constitute changes to the Terms and Conditions.

3) The Operator is not responsible for possible disruptions caused by events beyond the Operator's control, including in particular technical interruptions in Service operation caused by force majeure, unauthorized actions of third parties and Users or resulting from incompatibility of the Service with the User's technical infrastructure.

4) The Operator makes every effort to ensure uninterrupted operation of the Service. However, the Operator has the right to suspend Service operation, particularly in case of necessity to update Service software or occurrence of circumstances preventing proper Service operation. The Operator will make every effort to ensure that Service interruption in such situation is as short as possible.

5) Responsibility for ensuring that owned computer equipment, end device or used IT or telecommunications system are fully compatible with the Service rests solely on the User, as an entity that should possess devices suitable for using the Service.

6) The Operator reserves the right to temporarily suspend or terminate operation of specific Service functionalities if necessary to maintain stability or improve technical infrastructure operation. Such actions may include maintenance, inspection or expansion of technical base. Users will be informed in advance about planned technical interruptions, and the Operator will make efforts to indicate expected date and time of such work.

7) In case of requirements resulting from applicable legal provisions or special circumstances, the Operator may limit access to all or part of Service functionality. Such limitations may concern both specific territories and individual Users.

8) The Operator is not responsible for any services, applications or wallets that the User uses to store virtual currencies outside the Service infrastructure. This also applies to wallets and services used to execute virtual currency transfers to or from the Service, unless they are an integral part of infrastructure provided by the Operator.

1) Taking into account the obligations specified in Anti-Money Laundering Regulations, the Operator may verify the User's identity based on identity document and resulting personal data, taking into account prior provision of required data specified in paragraph 2 below.

2) As part of the verification referred to in paragraph 1 above, the Operator may require the following information:

a) in case of User being a natural person: I. first and last name, II. citizenship, III. Universal Electronic System for Registration of Population (PESEL) number or, if the User was not assigned a PESEL number, date of birth, IV. residential address, V. if the User is a natural person conducting business activity, additionally full name of conducted activity, tax identification number (NIP) and address of main place of business activity.

b) in case of User being a legal person or organizational unit without legal personality: I. full name of activity, II. organizational form, III. address of seat or address of conducting activity IV. NIP or, in case of lack of such number, country of registration, commercial register and number and date of registration V. identification data referred to in letter a points I and III above, of person representing this legal person or organizational unit without legal personality

c) identification data of Beneficial Owner within the scope indicated in letter a point I above,

d) identification data of person authorized to act on behalf of the User within the scope indicated in letter a points I-IV above,

e) other data required by the Operator and necessary for service provision, including ensuring appropriate security level: I. phone number, which will then be confirmed, serving for communication, particularly in connection with sending SMS messages containing one-time verification codes by the Operator, II. Bank Account numbers owned by the User and within which virtual currency exchanges ordered by the User will be executed.

3) For Users acting through a representative – providing by the representative performing registration in the Service the source of their authorization (e.g., statutory authorization, power of attorney) to act on behalf and for the benefit of the given User. The Operator may demand disclosure of documents confirming the data referred to above.

4) The User, to confirm the data specified above, sends an identity document containing current data indicated in an extract from the appropriate register or other documents, data or information from a reliable and independent source.

5) The Operator may ask the User to additionally send a photo of the identity document, taken in such a way that both the User's face and identity document are visible (so-called selfie), or possibly for telephone contact or connection with the User via video communicator (e.g., Skype, Google Meet).

6) The User is also obligated to:

a) make statements regarding the legality of fund origin,

b) make a statement that they are not a person holding a politically exposed position within the meaning of Article 2 paragraph 2 point 11 of the Act of March 1, 2018 on counteracting money laundering and terrorist financing – nor a family member or close associate of such person.

7) In case of lack of positive verification referred to in paragraphs 2-5, that is, when it does not allow confirmation of authenticity and compliance of data referred to in paragraph 2, the User cannot use Services until confirmation of authenticity and compliance of such data.

8) Before conducting positive identity verification, the User has no possibility to use Service functions.

9) The Operator may at any stage of Service use by the User demand re-sending of information indicated above, as well as may demand other information than described in paragraph 2 to fulfill obligations incumbent on the Operator related to Anti-Money Laundering Regulations.

10) The User, by accepting the Terms and Conditions and starting to use Services, consents to the Operator's application of measures compliant with Anti-Money Laundering Regulations – both at national and European levels.

