Terms of Service

1. Acceptance of Terms

By accessing or using Easner's website, Easner Mobile (mobile application for Easner Personal Banking), Easner Business (web dashboard for Easner Business Banking), Easner for Partners (commercial partner program materials, sandbox or API credentials, branded deployments, or other program features made available under a commercial relationship with Easner), or related services (collectively, the "Services"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Services.

If you use the Services on behalf of a business, you represent that you have authority to bind that entity. "You" includes that entity and its authorized users.

Self-serve use of Easner Mobile and Easner Business is governed by these Terms. Easner for Partners engagements may also require a separate written commercial agreement (order form, MSA, or similar). If there is a conflict, the signed commercial agreement controls for that engagement; these Terms still apply where not superseded.

Your use of the Services is also subject to our Privacy Policy and KYC/KYB and AML Policy, each incorporated by reference.

2. Electronic Communications and E-Sign

You consent to receive account, transaction, security, and legal notices electronically – including by email, in-app messages, and SMS where we use text messaging for service communications.

You agree that electronic records, disclosures, and click-through or in-app acceptance satisfy applicable electronic signature and electronic contract requirements where permitted by law.

You are responsible for keeping your contact information current so we can reach you with required notices.

3. About Easner

Easner Group, Inc. is a Delaware C-corporation that builds financial technology for global money movement.

We offer:

• Easner Mobile (Easner Personal Banking) – consumer banking and payments through our mobile app
• Easner Business (Easner Business Banking) – business banking, payouts, and collections through our web dashboard
• Easner for Partners – commercial programs for qualified organizations, including the Agency Model (branded OTC, money transfer, and faith-based or nonprofit network products on Easner infrastructure) and the Developer Model (API, webhooks, and embedded integrations to Easner rails)

Easner for Partners is not self-serve account opening. Access is subject to commercial onboarding and approval.

Depending on your verification status, location, and product approval, the Services may include multi-currency accounts, inbound and outbound payments, currency conversion, stablecoin funding and settlement rails, invoicing and merchant collection tools, global and African banking where launched, and card products when available.

Important: Easner is a financial technology company, not a bank. Banking, payment, verification, and card services made available through the Services are provided by licensed financial partners in their respective jurisdictions. Easner does not offer FDIC or equivalent deposit insurance and does not itself hold customer deposits. Partner disclosures presented during onboarding identify the regulated provider for the relevant service.

4. The Services

Easner Mobile (Easner Personal Banking)

For individuals, the Services may include account registration, identity verification, sending and receiving money, currency accounts and conversion, virtual account and stablecoin receive options, recipients, EASETAG transfers, open banking and mobile money flows where enabled, transaction history, and security features such as multi-factor authentication and biometric unlock where supported. Intended for consumers 18 or older in supported jurisdictions.

Easner Business (Easner Business Banking)

For businesses, the Services may include organization onboarding, team access controls, payouts, multi-currency accounts, collections (invoicing, payment terminal, and QR Pay where enabled), customer directory, and reporting. The account owner is responsible for authorized users' actions.

Easner for Partners

Agency Model:

• Branded customer-facing experiences (portals, flows, or co-branded UI) operated by the partner entity
• Compliance, corridor, and operational support provided by Easner as described in the commercial agreement
• The partner remains responsible for its brand, end-user communications, and lawful use of the deployment

Developer Model:

• REST/API access, webhooks, and sandbox and production credentials after commercial onboarding
• The partner builds its own product UX; Easner provides rails, verification hooks, and compliance integration points
• The partner is responsible for securing API keys, lawful collection of end-user data, and passing required KYC/KYB where the partner onboards its own customers

End users of a partner's branded product or API integration may be subject to partner terms in addition to Easner and provider disclosures presented at transaction time. Regulated money movement still flows through licensed partners; Easner provides technology and program management.

Partner-provided financial services

Identity verification, virtual accounts, fiat pay-in and pay-out, sanctions screening, and related compliance processing are delivered by licensed partners. Easner provides the technology interface and program management.

When you use partner-provided services, you may need to accept separate partner terms and privacy notices in the onboarding flow. Those terms govern the regulated services the partner provides and are incorporated by reference to the extent they apply to your use through Easner. Our Privacy Policy identifies key financial and infrastructure partners (including Noah, Turnkey, LI.FI, and Yellowcard where applicable).

Digital asset and wallet services

Where enabled, wallet and stablecoin features may be supported through infrastructure partners on Easner Mobile and Easner Business. This can include stablecoin deposit addresses (for example USDC or EURC on supported networks), wallet-initiated sends through approved corridors, and balance visibility tied to partner-managed infrastructure. On Easner Business, stablecoin pay-in may also be available through invoicing, Terminal, and QR Pay where enabled.

Digital asset balances are not bank deposits and are not FDIC insured. Blockchain transactions may be public and irreversible. You are responsible for correct addresses, memos, and recipient details.

Cards

When cards are offered, they will be issued or facilitated by a licensed card program partner under a separate cardholder or program agreement, subject to partner underwriting and jurisdiction.

5. Eligibility

To use the Services you must:

• Be at least 18 years old
• Reside in or operate from a supported jurisdiction as described in our KYC/KYB and AML Policy
• Not be in a prohibited or controlled jurisdiction, comprehensively sanctioned territory, or any location where use is unlawful
• Provide accurate registration information and complete required KYC or KYB
• Keep your credentials and devices secure

We may refuse, suspend, or close accounts that do not meet eligibility or compliance standards. Sanctions screening applies to all users regardless of country. Currency, corridor, and feature availability depend on partners and your verification status.

