Terms of service

• General Requirements. The Services are intended solely for users who are 18 years of age or older and who satisfy the criteria described in these Terms. By using our Services, you represent and warrant that: (a) You are of legal age to form a binding contract; (b) You have not been previously suspended or removed from using the Services; and (c) You have full power and authority to agree to these Terms.
• Restricted Locations. You may not use the Services if you are located in, or a citizen or resident of, any jurisdiction where your use of the Services would be illegal or otherwise violate any applicable law. Instacoin may restrict access to the Services in certain locations at its sole discretion.

• Instacoin is committed to complying with all applicable laws, including but not limited to the Bank Secrecy Act, the US Patriot Act, OFAC Requirements, and all regulations enforced by the Financial Crimes Enforcement Network (FinCEN). Instacoin has implemented a comprehensive Know Your Customer (KYC) and Anti-Money Laundering (AML) Program. Instacoin may collect certain user information based on location and transaction size, including but not limited to:
  • Full Name
  • Phone Number
  • Email Address
  • Date of Birth
  • Address
  • Government-issued ID
• Adherence to the Policy. Failure to provide the necessary KYC documentation may result in restrictions on the use of Services or account suspension.
• Travel Rule Compliance. Transactions over $3,000 may be subject to additional review under FinCEN’s Travel Rule regulations. Additional details may be requested for larger transactions, including proof of transaction purpose and counterparties involved.
• Enhanced Due Diligence. Instacoin reserves the right to perform additional due diligence on accounts with high transaction volumes or activity deemed unusual. If a user fails to provide the requested information, their account may be suspended.
• OFAC Compliance. Instacoin complies with the regulations set forth by the Office of Foreign Assets Control (OFAC) and prohibits transactions involving individuals, entities, or jurisdictions listed on the OFAC Specially Designated Nationals (SDN) List or subject to other trade embargoes and sanctions. Instacoin conducts screening of users and transactions to prevent dealings with sanctioned parties. If a transaction is flagged for potential OFAC violations, it may be delayed, restricted, or canceled, and Instacoin may be required to report such activities to the relevant authorities.

By using Instacoin’s Services, you agree NOT to:

• Engage in fraudulent, deceptive, or illegal transactions.
• Use the Services for money laundering, terrorist financing, or illicit activities.
• Attempt to interfere with or disrupt the Services, including through hacking or unauthorized access
• Misrepresent your identity or impersonate any individual or entity.

Failure to comply with these restrictions may result in account termination and legal action.

• Instacoin provides its Services on an “AS-IS” and “AS-AVAILABLE” basis. We make no warranties or guarantees regarding the availability, reliability, or security of our platform. a. To the maximum extent permitted by law, Instacoin is not liable for:
  • i. Any losses due to unauthorized access or fraudulent transactions.
  • ii. Delays in processing ACH payments due to banking restrictions.
  • iii. Disruptions caused by system maintenance or third-party service failures.
  • iv. Instacoin is not responsible for losses, chargebacks, errors, or fraud related to merchant activity. Your use of the Services is at your own risk, and you assume full responsibility for your transactions.

Instacoin reserves the right to:

• a. Modify or terminate any part of the Services at any time.
• b. Suspend or close user accounts that violate these Terms or applicable laws.
• c. Change the fee structure or transaction limits at its sole discretion.

For questions or concerns regarding these Terms or our Services, please contact us at: [email protected] (www.instacoin.co)

By using Instacoin’s Services, you acknowledge that you have read, understood, and agreed to these Terms.