1) Access to Services is provided through the Service.

2) The Operator is not responsible for possible damages resulting from using the Service through external applications, unsecured devices or public networks, which the User uses at their own risk.

1) In case of identifying higher risk of money laundering or terrorist financing, as well as in cases specified in Anti-Money Laundering Regulations, the Operator may apply enhanced financial security measures.

2) The Operator has the right to suspend a transaction within the Service if it suspects that funds originate from illegal sources. The Operator in the indicated situation may report the matter to law enforcement and judicial authorities.

3) If doubts concern the true owner of funds, the Operator may suspend the transaction and deposit funds until the matter is clarified by appropriate authorities.

4) In case a transaction is suspended as a result of violation of Terms and Conditions provisions by the User or Anti-Money Laundering Regulations, the User has no right to pursue any claims against the Operator, including demanding compensation for possible lost benefits.

5) The Operator will return funds to the owner after establishing the identity of the owner of monetary funds or virtual currencies.

6) These procedures also apply to transactions made on behalf of third parties, with the requirement to verify their data and power of attorney.

1) The Operator is an obligated entity in accordance with the Act on counteracting money laundering and terrorist financing of March 1, 2018 (hereinafter: "AML Act").

2) Under the provisions of this act, the Operator implements financial security measures specified in Article 34 of the AML Act and acts with due diligence, fulfilling obligations arising from legal provisions.

3) In accordance with Article 35 paragraph 1 points 1, 2, 5 and 6 of the AML Act, the Operator identifies and verifies the identity of Users before transaction execution.

4) In case of inability to apply financial security measures specified in the AML Act, the Operator will refuse to conduct the transaction and may terminate business relations with the User.

5) The Operator may apply simplified financial security measures in situations provided for in Article 42 of the AML Act.

6) In cases indicated in Article 43 of the AML Act, the Operator implements enhanced financial security measures, including video verification for additional confirmation of User identity and analysis of fund origin sources.

7) The Operator undertakes actions aimed at ensuring the legality of operations performed by Users, while respecting their right to privacy and personal data protection.

8) The Operator has developed an internal procedure regarding counteracting money laundering and terrorist financing in accordance with AML Act requirements.

9) In accordance with Article 34 paragraph 4 of the AML Act, the Operator has the right to make electronic copies of Users' identity documents, which is implemented as part of the data retention obligation. These documents are stored exclusively in electronic form and secured against access by unauthorized persons.

1) The Gateway is a tool enabling the User to purchase and sell Virtual Currencies indicated in the system in exchange for FIAT currency under the terms specified in the Terms and Conditions.

2) Using the Gateway is voluntary.

3) To use the Gateway, the User must consent to the Terms and Conditions provisions by accepting them, thereby concluding an agreement whose subject is performing Transactions for the User under the terms specified in the Terms and Conditions.

4) In case of using the option to purchase Virtual Currencies for FIAT currency, the User purchases Virtual Currencies from the Service Provider at the current exchange rate, and then the Service Provider transfers Virtual Currencies to the wallet address indicated by the User.

5) In exchange for Transaction execution, the User will pay the Service Provider the due Transaction Fee and Commission in the amount indicated in the Offer. All Fees are already included in the amount presented in the Offer.

1) The User, according to their choice, may purchase Virtual Currency in two amount thresholds, namely:

a) for an amount not exceeding EUR 1,000 converted according to the NBP average exchange rate for the specific Transaction day,

b) for an amount exceeding EUR 1,000 up to EUR 2,000 converted according to the NBP average exchange rate for the specific Transaction day.

2) The limit indicated above applies to a single Transaction or total amount of Transactions made by the User within a 24-hour period.

3) For Transactions not exceeding EUR 1,000, the User verification procedure referred to in § 4 is not required.

4) For some Transactions, it may be necessary for the User to undergo verification procedure regardless of the Transaction amount, i.e., if such procedure is required under the AML act.

5) To execute a purchase Transaction exceeding EUR 1,000, User identity verification is required before the first Transaction. Verification is performed by the Operator. For this purpose, the User should provide data referred to in § 4.

6) Transaction execution, regardless of Transaction amount, begins with the User submitting a quotation request in the Gateway. The User submits a quotation request indicating the amount of funds expressed in Polish zloty (PLN) that they want to allocate for Virtual Currency purchase or the amount of Virtual Currency they want to purchase.