6. Your Responsibilities

You agree to:

• Provide accurate, complete, and current information
• Use the Services lawfully and in line with AML, sanctions, and tax obligations
• Protect passwords, PINs, and authentication factors
• Notify us promptly of unauthorized access or suspected fraud
• Ensure payouts, invoices, and collections reflect legitimate activity

Business users must maintain accurate ownership and signatory information, control team access, and use collections features in compliance with applicable law.

Easner for Partners participants must:

• Maintain accurate program and entity information and authorized integrators
• Not misrepresent Easner as the bank or regulated provider
• For the Developer Model: protect credentials, respect rate limits, and comply with API use restrictions in the commercial agreement

We share information with partners and service providers only as needed to deliver the Services. We do not sell your personal information.

7. Fees and Exchange Rates

Fees, charges, and exchange rates may apply depending on product, corridor, currency pair, and partner costs. Applicable fees and rates are shown before you confirm a transaction unless otherwise required by law.

Rates may include a margin relative to reference or partner pricing. Third-party fees (bank charges, network fees, on-chain gas) may also apply.

We may change fees with notice as described in Section 16.

8. Payments, Settlement, and Reversals

Once you confirm a transaction, it may be final and irreversible after processing – especially on blockchain networks and certain partner settlement rails.

Refunds and reversals are provided only where required by law, partner rules, or Easner policy. They are not guaranteed.

Chargebacks and disputes initiated with your bank or payment provider regarding funded payments may result in account holds, debits, suspension, or closure.

Partner and network processing times shown in the Services are estimates, not guarantees.

9. Compliance, Limits, and Holds

Transaction limits, feature access, and corridor availability depend on verification level, destination, partner rules, and your risk profile. We and our partners may delay, hold, decline, or request additional information to meet KYC, KYB, AML, and sanctions obligations. See our KYC/KYB and AML Policy.

We or our partners may request source of funds, purpose of payment, or supporting documentation for high-value or higher-risk transactions before releasing funds.

10. Availability

Services vary by jurisdiction and depend on partner capabilities, maintenance, and network conditions. Processing times are estimates, not guarantees. Preview or beta features may change or be withdrawn.

11. Privacy

Our Privacy Policy describes how we collect, use, and protect personal information. By using the Services, you consent to those practices and to processing required by partners for compliance.

12. Prohibited Use

You may not use the Services to violate law, evade sanctions, launder money, finance terrorism, commit fraud, structure transactions to avoid monitoring, act as an unauthorized money transmitter, submit false information, abuse the platform, or engage in restricted merchant activity.

We may report suspicious activity as required by law and may not notify you when doing so.

13. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Easner is not a bank, exchange, or asset custodian. Regulated financial products are provided by licensed partners. Easner does not provide investment, tax, or legal advice. Information in the Services is general in nature only.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EASNER AND ITS AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, DATA, USE, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES.

EASNER'S TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF (A) FEES YOU PAID TO EASNER FOR THE RELEVANT SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT, OR (B) ONE HUNDRED U.S. DOLLARS (US $100), EXCEPT WHERE LIABILITY CANNOT BE LIMITED BY LAW.

REGULATED SERVICES ARE PERFORMED BY THIRD-PARTY PARTNERS. EASNER IS NOT LIABLE FOR PARTNERS' ACTS OR OMISSIONS EXCEPT AS REQUIRED BY LAW.

15. Termination

We may suspend or terminate access if you breach these Terms, pose a compliance or security risk, or if required by law or a partner. You may stop using the Services at any time. Surviving provisions include fees owed, dispute terms, and record retention obligations.

16. Changes

We may modify these Terms. Material changes will receive at least 30 days' notice before taking effect. Continued use after the effective date constitutes acceptance.

17. Governing Law and Disputes

Governing law: State of Delaware, USA, without regard to conflict-of-law rules, except where mandatory consumer protections in your country apply.

Informal resolution: Contact legal@easner.com and allow 60 days to resolve disputes in good faith before arbitration or court action.

Arbitration: Disputes not resolved informally shall be settled by binding arbitration administered by the AAA under Consumer Arbitration Rules (individual users of Easner Mobile / Easner Personal Banking) or Commercial Arbitration Rules (Easner Business / Easner Business Banking and commercial use). Seat: Wilmington, Delaware, or remote by agreement. The Federal Arbitration Act applies.

Class and jury waiver: Disputes proceed only on an individual basis to the extent permitted by law. You and Easner waive jury trial for covered disputes.

Opt-out: Within 30 days of first accepting these Terms, send written notice to legal@easner.com to opt out of arbitration.

Exceptions: Either party may use small claims court for qualifying claims or seek injunctive relief for unauthorized use or intellectual property abuse.

Partner disputes: Claims arising solely from a licensed partner's regulated services may be subject to that partner's dispute process. Disputes with Easner relating to Easner for Partners are handled under these Terms and any signed commercial agreement.

18. General Provisions

Entire agreement: These Terms, together with the incorporated Privacy Policy and KYC/KYB and AML Policy, constitute the entire agreement between you and Easner regarding the Services.

Severability: If any provision is held invalid or unenforceable, the remaining provisions remain in effect.

Assignment: You may not assign or transfer these Terms without our prior written consent. Easner may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets.

Force majeure: Easner is not liable for delays or failures caused by events beyond our reasonable control, including partner outages, banking hours, network or blockchain failures, acts of government, or regulatory action.

19. Contact