7) Based on the quotation request submitted by the User and taking into account Virtual Currency purchase conditions, the User may purchase Virtual Currency.

8) Based on the quotation request entered by the User and taking into account the current exchange rate, the Gateway displays the amount of Virtual Currency that the User can transfer to the indicated wallet or the amount (in PLN) that the User must spend on purchase if they indicate in the Gateway the amount of Virtual Currency they want to buy.

9) Information presented in the Gateway after the User submits an Offer is binding for a specified time ("Offer Validity Period"). To finalize the Transaction according to information provided in the Gateway, the User must provide necessary data and make payment within 15 minutes.

10) The User transfers funds intended for Virtual Currency purchase using payment intermediary services.

11) After the Offer validity period expires, the indicated values will be recalculated taking into account the entered quotation request and current exchange rate on the Virtual Currency market.

12) Due to significant volatility of Virtual Currency values, final Offer verification occurs when funds intended for Virtual Currency purchase are transferred to the payment intermediary account.

13) The User accepts that:

a) bears the cost of Transaction Fee,

b) the final amount of Virtual Currency that the User will receive as a result of the Transaction will be reduced by Fees.

14) The purchase Transaction will be executed immediately after approval of the User's offer and payment of funds by them.

15) In case of Virtual Currency purchase Transaction: Virtual Currencies are transferred to the wallet indicated by the User within the Gateway functionality.

16) Transaction finalization occurs no later than 1 day after its order.

17) After completing the Transaction, the User will receive confirmation of the amount of purchased Virtual Currency along with purchase price information at the email address provided in the Gateway.

1) By submitting a Transaction execution order, the User declares that monetary funds (FIAT currencies) intended for Transaction execution constitute their property and they are authorized to dispose of them. The Transaction does not take effect if monetary funds or Virtual Currencies that are the subject of the Transaction do not belong to the User.

2) The Transaction will not be executed if:

a) applied financial security measures indicate violation or probability of violation of the AML Act or other Anti-Money Laundering Regulations,

b) initiated Transactions are suspended pending clarification,

c) the User has not met requirements specified in the Terms and Conditions or Service Terms and Conditions,

d) the obligation to refuse Transaction execution results from provisions of the AML Act or other legal act or court ruling or decision of other competent authority,

e) monetary funds intended for Transaction execution do not belong to the User,

f) inability to execute the Transaction by the Service Provider results from the necessity to fulfill obligations arising from applicable legal provisions.

3) The Transaction will not be executed if the User makes payment:

a) after the Offer Validity Period expires and due to Virtual Currency rate change, purchase or sale of Virtual Currency in the amount presented in the Gateway under conditions specified in the Offer Validity Period will not be possible,

b) smaller than the amount approved by the User when entering data into the Gateway.

4) In the case referred to in paragraph 3 above, as well as when applied financial safeguards prevented the Transaction from being completed, while there are no grounds for notifying the General Inspector of Financial Information or other competent authorities, funds paid by the User will be returned in an amount reduced by the Transaction Fee or upon written request of the User addressed to Virtuconnect sp. z o.o., the Transaction will be executed at the current Virtual Currency rate. If the application of safeguards by the Operator proves unjustified, purchased Virtual Currencies will be transferred according to the User's Terms and Conditions - to the wallet address provided by the User in the Gateway.

5) Additionally, the Transaction is not executed:

a) in case of Transaction consisting of the User not providing the Wallet address that the User owns,

b) after payment transfer, the User cannot withdraw from the Transaction, and the Operator has no legal or technical possibility to withdraw or reverse the Transaction.

The right to withdraw from a distance contract does not apply to the User if the service has been fully performed with the express consent of the consumer who was informed before the start of performance that after the entrepreneur fulfills the performance, they will lose the right to withdraw from the Contract (Article 38 point 1 of the Act of May 30, 2014 on consumer rights).

Acceptance of the Terms and Conditions by the User is tantamount to acknowledging that:

a) they know the risk of investing in virtual currencies and are aware that one element of this risk is the possibility of losing all invested financial funds as a result of changes in virtual currency rates;

b) they acknowledge that the Operator does not engage in rate manipulation in the Service – is not a Market Maker.

1) The User is obligated to refrain from performing any unlawful actions while using the Service, particularly:

a) using the Service and Services directly or indirectly for purposes contrary to law, Terms and Conditions, good practices or commonly accepted principles of Internet use;

b) using the Service in a manner that violates the rights of the Operator or third parties;

c) providing to or through the Operator's IT system data causing disruption or overload of the Operator's IT system or third parties directly or indirectly participating in Service provision.

2) The Operator is not responsible for damage suffered by the User or third party resulting from the User's failure to fulfill obligations arising from the Terms and Conditions and legal provisions, or other unlawful actions of the User.

1) The Operator is not responsible for: (i) delays in displaying the Service on devices used by the User, (ii) transaction registration time (iii) financial losses incurred by Users resulting from inability to conduct transactions through the Service during technical break, (iv) technical problems or limitations, including data transmission speed of computer equipment, end device, IT system and telecommunications infrastructure used by the User, which prevent the User from using the Service, (v) consequences of using the Service by the User in a manner contrary to applicable law, Terms and Conditions or accepted principles of social coexistence or customs, (vi) deletion of data entered by Users into the Service IT system by IT systems beyond the Operator's control.

2) The User is obligated to repair all damages arising from their actions to the detriment of the Service or other Users, or violating applicable legal provisions.

3) Each User uses Services at their own risk, which does not exclude or limit the Operator's liability related to Service provision, to the extent that it cannot be excluded or limited by law.

4) The Operator is not responsible for blocking, seizure or securing of User funds by competent entities or judicial authorities under applicable legal provisions – including primarily under Anti-Money Laundering Regulations.

5) The Operator is not responsible for the source of funds used in Service provision by the User to the extent exceeding its obligations arising from applicable legal provisions, including particularly Anti-Money Laundering Regulations.

6) The Operator is responsible to Users for non-performance or improper performance of Services to the extent arising from the Terms and Conditions, unless non-performance or improper performance of Services is a consequence of circumstances for which it bears no responsibility under law.

7) The Operator is not responsible for consequences of non-performance or improper performance of obligations undertaken toward the User by other Users.

1) Changes to the Terms and Conditions may be introduced at any time in connection with changes in applicable legal provisions or scope and/or functionality of provided Services. Information about changes is communicated to Users in advance through the website, at least fourteen (14) calendar days before they take effect.

2) In exceptional situations, changes may be introduced without prior notice when this results from authority orders or inability to provide advance notice. In such case, notification occurs immediately after introducing changes.

3) All changes take effect fourteen (14) calendar days from information delivery, unless specified otherwise or changes require immediate application. Lack of objection to changes and continued use of Services is treated as their acceptance.

The User can contact the Operator through:

a) email at: [email protected]

b) mail (by post) at: Virtuconnect sp. z o.o, ul. Świeradowska 47, 02-662 Warsaw, Poland, unless specified otherwise in individual provisions of the Terms and Conditions.

Provision of Services by the Operator is paid. Detailed principles of fee collection and their amounts are contained on the Operator's website.

1) Complaints regarding provision of Services within the Service can be submitted using electronic communication means by sending a complaint to contact details in accordance with §16.

2) The complaint should contain at least:

a) data of the complainant, including email address, if different from the address indicated in the Service,

b) description of factual state and basis for submitting the complaint.

3) Complaints referred to in paragraph 1 above will be considered within 14 days from the date of receipt of the complaint by the Operator.

4) The User will be informed about the manner of complaint resolution by electronic letter sent to the User's email address.

5) Complaints regarding provision of other services provided within the Service, not described in the Terms and Conditions, will be considered according to principles presented in separate terms and conditions.

1) The Administrator of personal data provided by the User as part of registration in the Service and use of Services is the Administrator.

2) The Administrator collects and processes in accordance with applicable legal provisions and in accordance with the Privacy Policy available at: https://ramppray.net/privacy-policy, which the User can obtain and record using an IT system.

1) The provisions of these Terms and Conditions come into effect on 05.03.2025.

2) In case of change or invalidation of any of the Terms and Conditions provisions by decision of competent authority or court, its remaining provisions remain in force and bind the Operator and User.

3) In matters not regulated in the Terms and Conditions, provisions of the Act of April 23, 1964 - Civil Code and other applicable generally binding provisions apply.

4) The law applicable for resolving disputes related to the Terms and Conditions is the law of the Republic of Poland.

5) These disputes will be resolved by the competent local common court.

6) In case of Users who are not consumers within the meaning of Article 221 of the Act of April 23, 1964 - Civil Code, the court competent for the Operator's seat has jurisdiction.